INDEX MARKET OUTLOOK Equity Debt EQUITY Large Cap Fund (Erstwhile known as Pure Equity Fund; renamed w.e.f February 29, 2016) Equity Opportunities Fund Ethical Fund Equity P/E Fund Mid Cap Growth Fund Dividend Yield Fund India Tax Savings Fund (Erstwhile known as Long Term Equity Fund; renamed w.e.f December 21, 2015) THEMATIC FUNDS Banking & Financial Services Fund Digital India Fund India Consumer Fund India Pharma & Healthcare Fund Resources & Energy Fund Infrastructure Fund 7 8 9 10 11 12 13 14 15 16 16 17 17 18 19 HYBRID Balanced Fund Savings Equity Fund 20 21 DEBT Dynamic Bond Fund Medium Term Fund (Erstwhile known as Income Plus Fund; renamed w.e.f March 17, 2017) Long Term Debt Fund (Erstwhile known as Income Fund; renamed w.e.f December 1, 2016) Short Term Bond Fund Corporate Bond Fund (Erstwhile known as Treasury Manager Fund; renamed w.e.f March 17, 2017) Ultra Short Term Fund (Erstwhile known as Floater Fund; renamed w.e.f March 17, 2017) 22 23 24 25 26 27 LIQUID Money Market Fund Liquid Fund 28 29 GILT Gilt Securities Fund Gilt Mid Term Fund 30 31 SOLUTIONS Retirement Savings Fund - Progressive Retirement Savings Fund - Moderate Retirement Savings Fund - Conservative Young Citizens Fund SCHEMES PERFORMANCE DIVIDEND / BONUS HISTORY HOW TO READ FACT SHEET 32 33 34 35 36-49 50-53 54 2
RISKOMETER Name of the Schemes Investment Objective Fixed Income for Short Term. Riskometer Liquid Fund Investment in Debt/Money Market instruments/government Securities. Money Market Fund Investment in Money Market instruments. Name of the Schemes Investment Objective Fixed Income for Short Term. Riskometer Ultra Short Term Fund (Erstwhile known as Floater Fund; renamed w.e.f March 17, 2017) Investment in Debt/Money Market instruments/government Securities. Short Term Bond Fund Investment Objective Fixed Income for Short Term. Investment in Debt/Money market instruments /Government Securities. 3
RISKOMETER Name of the Schemes Dynamic Bond Fund Investment Objective Fixed Income for Short Term. Investment Objective Short Term to Medium Capital Appreciation & Income. Investment in Debt/Money Market instruments/government securities. Riskometer Gilt Mid Term Fund Investment Objective Medium Term Capital Appreciation. Investment predominantly in Government Securities (upto 1s maturity). Gilt Securities Fund Investment Objective Long Term Capital Appreciation & Income. Investment predominantly in Government Securities. Long Term Debt Fund (Erstwhile known as Income Fund; renamed w.e.f December 1, 2016) Investment Objective Long Term Capital Appreciation & Income. Investment in Debt/Money Market instruments/government Securities. Medium Term Fund (Erstwhile known as Income Plus Fund; renamed w.e.f March 17, 2017) Investment Objective Long Term Capital Appreciation & Income. Investment in Debt/Money Market instruments/government Securities. Corporate Bond Fund (Erstwhile known as Treasury Manager Fund; renamed w.e.f March 17, 2017) Investment in Corporate Debt Securities. Name of the Schemes Fixed Maturity Plan - Series 44 - Scheme D Fixed Maturity Plan - Series 46 - Scheme D Fixed Maturity Plan - Series 46 - Scheme K Fixed Maturity Plan - Series 46 - Scheme M Fixed Maturity Plan - Series 46 - Scheme N Fixed Maturity Plan - Series 46 - Scheme Q Fixed Maturity Plan - Series 46 - Scheme R Fixed Maturity Plan - Series 46 - Scheme T Fixed Maturity Plan - Series 47 - Scheme C Fixed Maturity Plan - Series 47 - Scheme D Fixed Maturity Plan - Series 47 - Scheme E Fixed Maturity Plan - Series 47 - Scheme F - Plan A Fixed Maturity Plan - Series 47 - Scheme H Fixed Maturity Plan - Series 47 - Scheme J Investment Objective Generate Income and/or Capital Appreciation for a Fixed Term The investment objective of a scheme is to generate income and / or capital appreciation by investing in wide range of Fixed Income Instruments having maturity in line with the maturity of the scheme. The maturity of all investments shall be equal to or less than the maturity of the scheme. 4
RISKOMETER Name of the Schemes Balanced Fund Dividend Yield Fund Equity Opportunities Fund Equity P/E Fund Ethical Fund Mid Cap Growth Fund Large Cap Fund (Erstwhile known as Pure Equity Fund; renamed w.e.f February 29, 2016) Retirement Savings Fund - Moderate Plan Investment Objective Long Term Capital Appreciation Investment predominantly in equity & equity related instruments and some portion (between 25% to 35%) in fixed income instruments. Investment (minimum 70%) in equity & equity related instruments/stocks having dividend yield higher than dividend yield of stocks of BSE SENSEX. Investment in equity and equity related instruments of well researched value and growth oriented companies across all market capitalization. Investment (minimum 70%) in equity & equity related instruments of companies whose rolling P/E is lower than rolling P/E of BSE Sensex. Investment in equity and equity related instruments of Shariah Principles compliant companies and in other instruments allowed under Shariah principles. Investment predominantly in equity & equity related instruments of growth oriented mid cap companies. Investment predominantly in equity & equity securities related securities of large cap companies. A predominantly equity oriented savings scheme which provides tool for retirement planning to individual investors. Riskometer Savings Equity Fund Retirement Savings Fund - Progresive Plan India Tax Savings Fund (Erstwhile known as Long Term Equity Fund; renamed w.e.f December 21, 2015) Young Citizens Fund Retirement Savings Fund - Conservative Plan Predominantly investing in equity and equity related instruments, equity arbitrage opportunities and debt and money market instruments. A predominantly equity oriented savings scheme which provides tool for retirement planning to individual investors. An equity linked savings scheme (ELSS) Investing predominantly in Equity & Equity related instruments. Investment Objective Long Term Capital Appreciation & Current Income. Investment in equity & equity related instruments and in fixed income instruments. Investment Objective Long Term Capital Appreciation & Current Income. A predominantly debt oriented savings scheme which provides tool for retirement planning to individual investors. Name of the Schemes Dual Advantage Fund - Scheme C Investment objective Capital appreciation and current income by investing predominantly in fixed income instruments and some portions in equity/equity related instruments Generate income and / or capital appreciation by investing predominantly in portfolio of fixed income instruments having maturity on or before the date of the maturity of the scheme. The scheme will invest small portion (upto 30%) of the scheme assets in equity/equity related instrument including derivative instruments. Dual Advantage Fund - Series 2 - Scheme A Dual Advantage Fund - Series 2 - Scheme B Dual Advantage Fund - Series 2 - Scheme C Dual Advantage Fund - Series 3 - Scheme A Generate income and / or capital appreciation by investing predominantly in portfolio of fixed income instruments having maturity on or before the date of the maturity of the scheme. The scheme will invest small portion of the scheme assets in equity/equity related instrument including derivative instruments. 5
RISKOMETER Name of the Schemes Investment Objective Long Term Capital Appreciation. Riskometer Banking & Financial Services Fund India Consumer Fund Digital India Fund India Pharma & Healthcare Fund Resources & Energy Fund Infrastructure Fund Primarily focuses on investment in at least 80% of its net assets in equity/equity related instruments of the companies in the Banking and Financial Services sector in India. Primarily focuses on investment in at least 80% of its net assets in equity/equity related instruments of the companies in the Consumption Oriented sectors in India. Primarily focuses on investment in at least 80% of its net assets in equity/equity related instruments of the companies in the Information Technology sector in India. Primarily focuses on investment in at least 80% of its net assets in equity/equity related instruments of the companies in the Pharma & Healthcare sectors in India. Primarily focuses on investment in at least 80% of its net assets in equity/equity related instruments of the companies in the Resources & Energy sectors in India. Investment Predominantly in equity / equity related instruments of the companies in the Infrastructure sector in India. Name of the Schemes Infrastructure Tax Saving Fund Investment objective Long term capital appreciation by investing in equity/equity related instruments of companies in the infrastructure sector in India Generate medium to long term capital gain by investing predominantly in equity / equity related instruments of the companies in infrastructure and infrastructure related sectors along with the income tax benefit to its unitholders. *Investors should consult their financial advisors if in doubt about whether the product is suitable for them. 6
MARKET OUTLOOK Equity market The Indian equity markets ended lower in the month of June 2017, as both Sensex and Nifty were down by -0.7% and -1% respectively. The broader market outperformed the Sensex, as reflected by the performance of the BSE Midcap and BSE 200 index at +0.1% and -0.4% respectively. In terms of sectors; Consumer Durable, FMCG, Healthcare and Real Estate were the major outperformers whilst Auto, Capital Goods, IT and Oil & Gas were the major underperformers. FII flows continued to be positive in June, with net inflows to the tune of ~USD 560mn. Consequently, FIIs net inflows in CYTD amounts to ~USD 8.11 bn. Net equity investments in June 2017 by domestic MFs in the market were ~USD1.4bn. Index Name Nifty 50 Index S&P BSE Sensex S&P BSE MID CAP S&P BSE SMALL CAP S&P BSE 200 S&P BSE AUTO S&P BSE Bankex S&P BSE Consumer Durable S&P BSE Capital Good S&P BSE FMCG S&P BSE Health Care S&P BSE IT S&P BSE METAL S&P BSE Oil & Gas S&P BSE Power Index S&P BSE Realty As on Return in % 30-Jun-17 31-May-17 30-Jun-16 1 Month 9521 30922 14644 15411 4149 23408 26278 16013 17076 10428 14191 9833 11374 13203 2226 2043 9621 31146 14625 15080 4166 24162 26547 15400 17596 10106 13564 10230 11248 14247 2221 1931 8288 27000 11717 11801 3514 19745 20531 11973 14875 8453 15493 11200 8520 9721 1996 1533-1.0-0.7 0.1 2.2-0.4-3.1-1.0 4.0-3.0 3.2 4.6-3.9 1.1-7.3 0.2 5.8 14.9 14.5 25.0 30.6 18.1 18.6 28.0 33.7 14.8 23.4-8.4-12.2 33.5 35.8 11.5 33.3 Growth GDP growth for the fourth quarter of FY 2016-17 softened to 6.1% y-o-y reflecting the impact of demonetization. Nominal GDP growth for the quarter was 12.5% y-o-y. Index of Industrial Production (IIP) decelerated to 3.1% y-o-y in April 2017 as compared to 3.8% y-o-y in March. Capital goods and consumer durables contracted in April at -1.3% and -6% y-o-y respectively. Infrastructure & construction grew at 5.8% y-o-y in April 2017 as against 0.9% y-o-y in March. Overall manufacturing sector grew 2.6% y-o-y in April as compared to 2.4% in March 2017. Inflation Consumer Price Inflation (CPI) index fell to 2.2% y-o-y in May 2017 as compared to 3.0% y-o-y in April 2017 led by decline in food and fuel inflation. Deflation in food prices (-0.2% y-o-y) was seen for the first time since 2000. Fuel inflation decelerated to 5.5% y-o-y in May 2017 as against 6.1% in April 2017 and core CPI inflation (CPI excluding food and fuel) was 4.3% y-o-y in May 2017 as against 4.1% in April 2017. The Office of Economic Advisor, Ministry of Commerce and Industry released the new Wholesale Price Inflation (WPI) index series with base year revised to FY2011-12 from the existing FY2004-05. WPI Inflation decelerated to 2.2% y-o-y in May from 3.9% in April as per new series data. Food inflation fell to 0.1% y-o-y in May 2017 from 2.9% in April. Core WPI inflation (non-food) came in at 2.1% y-o-y in May as compared to 2.0% in April 2017. Monsoon & Crop Sowing As per Indian Meteorological department, cumulative rainfall was 6% above normal till 4th July 2017. Though some eastern regions have seen deficient rainfall, while all other regions have seen normal to excess rainfall. The sowing is up ~19% y-o-y with overall sowing as on 30th June 2017 reaching 21.0% of total Kharif sowing area. Goods and Services Tax (GST) The Government of India formally launched GST on July 1, 2017, one of the largest indirect tax reforms. GST aims to simplify the taxation regime by subsuming most indirect taxes. The uniformity in provisions and rates should aid ease of doing business in India. GST is expected to be neutral on inflation, with the lower final tax rates on several goods being offset by some higher tax rates on services and some goods. GST also aims to improve tax compliance leading to organized sector gaining market share from unorganized sector. Other macro developments The Cabinet approved central government employees allowances as recommended by the 7th Pay Commission. This would entail an increase of 307bn per annum in the central government expenditure. The fiscal impact for FY2018 will likely be around 0.2-0.3% of GDP. India s trade deficit widened to US$13.8bn in May 2017 from US$13.2bn in April 2017. Export growth moderated to 8% y-o-y while Gold imports remained high. Non-oil and non-gold imports posted 19.8% y-o-y growth. Foreign currency reserves stood at ~USD383bn as on June 23, 2017 as compared to ~USD379bn as on May 19, 2017. Market Outlook Equity markets consolidated in the month of June driven by near term growth uncertainty in the wake of GST transition challenges and announcement of farm loan waivers by certain states. GST has been implemented from July 1st 2017. Though, there are near term concerns on transitioning issues on supply & distribution chains of companies; from a medium term perspective, this reform holds out the promise of reduced transaction costs, better capital productivity and improved tax compliance all of which augur well for the economy and its sustained growth. The focus on resolution of stressed assets in the banking system continues with the RBI announcing a list of 12 large bad loans for insolvency proceedings. Recent announcements by various state governments on farm loan waivers have raised some concerns on state s fiscal deficit challenges and their ability to make investments. However, in most of the cases these waivers are directed at most affected segments of farmers only. Market valuations continue to sustain above their long-term averages. We believe, visibility of reforms like GST, expectations on earnings recovery, benign inflation expectations and continued strong flows from domestic investors, may result in markets continuing to remain above their long-term averages. Although, in the near term, reversal of FII flows due to global events would continue to remain a risk to watch out for. However, it is important to note that India is much better placed in such an event given its healthy macro-economic parameters. In terms of our portfolio positioning, we continue to remain overweight on direct and indirect beneficiaries of government push on sectors like roads, railways, defence and housing. We continue to remain overweight on private sector banks on account of their ability to gain market share and maintain relatively higher growth rates. Strong macro position, reforms and long-term structural drivers like demographic advantage, low household debt, limited penetration across different consumer categories, increased potential for financial savings and urbanization makes India a compelling equity story from medium to long term perspective. We believe investors would be well advised to invest with medium to long term perspective and systematically increase exposure to Indian equity markets. Disclaimer The views expressed are in no way trying to predict the markets or to time them. The views expressed are for information purpose only and do not construe to be any investment, legal or taxation advice. Please consult your Financial/Investment Adviser before investing. The views expressed may not reflect in the scheme portfolios of Mutual Fund. This note has been prepared using information believed to be accurate at the time of its use. 7
MARKET OUTLOOK Debt market 30-Jun-17 31-May-17 Change (bps) 10 Year Benchmark Yield (s.a) 10 Year AAA (PSU) (ann) AAA (PSU) (ann) 3 Month T Bill 3 Month CD 12 Month CD 10 Year AAA Spread AAA Spread 6.51% 7.43% 7.32% 6.29% 6.33% 6.63% 0.81% 0.70% 6.66% 7.65% 7.44% 6.28% 6.35% 6.73% 0.88% 0.67% -15-22 -12 1-2 -10-7 3 Sovereign bond market remained volatile throughout the month after witnessing a massive rally on the back of increasing expectation of rate cut after 2nd Bi-monthly monetary policy. Globally, bond yields remained volatile with US 10-year trading in the range of 2.13-2.30 and closing the period at 2.30. For the period under review, the 10-year benchmark yield softened by 15 bps to close at 6.51%. The corporate bonds also followed G-Sec, with 10-year AAA yields down by 22 bps, while the 5-year AAA bond yields were down by 12 bps. Money market instruments at the shorter end of the curve saw 3-month treasury bill harden by 1 bps, 3-month CD yield softened by 2 bps and CD yield eased by 10 bps. RBI in its Second Bi-monthly monetary policy kept key policy rates unchanged. In an unexpected move, RBI decided to reduce the SLR from 20.5 per cent of NDTL to 20.0 per cent of NDTL. RBI has recognized modest pace of growth in global economy, improvement in international financial markets, lower estimate of GVA domestically, and improving economic indicators domestically. On inflation front, RBI has recognized sharp broad-based fall in CPI because lower vegetable, cereal, pulses and fuel prices. RBI has also acknowledged a fall in household inflation expectations. On the liquidity side, RBI has noted the fall in currency in circulation and over-night call rates remaining closer to operating target. RBI has indicated a broader accommodative policy move if inflation trajectory continues to remain benign and below their earlier projections. On the macroeconomic data released during the period, May CPI fell sharply to 2.2% from 3% in April as food prices slipped into deflation for the first time since 2001, due to improved supply (pulses, vegetables) and lower global prices (edible oils). Food prices fell by 1.0% YoY in May from 0.6% in April with vegetables and pulses remaining in deflation at -13.4% and -19.5%, respectively. Core CPI inflation eased to 4.2% YoY in May from 4.4% in April. WPI inflation moderated sharply to 2.2% YoY in May from 3.9% in April, significantly below market expectations. Food, crude petroleum and fuel inflation fell sharply, while manufactured WPI inflation (ex-food) picked up. Food price inflation (primary + manufactured) moderated to 0.1% YoY in May from 2.9% in April, with primary food prices slipping into deflation for the first time in 21 months. The moderation was quite broad-based, with prices of cereals, pulses, fruits & vegetables and eggs, meat & fish falling sequentially. IIP (Index of Industrial Production) moderated to 3.1% YoY in April from an upward revision of 3.8% in March. Consumer non-durables and infrastructure output growth saw a decent uptick, while overall industrial cycle appears to have troughed. FII flows continue to remain strong with 25,685 crores invested in government securities and corporate bonds. However global markets have turned negative after ECB president Draghi statement on central banks reducing the risk premia of deflationary trade as the euro zone in the reflationary trade led to spike in bond yields even though the ECB President maintained accommodative monetary policy stance will continue. The 10 year German bonds yields moved by 15 basis points and the US ten year yields moved to 2.30 % levels from 2.15 %. RBI has announced an OMO of Rs 10,000 crores to drain out liquidity from the banking system. The total liquidity has increased from 2.8 Trillion to 3.6 Trillion Rupees due to government spending and RBI intervention in the forex markets. There is also a redemption of Rs 55,000 crores on July 10. The supply of state government papers for the quarter July to September is Rs 98,000 crores to Rs 1,04,500 crores as per the Indicative borrowing calendar announced by RBI. The CPI inflation is expected to print in the range of 1.5 to 1.8 % for the month of June due to high base effect, destocking by industry due to implementation of GST and food prices continuing to remain stable. We believe RBI might move towards accommodation and lowering of policy rates provided incoming data trend continues and doesn't abruptly spikes on the other side. We believe there is space for 25bps rate cut in near future and further scope of rate cuts to remain data dependent. We expect 10-year G-sec yield to trade range-bound in near term, within a band of 6.45%-6.65%. We expect liquidity to remain comfortable and in surplus mode for a few months going ahead which will limit upside in short-term rates. Disclaimer The views expressed are in no way trying to predict the markets or to time them. The views expressed are for information purpose only and do not construe to be any investment, legal or taxation advice. Please consult your Financial/Investment Adviser before investing. The views expressed may not reflect in the scheme portfolios of Mutual Fund. This note has been prepared using information believed to be accurate at the time of its use. 8
Large Cap Fund (Erstwhile known as Pure Equity Fund; renamed w.e.f February 29, 2016) (An Open-Ended Equity Scheme) Primarily invests in equity and equity related instruments of large market cap companies. To provide income distribution and / or medium to long term capital gains while at all times emphasising the importance of capital appreciation. May 7, 1998 FUND MAGER Gopal Agrawal (Managing Since 27-Jun-17 and overall experience of 2s) S&P BSE Sensex V - Growth - Dividend Reg - Growth Reg - Dividend 784.63 ( in Cr.) 790.84 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 48.91% 48.91% 1.01 2.56 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. Sharpe Ratio 12.73 0.12 0.92 0.88 0.46 0.32 MINIMUM INVESTMENT / MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. 12.94 0.03 0.11 Entry Load Not Applicable Exit Load 1% if redeemed on or before expiry of 365 days from the date of allotment. 203.0459 49.8622 192.4464 45.7077 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 Top 10 Holdings Equity Issuer Name HDFC Bank Ltd. ICICI Bank Ltd. ITC Ltd. Reliance Industries Ltd. Maruti Suzuki India Ltd. HCL Technologies Ltd. State Bank Of India Power Grid Corporation Of India Ltd. Infosys Ltd. Motors Ltd. Total No. of Shares Lakhs 77168.32 % of Assets 98.35 Industry Allocation No. of Shares 92000 Lakhs 1227.23 % of Assets 1.56 Equity & Equity Related Total Siemens Ltd. Auto Media & Entertainment Maruti Suzuki India Ltd. Motors Ltd. Auto Ancillaries 43000 445000 3103.70 1924.63 3.96 2.45 D.B.Corp Ltd. Zee Entertainment Enterprises Ltd. Industrial Products 365000 244000 1387.91 1199.63 1.77 1.53 Motherson Sumi Systems Ltd. Bosch Ltd. Banks 250000 3500 1149.75 815.56 1.47 1.04 Cummins India Ltd. Oil Oil & Natural Gas Co. 192131 550000 1754.35 865.15 2.24 1.10 HDFC Bank Ltd. ICICI Bank Ltd. State Bank Of India Kotak Mahindra Bank Ltd. Yes Bank Ltd. Indusind Bank Ltd. Cement 471000 1619750 1025000 200000 94128 80000 7782.10 4698.89 2804.40 1910.90 1376.01 1183.96 9.92 5.99 3.57 2.44 1.75 1.51 Petroleum Products Reliance Industries Ltd. Pharmaceuticals Sun Pharmaceutical Industries Ltd. Power Power Grid Corporation Of India Ltd. Retailing 228500 150000 1305000 3153.87 831.75 2747.68 4.02 1.06 3.50 Ultratech Cement Ltd. Grasim Industries Ltd. Construction Project 50000 100000 1981.63 1240.65 2.53 1.58 Future Retail Ltd. Software HCL Technologies Ltd. 500000 346350 1845.25 2946.05 2.35 3.75 Larsen & Toubro Ltd. Consumer Non Durables 109567 1849.27 2.36 Infosys Ltd. Elxsi Ltd. 291000 107000 2722.74 1696.00 3.47 2.16 ITC Ltd. Eveready Industries India Ltd. Hindustan Unilever Ltd. Finance 1422500 425000 120000 4606.77 1449.68 1297.92 5.87 1.85 1.65 Textile Products Raymond Ltd. Transportation Container Corporation Of India Ltd. 205000 120000 1482.66 1374.84 1.89 1.75 Housing Development Finance Ltd. 71000 1147.61 1.46 Interglobe Aviation Ltd. 70000 815.47 1.04 Bajaj Finance Ltd. 80000 1099.36 1.40 Gas Other Equities^ 4501.45 5.74 Gail ( India ) Ltd. Repo 1144.06 1.46 332666 1200.92 1.53 Healthcare Services 78312.38 99.81 Max India Ltd. Cash / Net Current Asset 150.88 0.19 1020000 1572.33 2.00 Industrial Capital Goods 78463.26 100.00 Bharat Electronics Ltd. 1500000 2420.25 3.08 ^ Exposure less than 1% has been clubbed under Other Equities SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () 840,000 1,200,000 2,290,000 Total Value as on Jun 30, 2017 () 130,202 422,789 847,273 1,329,429 2,313,445 19,449,928 Returns 16.25% 10.74% 13.79% 12.90% 12.61% 19.41% Total Value of B S&P BSE Sensex 130,879 408,391 784,760 1,197,835 1,975,331 9,330,058 B S&P BSE Sensex 17.36% 8.38% 10.69% 9.98% 9.63% 13.14% (Inception date 07-May-1998) (First Installment date 01-Jun-1998) Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark Source MFI Explorer % to V 9.92 5.99 5.87 4.02 3.96 3.75 3.57 3.50 3.47 3.30 47.35 Banks Software Consumer Non Durables Auto Industrial Capital Goods Cement Petroleum Products Power Media & Entertainment Finance Healthcare Services Transportation Auto Ancillaries Construction Project Retailing Industrial Products Textile Products Pharmaceuticals Gas Oil Non - Ferrous Metals 10.04% 9.94% 8.15% 4.65% 4.11% 4.02% 3.50% 3.41% 2.86% 2.86% 2.79% 2.50% 2.36% 2.35% 2.24% 1.89% 1.64% 1.53% 1.10% 0.71% 25.69% 0.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 85.65% 14.35% 0.00% Market Capitalisation includes only domestic listed Equity exposure in BSE. Large Cap Companies are top 125 stocks by market capitalisation on S&P BSE 500 Index and Mid Cap stocks are those between 126 to 499 stocks by market capitalisation and 500 & above being classified as Small cap. For calculation purpose, the previous month market capitalisation data have been used. All the figures has been rebased to 100 (Based on internal calculation). V Movement 140 130 120 110 100 Large Cap Fund - Reg - Growth S&P BSE Sensex 90 Jun-14 Jun-15 Jun-16 Jun-17 9
Equity Opportunities Fund (An Open-Ended Equity Scheme) February 25,1993 Sharpe Ratio Primarily focuses on investing in equity and equity related instruments of well researched value and growth oriented companies across all market capitalization. To provide income distribution and / or medium to long term capital gains while at all times emphasizing the importance of capital appreciation. FUND MAGER Rupesh Patel (Managing Since 7-Jun-13 and overall experience of 17 years) S&P BSE 200 V - Growth - Dividend Reg - Growth Reg - Dividend 1253.95 ( in Cr.) 1260.66 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 14.38 0.17 1.03 0.89 0.68 0.35 MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load 190.0480 40.5618 180.8708 32.5516 63.90% 63.90% 13.13 0.09 0.34 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 1.01 2.41 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. 1% if redeemed on or before expiry of 365 days from the date of allotment. Equity & Equity Related Total Auto Maruti Suzuki India Ltd. Motors Ltd. Bajaj Auto Ltd. TVS Motor Company Ltd. Auto Ancillaries Amara Raja Batteries Ltd. Banks HDFC Bank Ltd. Yes Bank Ltd. ICICI Bank Ltd. Kotak Mahindra Bank Ltd. State Bank Of India Cement Ultratech Cement Ltd. The Ramco Cements Ltd. Dalmia Bharat Ltd. Shree Cement Ltd. Construction KNR Constructions Ltd. Brigade Enterprises Ltd. Construction Project Larsen & Toubro Ltd. NCC Ltd. Sadbhav Engineering Ltd. Engineers India Ltd. Consumer Non Durables ITC Ltd. Ferrous Metals Steel Ltd. Gas Gujarat State Petronet Ltd. No. of Shares 61250 955000 127000 500000 178200 516335 382000 1900000 366968 595650 90475 493100 133000 14900 1320000 527473 174555 3050000 822865 1200000 2268000 500000 1543000 SIP - If you had invested INR 10000 every month Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B S&P BSE 200 B S&P BSE 200 Total Value of AB S&P BSE Sensex AB S&P BSE Sensex (Inception date 25-Feb-1993) (First Installment date 01-Mar-1993) Lakhs 122686.65 4420.96 4130.38 3543.94 2747.25 1493.41 8531.15 5584.27 5511.90 3506.20 1629.70 3585.75 3416.44 3280.64 2524.66 2743.62 1367.47 2946.14 2668.75 2557.05 1842.60 7344.92 2721.75 2724.94 % of Assets 97.84 3.53 3.29 2.83 2.19 1.19 6.80 4.45 4.40 2.80 1.30 2.86 2.72 2.62 2.01 2.19 1.09 2.35 2.13 2.04 1.47 5.86 2.17 2.17 No. of Shares Other Equities^ Repo Net Current Liabilities ^ Exposure less than 1% has been clubbed under Other Equities Lakhs 8464.48 2728.62 125415.27-19.98 125395.29 Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer Top 10 Holdings Equity Issuer Name HDFC Bank Ltd. ITC Ltd. Yes Bank Ltd. ICICI Bank Ltd. Maruti Suzuki India Ltd. Motors Ltd. Ultratech Cement Ltd. Bajaj Auto Ltd. Kotak Mahindra Bank The Ramco Cements Ltd. Total % of Assets 6.75 2.18 100.02-0.02 100.00 7 Year 10 Year 840,000 1,200,000 2,920,000 130,421 434,360 920,651 1,476,250 2,533,686 34,202,120 16.61% 12.60% 17.17% 15.83% 14.31% 17.66% 131,643 426,624 844,202 1,291,631 2,146,516 17,622,317 18.61% 11.36% 13.64% 12.09% 11.20% 13.20% 130,879 408,391 784,760 1,197,835 1,975,331 14,459,350 17.36% 8.38% 10.69% 9.98% 9.63% 11.85% % to V 6.80 5.86 4.45 4.40 3.53 3.29 2.86 2.83 2.80 2.72 39.54 Industrial Capital Goods Bharat Electronics Ltd. Finance ICICI Prudential Life Insurance Company Ltd. Muthoot Finance Ltd. Indiabulls Housing Finance Ltd. Housing Development Finance Ltd. Equitas Holdings Ltd. Oil Oil & Natural Gas Co. Petroleum Products Indian Oil Corporation Ltd. Pharmaceuticals Sun Pharmaceutical Industries Ltd. Dishman Carbogen Amcis Ltd. Strides Shasun Ltd. Power Power Grid Corporation Of India Ltd. Retailing Future Retail Ltd. Software HCL Technologies Ltd. Infosys Ltd. Transportation Cox & Kings Ltd. Interglobe Aviation Ltd. Industry Allocation Banks Auto Cement Construction Project Finance Consumer Non Durables Pharmaceuticals Transportation Construction Software Power Ferrous Metals Gas Industrial Capital Goods Oil Retailing Auto Ancillaries Petroleum Products Media & Entertainment Industrial Products 1400000 600000 600000 170000 110000 900000 1050000 350000 336000 462662 133258 1600000 410000 270767 156300 1126800 110000 11.84% 10.21% 8.95% 8.78% 5.86% 4.20% 3.51% 3.28% 3.00% 2.69% 2.17% 2.17% 1.80% 1.32% 1.21% 1.19% 1.07% 0.73% 0.68% 2258.90 2826.60 2727.90 1829.46 1777.99 1348.20 1651.65 1347.15 1863.12 1392.84 1330.51 3368.80 1513.11 2303.14 1462.42 3115.04 1281.45 23.18% 0.00% 5.00% 10.00% 15.00% 20.00% 25.00% 1.80 2.25 2.18 1.46 1.42 1.08 1.32 1.07 1.49 1.11 1.06 2.69 1.21 1.84 1.17 2.48 1.02 Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 72.37% 22.13% 5.51% Market Capitalisation includes only domestic listed Equity exposure in BSE. Large Cap Companies are top 125 stocks by market capitalisation on S&P BSE 500 Index and Mid Cap stocks are those between 126 to 499 stocks by market capitalisation and 500 & above being classified as Small cap. For calculation purpose, the previous month market capitalisation data have been used. All the figures has been rebased to 100 (Based on internal calculation). V Movement 160 146 132 118 104 90 Equity Opportunities Fund - Reg - Growth S&P BSE 200 Jun-14 Jun-15 Jun-16 Jun-17 10
Ethical Fund (An Open-Ended Equity Scheme) Sharpe Ratio An equity scheme which invests primarily in equities of Shariah compliant companies and other instrument if allowed under Shariah principles. To provide medium to long- term capital gains by investing in Shariah compliant equity and equity related instruments of well-researched value and growth - oriented companies. May 24,1996 FUND MAGER Pradeep Gokhale (Managing Since 2-Jan-12 and overall experience of 26 years) Nifty 500 Shariah V - Growth - Dividend Reg - Growth Reg - Dividend 451.71 ( in Cr.) 460.44 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 11.96 0.11 0.90 0.82 0.44-0.14 MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. 145.5630 87.5171 140.2765 67.8239 58.57% 58.57% 1.64 2.63 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. 12.00 0.17 0.59 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 Equity & Equity Related Total Auto Maruti Suzuki India Ltd. Bajaj Auto Ltd. Eicher Motors Ltd. Hero Motocorp Ltd. Auto Ancillaries Bosch Ltd. WABCO India Ltd. Amara Raja Batteries Ltd. Cement Shree Cement Ltd. Ultratech Cement Ltd. Ambuja Cements Ltd. Construction Project Voltas Ltd. Consumer Durables Titan Company Ltd. Bata India Ltd. Consumer Non Durables Hindustan Unilever Ltd. Britannia Industries Ltd. Dabur India Ltd. Colgate-Palmolive India Ltd. Fertilisers Coromandel International Ltd. Gas Gail ( India ) Ltd. Healthcare Services Apollo Hospitals Enterprise Ltd. Industrial Products Cummins India Ltd. Timken India Ltd. No. of Shares 47500 55000 2900 20300 5200 20200 79849 8000 29700 375000 150000 105000 87000 242000 45000 240000 49100 139875 180000 38000 132186 122000 Lakhs 43277.31 3428.50 1534.78 783.40 750.43 1211.69 1115.47 669.17 1355.52 1177.09 921.94 686.78 549.78 466.58 2617.47 1662.59 701.16 545.80 584.82 649.80 484.84 1206.99 813.80 % of Assets 95.81 7.59 3.40 1.73 1.66 2.68 2.47 1.48 3.00 2.61 2.04 1.52 1.22 1.03 5.79 3.68 1.55 1.21 1.29 1.44 1.07 2.67 1.80 Finolex Cables Ltd. Fag Bearings Ltd. AIA Engineering Ltd. Mahindra CIE Automotive Ltd. Greaves Cotton Ltd. Industrial Capital Goods Siemens Ltd. Thermax Ltd. ABB India Ltd. GE Power India Ltd. Pesticides Rallis India Ltd. UPL Ltd. Petroleum Products Reliance Industries Ltd. Castrol India Ltd. Pharmaceuticals Aurobindo Pharma Ltd. Sun Pharmaceutical Industries Ltd. Cipla Ltd. Natco Pharma Ltd. IPCA Laboratories Ltd. Retailing Future Retail Ltd. Transportation Gujarat Pipavav Port Ltd. Other Equities^ Cash / Net Current Asset No. of Shares 161271 16000 43000 198000 280000 78000 76196 35000 79300 412000 55000 240000 150000 180000 160300 130000 50000 93750 200000 459000 Lakhs 739.10 714.14 599.66 482.72 454.30 1040.48 715.75 507.89 491.10 998.48 462.22 3312.60 605.85 1230.21 888.86 720.66 504.53 460.50 738.10 686.21 3005.55 43277.31 1893.78 45171.09 % of Assets 1.64 1.58 1.33 1.07 1.01 2.30 1.58 1.12 1.09 2.21 1.02 7.33 1.34 2.72 1.97 1.60 1.12 1.02 1.63 1.52 6.65 95.81 4.19 100.00 SIP - If you had invested INR 10000 every month ^ Exposure less than 1% has been clubbed under Other Equities 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B Nifty 500 Shariah B Nifty 500 Shariah Total Value of AB Nifty 50 AB Nifty 50 126,155 9.72% 132,679 20.31% 130,496 16.73% 399,802 6.94% 438,632 13.28% 412,975 9.14% 842,629 13.57% 897,074 16.11% 798,527 11.39% 840,000 1,366,071 13.66% 1,399,599 14.34% 1,221,348 10.52% 1,200,000 2,465,418 13.80% 2,326,784 12.71% 2,020,098 10.06% 2,500,000 24,241,000 18.66% 5,797,190 7.43% 11,244,250 12.75% (Inception date 24-May-1996) (First Installment date 01-Sep-1996) Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load 1% of the applicable V, if redeemed on or before 365 days from the date of allotment. (w.e.f. 6th April, 2015) Top 10 Holdings Equity Issuer Name Maruti Suzuki India Ltd. Reliance Industries Ltd. Hindustan Unilever Ltd. Britannia Industries Ltd. Bajaj Auto Ltd. Shree Cement Ltd. Aurobindo Pharma Ltd. Bosch Ltd. Cummins India Ltd. Ultratech Cement Ltd. Total % to V 7.59 7.33 5.79 3.68 3.40 3.00 2.72 2.68 2.67 2.61 41.47 Industry Allocation Auto Consumer Non Durables Industrial Products Petroleum Products Pharmaceuticals Cement Auto Ancillaries Industrial Capital Goods Pesticides Consumer Durables Gas Retailing Transportation Construction Project Software Fertilisers Healthcare Services 14.38% 13.04% 12.08% 9.61% 8.42% 8.28% 6.63% 6.10% 3.23% 3.13% 2.39% 1.63% 1.52% 1.52% 1.46% 1.29% 1.07% 0.00% 5.00% 10.00% 15.00% 20.00% Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 67.21% 31.88% 0.91% Market Capitalisation includes only domestic listed Equity exposure in BSE. Large Cap Companies are top 125 stocks by market capitalisation on S&P BSE 500 Index and Mid Cap stocks are those between 126 to 499 stocks by market capitalisation and 500 & above being classified as Small cap. For calculation purpose, the previous month market capitalisation data have been used. All the figures has been rebased to 100 (Based on internal calculation). V Movement 150 Ethical Fund - Reg - Growth Nifty 500 Shariah 138 126 114 102 90 Jun-14 Jun-15 Jun-16 Jun-17 11
Equity P/E Fund (An Open-Ended Equity Scheme) Primarily invests at least 70% of the net assets in equity shares whose rolling P/E ratio on past four quarter earnings for individual companies is less than rolling P/E of the S&P BSE SENSEX stocks. To provide reasonable and regular income and/ or possible capital appreciation to its Unitholder. June 29, 2004 FUND MAGER Sonam Udasi (Managing Since 1-Apr-16 and overall experience of 20 years) S&P BSE Sensex V - Growth - Dividend (Trigger Option A 5%) - Dividend (Trigger Option B 10%) Reg - Growth Reg - Dividend (Trigger Option A 5%) Reg - Dividend (Trigger Option B 10%) 1334.05 ( in Cr.) 1299.09 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 126.2088 57.8683 54.8960 122.7074 57.2424 52.8041 87.98% 87.98% 1.65 2.32 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. Sharpe Ratio PE MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load 16.04 0.22 0.65 0.99 0.88 24.42 12.94 0.03 0.11 22.64 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 1% if redeemed on or before expiry of 365 days from the date of allotment (w.e.f. 6th April, 2015) No. of Shares Lakhs 124461.38 % of Assets 93.30 Equity & Equity Related Total Hotels, Resort And Other Recreational Activities Auto Talwalkars Better Value Fitness Ltd. 480000 1399.68 1.05 Bajaj Auto Ltd. Hero Motocorp Ltd. Eicher Motors Ltd. Auto Ancillaries 160000 51000 5000 4464.80 1885.32 1350.69 3.35 1.41 1.01 Pharmaceuticals Aurobindo Pharma Ltd. Industrial Products Finolex Cables Ltd. 200000 772000 1366.90 3538.08 1.02 2.65 Ceat Ltd. Banks 194000 3484.53 2.61 Greaves Cotton Ltd. Media & Entertainment 1050000 1703.63 1.28 Yes Bank Ltd. ICICI Bank Ltd. City Union Bank Ltd. Cement 650000 928500 972400 9502.03 2693.58 1723.58 7.12 2.02 1.29 Zee Entertainment Enterprises Ltd. D.B.Corp Ltd. Minerals/Mining Coal India Ltd. 340000 354500 705000 1671.61 1347.99 1721.61 1.25 1.01 1.29 Grasim Industries Ltd. Chemicals 437000 5421.64 4.06 Gujarat Mineral Dev Corp Ltd. Power 925000 1352.35 1.01 Chemicals Ltd. Construction 750000 4540.13 3.40 Power Grid Corporation Of India Ltd. Torrent Power Ltd. 3800000 1175000 8000.90 2082.10 6.00 1.56 KNR Constructions Ltd. Consumer Non Durables 712500 1480.93 1.11 Retailing Future Retail Ltd. 834620 3080.17 2.31 ITC Ltd. Finance 825000 2671.76 2.00 Software Infosys Ltd. 290000 2713.39 2.03 Muthoot Finance Ltd. Housing Development Finance Ltd. Power Finance Corporation Ltd. Dewan Housing Finance Corporation Ltd. 1210000 278000 2900000 525000 5501.27 4493.45 3553.95 2299.50 4.12 3.37 2.66 1.72 Persistent Systems Ltd. Textile Products Raymond Ltd. Mayur Uniquoters Ltd. Transportation 320000 352000 370000 2171.52 2545.84 1340.33 1.63 1.91 JM Financial Ltd. ICICI Prudential Life Insurance Company Ltd. 1500000 306000 1758.00 1441.57 1.32 1.08 Container Corporation Of India Ltd. Other Equities^ 133750 1532.37 20048.38 1.15 15.03 Max Financial Services Ltd. Gas 220000 1380.61 1.03 CBLO Repo 12993.38 205.64 9.74 0.15 Gail ( India ) Ltd. Petronet Lng Ltd. 1133333 385000 4091.33 1661.47 3.07 1.25 Net Current Liabilities 137660.40-4255.64 103.19-3.19 Healthcare Services 133404.76 100.00 Max India Ltd. 937000 1444.39 1.08 ^ Exposure less than 1% has been clubbed under Other Equities SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B S&P BSE Sensex B S&P BSE Sensex (Inception date 29-Jun-2004) (First Installment date 01-Jul-2004) 136,978 27.44% 130,879 17.36% 488,195 20.85% 408,391 8.38% 1,099,580 24.51% 784,760 10.69% 840,000 1,742,105 20.49% 1,197,835 9.98% 1,200,000 3,138,253 18.29% 1,975,331 9.63% 1,560,000 5,702,530 18.37% 3,296,080 10.86% Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark Source MFI Explorer Top 10 Holdings Equity Issuer Name Yes Bank Ltd. Power Grid Corporation Of India Ltd. Muthoot Finance Ltd. Grasim Industries Ltd. Chemicals Ltd. HDFC Ltd. Bajaj Auto Ltd. Gail (india) Ltd. Power Finance Corporation Finolex Cables Ltd. Total % to V 7.12 6.00 4.12 4.06 3.40 3.37 3.35 3.07 2.66 2.65 39.80 Industry Allocation Finance Banks Power Auto Gas Software Cement Industrial Products Textile Products Auto Ancillaries Chemicals Consumer Non Durables Retailing Media & Entertainment Minerals/mining Construction Transportation Healthcare Services Hotels, Resort And Other Recreational Activities Pharmaceuticals Fertilisers Paper Oil Industrial Capital Goods Non - Ferrous Metals Consumer Durables No. of Shares 7.56% 6.75% 5.08% 4.33% 4.06% 3.93% 3.80% 3.61% 3.40% 3.32% 3.30% 3.22% 2.30% 1.86% 1.15% 1.08% 1.05% 1.02% 0.98% 0.98% 0.88% 0.84% 0.79% 0.56% Lakhs 11.26% 16.18% % of Assets 0.00% 5.00% 10.00% 15.00% 20.00% Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 54.25% 40.65% 5.09% Market Capitalisation includes only domestic listed Equity exposure in BSE. Large Cap Companies are top 125 stocks by market capitalisation on S&P BSE 500 Index and Mid Cap stocks are those between 126 to 499 stocks by market capitalisation and 500 & above being classified as Small cap. For calculation purpose, the previous month market capitalisation data have been used. All the figures has been rebased to 100 (Based on internal calculation). V Movement 180 162 144 126 108 Equity P/E Fund - Reg - Growth S&P BSE Sensex 90 Jun-14 Jun-15 Jun-16 Jun-17 12
Mid Cap Growth Fund (An Open-Ended Equity Scheme) An equity scheme with focus towards mid cap stocks. To provide income distribution and / or medium to long term capital gains. Investments would be focused towards mid-cap stocks. July 1, 1994 FUND MAGER Rupesh Patel (Managing Since 27-Jun-17 and overall experience of 17 years ) & Danesh Mistry (Assistant fund manager) (Managing Since 1-Apr-16 and overall experience of 14 years) Nifty Free Float Midcap 100 V - Growth - Dividend - Bonus Reg - Growth Reg - Dividend Reg - Bonus 604.79 ( in Cr.) MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load 129.8259 49.1404 119.1298 # 125.5865 41.0395 116.9054 # Plans are available for subscription under all open ended schemes of Mutual Fund w.e.f 1st January 2013. Separate V will be calculated & published for respective option(s) of the Plan upon initial subscription. 611.66 ( in Cr.) TURN OVER Portfolio Turnover (Total) 46.69% Portfolio Turnover (Equity component only) 46.69% 1.82 2.54 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. Sharpe Ratio 16.69 0.22 1.08 0.89 0.98 0.12 14.60 0.21 0.87 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 1% if redeemed on or before expiry of 365 days from the date of allotment (w.e.f. 6th April, 2015) Equity & Equity Related Total Auto Atul Auto Ltd. Auto Ancillaries Amara Raja Batteries Ltd. Exide Industries Ltd. WABCO India Ltd. Banks Yes Bank Ltd. City Union Bank Ltd. DCB Bank Ltd. Cement Shree Cement Ltd. Dalmia Bharat Ltd. The Ramco Cements Ltd. J K Cement Ltd. Chemicals Vinati Organics Ltd. Solar Industries India Ltd. Navin Fluorine International Ltd. Construction KNR Constructions Ltd. Somany Ceramics Ltd. Nbcc India Ltd. Brigade Enterprises Ltd. Construction Project Sadbhav Engineering Ltd. NCC Ltd. Sadbhav Infrastructure Project Ltd. Engineers India Ltd. Consumer Durables IFB Industries Ltd. Blue Star Ltd. Fertilisers Chambal Fertiliser & Chemicals Ltd. Finance Muthoot Finance Ltd. Equitas Holdings Ltd. Top 10 Holdings Equity Issuer Name Future Retail Ltd. KNR Construction Yes Bank Ltd. Shree Cement Ltd. Piramal Enterprises Ltd. IFB Industries Ltd. Sadbhav Engineering Ltd. Dalmia Bharat Ltd. Future Consumer Ltd. Gujarat State Petronet Ltd. Total No. of Shares 160000 150000 465500 13000 142000 700000 450000 10000 61000 142000 100000 130000 125000 33499 1000000 157800 375000 263736 496354 1400000 1000000 400000 225000 180000 600000 225000 490000 Lakhs 59214.84 632.56 1257.08 1023.87 717.88 2075.83 1240.75 893.25 1694.40 1504.66 983.85 939.50 1194.90 1025.31 1015.66 2078.50 1210.64 759.38 683.74 1542.42 1225.00 1090.50 614.20 1621.69 1081.08 704.70 1022.96 734.02 % of Assets 97.91 1.05 2.08 1.69 1.19 3.43 2.05 1.48 2.80 2.49 1.63 1.55 1.98 1.70 1.68 3.44 2.00 1.26 1.13 2.55 2.03 1.80 1.02 2.68 1.79 1.17 1.69 1.21 % to V 4.39 3.44 3.43 2.80 2.78 2.68 2.55 2.49 2.37 2.19 29.12 Gas Gujarat State Petronet Ltd. Petronet Lng Ltd. Industrial Capital Goods Bharat Electronics Ltd. Industrial Products Mahindra CIE Automotive Ltd. AIA Engineering Ltd. Fag Bearings Ltd. Nilkamal Ltd. Media & Entertainment Inox Leisure Ltd. Paper Tamilnadu Newsprint & Papers Ltd. Pesticides Bayer Cropscience Ltd. Rallis India Ltd. P.I. Industries Ltd. Pharmaceuticals Piramal Enterprises Ltd. Strides Shasun Ltd. Eris Lifesciences Ltd. Retailing Future Retail Ltd. Future Consumer Ltd. Aditya Birla Fashion & Retail Ltd. Software Elxsi Ltd. Textile Products Trident Ltd. Transportation Cox & Kings Ltd. Interglobe Aviation Ltd. Other Equities^ Repo Net Current Liabilities No. of Shares 750000 200000 550000 505000 85000 25000 40000 425000 215000 20000 360000 100000 60000 120000 162024 720000 4730000 500000 50000 1000000 410000 90000 ^ Exposure less than 1% has been clubbed under Other Equities Lakhs 1324.50 863.10 887.43 1231.19 1185.37 1115.85 753.90 1162.16 670.26 927.15 872.46 834.55 1679.37 1198.14 973.12 2657.16 1430.83 867.00 792.53 737.50 1133.45 1048.46 4301.03 1374.75 60589.59-110.61 60478.98 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B Nifty Free Float Midcap 100 B Nifty Free Float Midcap 100 Total Value of AB Nifty 50 AB Nifty 50 133,926 22.37% 134,812 23.83% 130,496 16.73% 452,372 15.44% 472,193 18.47% 412,975 9.14% 1,087,110 24.03% 1,019,954 21.38% 798,527 11.39% 840,000 1,802,809 21.45% 1,566,042 17.49% 1,221,348 10.52% 1,200,000 3,252,963 18.95% 2,706,464 15.54% 2,020,098 10.06% 2,760,000 18,538,180 17.72% 15,971,549 16.43% 10,172,419 12.43% (Inception date 01-Jul-1994) (First Installment date 01-Jul-1994) Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performace refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer % of Assets 2.19 1.43 1.47 2.04 1.96 1.85 1.25 1.92 1.11 1.53 1.44 1.38 2.78 1.98 1.61 4.39 2.37 1.43 1.31 1.22 1.87 1.73 7.11 2.27 100.18-0.18 100.00 Industry Allocation Cement 8.47% Retailing 8.19% Banks 8.18% Industrial Products 7.91% Construction 7.82% Construction Project 7.39% Pharmaceuticals 7.35% Chemicals 5.35% Pesticides 5.33% Auto Ancillaries 4.96% Consumer Durables 4.47% Finance 4.42% Gas 3.62% Transportation 3.61% Media & Entertainment 1.92% Industrial Capital Goods 1.47% V Software 1.31% Textile Products 1.22% Fertilisers 1.17% Paper 1.11% Auto 1.05% Ferrous Metals 0.63% Healthcare Services 0.53% Hotels, Resort And Other 0.44% 0.00% 5.00% 10.00% V Movement 180 Mid Cap Growth Fund - Reg - Dividend Nifty Free Float Midcap 100 162 144 126 108 90 Jun-14 Jun-15 Jun-16 Jun-17 13
Dividend Yield Fund (An Open-Ended Equity Scheme) Primarily focuses on investing in high dividend yield stocks. Minimum 70% of the net assets shall be invested in stocks having dividend yield higher than dividend yield of S&P BSE SENSEX stocks. To provide income distribution and / or medium to long term capital gains by investing predominantly in high dividend yield stocks. November 22, 2004 FUND MAGER Rupesh Patel (Managing Since 7-Jun-13 and overall experience of 17 years) Nifty 500 V - Growth - Dividend Reg - Growth Reg - Dividend 329.70 ( in Cr.) 329.02 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 76.0592 31.4166 73.8052 29.5572 29.92% 29.92% Sharpe Ratio Dividend Yield MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load 12.88 0.19 0.90 0.87 0.78 0.36 1.95 2.09 2.67 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. 13.30 0.10 0.37 1.27* ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 * For S&P BSE Sensex 1% if redeemed on or before expiry of 365 days from the date of allotment. Equity & Equity Related Total Auto Bajaj Auto Ltd. Banks HDFC Bank Ltd. ICICI Bank Ltd. Karur Vysa Bank Ltd. Construction Project Engineers India Ltd. Sadbhav Engineering Ltd. Consumer Non Durables ITC Ltd. Hindustan Unilever Ltd. CCL Products India Ltd. MPS Ltd. Finance Manappuram Finance Ltd. ICICI Prudential Life Insurance Company Ltd. Muthoot Finance Ltd. Rural Electrification Corp. Ltd. Industrial Capital Goods Siemens Ltd. Industrial Products Finolex Industries Ltd. Swaraj Engines Ltd. Cummins India Ltd. Media & Entertainment Sun TV Network Ltd. No. of Shares 45500 98750 506000 500000 600000 187665 604500 100000 275000 67019 1930000 294000 185000 240000 40000 260000 46500 114319 210000 Lakhs 32231.81 1269.68 1631.60 1467.91 721.75 921.30 583.17 1957.67 1081.60 805.06 400.74 1889.47 1385.03 841.10 411.24 533.58 1568.84 1091.63 1043.85 1708.98 97.76 3.85 4.95 4.45 2.19 2.79 1.77 5.94 3.28 2.44 1.22 5.73 4.20 2.55 1.25 1.62 4.76 3.31 3.17 5.18 Minerals/Mining Coal India Ltd. Gujarat Mineral Dev Corp Ltd. Oil Oil & Natural Gas Co. Power Power Grid Corporation Of India Ltd. Torrent Power Ltd. Pharmaceuticals Strides Shasun Ltd. Software HCL Technologies Ltd. Infosys Ltd. NIIT Technologies Ltd. Eclerx Services Ltd. Mphasis Ltd. Transportation Interglobe Aviation Ltd. Other Equities^ Repo Net Current Liabilities No. of Shares 250000 275000 300000 900000 260000 137300 192000 120000 140000 50000 91805 60000 Lakhs 610.50 402.05 471.90 1894.95 460.72 1370.87 1633.15 1122.78 807.94 658.83 550.05 698.97 234.90 773.49 33005.30-35.13 32970.17 % of Assets 1.85 1.22 1.43 5.75 1.40 4.16 4.95 3.41 2.45 2.00 1.67 2.12 0.71 2.35 100.11-0.11 100.00 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B Nifty 500 B Nifty 500 Total Value of AB Nifty 50 AB Nifty 50 134,131 22.70% 132,514 20.04% 130,496 16.73% 449,882 15.05% 432,086 12.24% 412,975 9.14% 932,541 17.70% 863,276 14.55% 798,527 11.39% 840,000 1,471,475 15.74% 1,323,134 12.76% 1,221,348 10.52% 1,200,000 2,772,942 15.99% 2,190,808 11.58% 2,020,098 10.06% 1,510,000 4,382,228 15.78% 3,264,499 11.57% 3,070,434 10.68% (Inception date 22-Nov-2004) (First Installment date 01-Dec-2004) Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer Top 10 Holdings Equity Issuer Name ITC Ltd. Power Grid Corporation Of India Ltd. Manappuram Finance Ltd. Sun TV Network Ltd. HCL Technologies Ltd. HDFC Bank Ltd. Finolex Industries Ltd. ICICI Bank Ltd. ICICI Prudential Life Insurance Company Ltd. Strides Shasun Ltd. Total % of Assets % to V 5.94 5.75 5.73 5.18 4.95 4.95 4.76 4.45 4.20 4.16 50.07 ^ Exposure less than 1% has been clubbed under Other Equities Industry Allocation Software Finance Consumer Non Durables Banks Industrial Products Power Media & Entertainment Construction Project Pharmaceuticals Auto Minerals/mining Transportation Industrial Capital Goods Oil Fertilisers 7.14% 5.18% 4.56% 4.16% 3.85% 3.07% 2.12% 1.62% 1.43% 0.71% 14.48% 13.73% 12.88% 11.59% 11.24% 0.00% 5.00% 10.00% 15.00% 20.00% V Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 58.71% 34.42% 6.87% Market Capitalisation includes only domestic listed Equity exposure in BSE. Large Cap Companies are top 125 stocks by market capitalisation on S&P BSE 500 Index and Mid Cap stocks are those between 126 to 499 stocks by market capitalisation and 500 & above being classified as Small cap. For calculation purpose, the previous month market capitalisation data have been used. All the figures has been rebased to 100 (Based on internal calculation). V Movement 160 Dividend Yield Fund - Reg - Growth Nifty 500 146 132 118 104 90 Jun-14 Jun-15 Jun-16 Jun-17 14
India Tax Savings Fund (Erstwhile known as Long Term Equity Fund; renamed w.e.f December 21, 2015) (An Open-Ended Equity Linked Saving Scheme (ELSS) for residents with a lock-in period of s) Sharpe Ratio An equity linked tax savings scheme (ELSS) that aims to provide medium to long term capital gains along with income tax benefit under Section 80C of the Income Tax Act. To provide medium to long term capital gains along with income tax relief to its Unitholders, while at all times emphasising the importance of capital appreciation. March 31,1996 FUND MAGER Rupesh Patel (Managing Since 1-Apr-15 and overall experience of 17 years) S&P BSE Sensex V - Dividend Reg - Dividend - Growth Reg- Growth 704.87 ( in Cr.) 697.68 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 14.98 0.24 0.97 0.71 1.04 0.91 MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 500/- and in multiples of 500/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 500/- and multiples of 500/- thereafter. Entry Load Not Applicable Exit Load 91.1944 68.7156 16.2114 15.6785 50.53% 50.53% 12.94 0.03 0.11 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 Nil (Compulsory lock-in period for 3 years) 1.42 2.52 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. Equity & Equity Related Total Auto Motors Ltd. TVS Motor Company Ltd. Maruti Suzuki India Ltd. Auto Ancillaries Exide Industries Ltd. Banks ICICI Bank Ltd. HDFC Bank Ltd. Yes Bank Ltd. Kotak Mahindra Bank Ltd. State Bank Of India DCB Bank Ltd. Cement Dalmia Bharat Ltd. Shree Cement Ltd. Chemicals Vinati Organics Ltd. Construction Somany Ceramics Ltd. KNR Constructions Ltd. Brigade Enterprises Ltd. Construction Project Larsen & Toubro Ltd. NCC Ltd. Consumer Non Durables ITC Ltd. Ferrous Metals Steel Ltd. Shankara Building Products Ltd. Fertilisers Chambal Fertiliser & Chemicals Ltd. Finance Housing Development Finance Ltd. Bajaj Finance Ltd. Equitas Holdings Ltd. Muthoot Finance Ltd. ICICI Prudential Life Insurance Company Ltd. Top 10 Holdings Equity Issuer Name ICICI Bank Ltd. HDFC Bank Ltd. ITC Ltd. Yes Bank Ltd. Motors Ltd. Future Retail Ltd. HCL Technologies Ltd. Steel Ltd. Avenue Supermarts Ltd. Somany Ceramics Ltd. Total Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap No. of Shares 510000 200000 15000 410000 1100000 175000 159888 155000 475000 580000 53000 6100 115000 197274 500000 307692 72000 1000000 865504 310000 109906 725000 80000 85000 700000 200000 180000 Lakhs 68776.77 2205.75 1098.90 1082.69 901.80 3191.10 2891.44 2337.32 1480.95 1299.60 1151.30 1307.32 1033.58 1057.02 1513.49 1039.25 797.69 1215.22 875.00 2802.93 1687.49 891.12 851.51 1293.08 1168.07 1048.60 909.30 847.98 % of Assets 97.57 3.13 1.56 1.54 1.28 4.53 4.10 3.32 2.10 1.84 1.63 1.85 1.47 1.50 2.15 1.47 1.13 1.72 1.24 3.98 2.39 1.26 1.21 1.83 1.66 1.49 1.29 1.20 % to V 4.53 4.10 3.98 3.32 3.13 2.62 2.41 2.39 2.31 2.15 30.94 55.03% 36.55% 8.42% Market Capitalisation includes only domestic listed Equity exposure in BSE. Large Cap Companies are top 125 stocks by market capitalisation on S&P BSE 500 Index and Mid Cap stocks are those between 126 to 499 stocks by market capitalisation and 500 & above being classified as Small cap. For calculation purpose, the previous month market capitalisation data have been used. All the figures has been rebased to 100 (Based on internal calculation). Healthcare Services Apollo Hospitals Enterprise Ltd. Industrial Products Cummins India Ltd. Finolex Industries Ltd. Mahindra Cie Automotive Ltd. Media & Entertainment Inox Leisure Ltd. Oil Oil & Natural Gas Co. Pharmaceuticals Eris Lifesciences Ltd. Natco Pharma Ltd. Sun Pharmaceutical Industries Ltd. Strides Shasun Ltd. Power Power Grid Corporation Of India Ltd. Torrent Power Ltd. Retailing Future Retail Ltd. Avenue Supermarts Ltd. Future Consumer Ltd. Aditya Birla Fashion & Retail Ltd. Software HCL Technologies Ltd. Transportation Cox & Kings Ltd. Other Equities^ Repo Cash / Net Current Asset No. of Shares 100000 125000 127000 300000 275000 750000 232176 110000 200000 80000 500000 400000 500000 200000 4000000 424000 200000 520000 ^ Exposure less than 1% has been clubbed under Other Equities Lakhs 1275.90 1141.38 766.32 731.40 751.99 1179.75 1394.45 1109.96 1109.00 798.76 1052.75 708.80 1845.25 1629.20 1210.00 735.22 1701.20 1437.54 10218.40 1632.58 70409.35 77.52 70486.87 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B S&P BSE Sensex B S&P BSE Sensex (Inception date 31-Mar-1996) (First Installment date 01-Jul-1996) 134,638 23.54% 130,879 17.36% 466,331 17.58% 408,391 8.38% 1,010,059 20.98% 784,760 10.69% 840,000 1,626,851 18.56% 1,197,835 9.98% 1,200,000 2,855,646 16.54% 1,975,331 9.63% 2,520,000 32,012,646 20.53% 11,280,840 12.61% Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark Source MFI Explorer % of Assets 1.81 1.62 1.09 1.04 1.07 1.67 1.98 1.57 1.57 1.13 1.49 1.01 2.62 2.31 1.72 1.04 2.41 2.04 14.50 2.32 99.89 0.11 100.00 Industry Allocation Banks 18.96% Finance 8.82% Retailing 7.69% Pharmaceuticals 6.80% Auto 6.22% Industrial Products 6.14% Cement 5.82% Construction 4.75% Construction Project 4.29% Consumer Non Durables 3.98% Ferrous Metals 3.66% Power 2.50% Software 2.41% Chemicals 2.36% Transportation 2.04% Consumer Durables 1.82% V Healthcare Services 1.81% Oil 1.67% Auto Ancillaries 1.28% Fertilisers 1.21% Media & Entertainment 1.07% Industrial Capital Goods 0.80% Gas 0.75% Hotels, Resort And Other 0.72% 0.00% 5.00% 10.00% 15.00% 20.00% V Movement 180 India Tax Savings Fund - Reg - Dividend S&P BSE Sensex 162 144 126 108 90 Jun-14 Jun-15 Jun-16 Jun-17 15
Banking & Financial Services Fund (An Open-Ended Banking & Financial Services Sector Scheme) Primarily focuses on investment in at least 80% of its net assets in equity/equity related instruments of the companies in the Banking and Financial Services sector in India. The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in the Banking and Financial Services sector in India. December 28, 2015 FUND MAGER Sonam Udasi (Managing Since 1-Apr-16 and overall experience of 20 years) & Pradeep Gokhale (Managing Since 28-Dec-15 and overall experience of 26 years) Nifty Financial Services V - Dividend - Growth - Dividend - Growth 173.64 ( in Cr.) 16.5435 16.5435 16.1091 16.1091 ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and in multiples of Re. 1/- thereafter. Sharpe Ratio Entry Load Not Applicable Exit Load 20.32 0.39 0.91 0.82 2.53 1.08 19.73 0.24 1.34 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 NIL (w.e.f. 01st January, 2017) 1.45 2.80 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. Equity & Equity Related Total Banks Yes Bank Ltd. HDFC Bank Ltd. DCB Bank Ltd. Kotak Mahindra Bank Ltd. ICICI Bank Ltd. City Union Bank Ltd. Federal Bank Ltd. Bank Of Baroda Finance Muthoot Finance Ltd. ICICI Prudential Life Insurance Company Ltd. Max Financial Services Ltd. Bajaj Finserv Ltd. Housing Development Finance Ltd. Bajaj Finance Ltd. Power Finance Corporation Ltd. Gruh Finance Ltd. Central Depository Services (India) Ltd. (Anchor) JM Financial Ltd. Dewan Housing Finance Corporation Ltd. Indiabulls Housing Finance Ltd. No. of Shares 112000 89400 590000 112900 280500 369000 300000 130000 363000 232000 152000 22600 49500 48000 425000 100000 167800 300000 78000 30000 % of Lakhs Assets 16046.87 92.42 1637.27 1477.11 1171.15 1078.70 813.73 654.05 338.40 209.43 1650.38 1092.95 953.88 930.22 800.09 659.62 520.84 443.15 438.96 351.60 341.64 322.85 9.43 8.51 6.74 6.21 4.69 3.77 1.95 1.21 9.50 6.29 5.49 5.36 4.61 3.80 3.00 2.55 2.53 2.02 1.97 1.86 165.11 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) MINIMUM INVESTMENT / MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. 67.19% 67.19% Other Equities^ Repo Net Current Liabilities ^ Exposure less than 1% has been clubbed under Other Equities 160.85 1507.32 17554.19-190.37 17363.82 0.93 8.68 101.10-1.10 100.00 Digital India Fund (An Open-Ended Information Technology Sector Scheme) Primarily focuses on investment in at least 80% of its net assets in equity/equity related instruments of the companies in the Information Technology sector in India. The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in Information Technology Sector in India.However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.the Scheme does not assure or guarantee any returns. December 28,2015 FUND MAGER Sonam Udasi (Managing Since 1-Apr - 16 and overall experience of 20 years) & Pradeep Gokhale (Managing Since 28-Dec-15 and overall experience of 26 years) S&P BSE IT V - Dividend - Growth - Dividend - Growth 9.7070 9.7070 9.4584 9.4584 MINIMUM INVESTMENT / MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and in multiples of Re. 1/- thereafter. 1.40 2.89 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. Sharpe Ratio 14.69-0.18 0.76 0.89-0.98-0.01 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 Entry Load Not Applicable Exit Load NIL (w.e.f. 01st January, 2017) 17.76-0.19-0.96 Equity & Equity Related Total Software Infosys Ltd. Consultancy Services Ltd. Elxsi Ltd. HCL Technologies Ltd. Persistent Systems Ltd. Oracle Financials Services Soft Ltd. Info Edge (India) Ltd. Tech Mahindra Ltd. Mphasis Ltd. Niit Technologies Ltd. Wipro Ltd. Sonata Software Ltd. Eclerx Services Ltd. Repo Cash / Net Current Asset No. of Shares 103500 17500 25150 46300 40000 6000 20500 54500 24834 25000 47000 50000 4400 % of Lakhs Assets 3629.66 91.70 968.40 413.76 398.64 393.83 271.44 215.89 210.75 207.84 148.79 144.28 121.61 76.45 57.98 317.33 3946.99 11.30 3958.29 24.47 10.45 10.07 9.95 6.86 5.45 5.32 5.25 3.76 3.64 3.07 1.93 1.46 8.02 99.72 0.28 100.00 39.58 ( in Cr.) 39.60 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 37.98% 37.98% 16
India Consumer Fund (An Open-Ended Consumption Oriented Sector Scheme) Primarily focuses on investment in at least 80% of its net assets in equity/equity related instruments of the companies in the Consumption Oriented sectors in India. The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its assets in equity/equity related instruments of the companies in the Consumption Oriented sectors in India.However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.the Scheme does not assure or guarantee any returns. December 28, 2015 FUND MAGER Sonam Udasi (Managing Since 1-Apr-16 and overall experience of 20 years) & Rupesh Patel (Managing Since 28-Dec-15 and overall experience of 17 years) Nifty India Consumption V - Dividend - Growth - Dividend - Growth 147.11 ( in Cr.) 140.21 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) MINIMUM INVESTMENT / MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. 14.5682 14.5682 14.1800 14.1800 68.87% 68.87% ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and in multiples of Re. 1/- thereafter. 1.44 2.83 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. Sharpe Ratio Entry Load Exit Load Not Applicable 18.07 0.29 0.99 0.71 1.54 0.79 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 NIL (w.e.f. 01st January, 2017) 14.99 0.17 0.73 Equity & Equity Related Total Auto Maruti Suzuki India Ltd. Bajaj Auto Ltd. Eicher Motors Ltd. Auto Ancillaries Ceat Ltd. WABCO India Ltd. Consumer Durables Whirlpool Of India Ltd. Bata India Ltd. Titan Company Ltd. Century Plyboards (India) Ltd. Greenply Industries Ltd. Consumer Non Durables ITC Ltd. Heritage Foods Ltd. Eveready Industries India Ltd. Britannia Industries Ltd. Marico Ltd. Colgate-Palmolive India Ltd. Godrej Industries Ltd. Godrej Consumer Products Ltd. VST Industries Ltd. Media & Entertainment Zee Entertainment Enterprises Ltd. Sun Tv Network Ltd. D.B.Corp Ltd. Zee Learn Ltd. Retailing Future Retail Ltd. Avenue Supermarts Ltd. Future Consumer Ltd. Textile Products Raymond Ltd. Mayur Uniquoters Ltd. Page Industries Ltd. Repo Cash / Net Current Asset No. of Shares 20550 26500 1300 30000 3000 33000 60000 58000 76000 80000 457000 54000 145000 7500 85000 24000 31500 19600 4220 211410 47000 75600 580000 283700 72000 1855000 124500 80000 1000 % of Lakhs Assets 14161.60 96.27 1483.28 739.48 351.18 538.85 165.66 375.51 321.78 303.69 223.67 220.48 1479.99 599.21 494.60 277.10 266.86 266.78 200.59 189.18 151.54 1039.40 382.49 287.47 251.14 1046.99 586.51 561.14 900.45 289.80 166.78 533.41 14695.01 15.79 14710.80 10.08 5.03 2.39 3.66 1.13 2.55 2.19 2.06 1.52 1.50 10.06 4.07 3.36 1.88 1.81 1.81 1.36 1.29 1.03 7.07 2.60 1.95 1.71 7.12 3.99 3.81 6.12 1.97 1.13 3.63 99.90 0.10 100.00 India Pharma & Healthcare Fund (An Open-Ended India Pharma & Healthcare Services Sector Scheme) Primarily focuses on investment in at least 80% of its net assets in equity/equity related instruments of the companies in the Pharma & Healthcare sectors in India. The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in the pharma & healthcare sectors in India.However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.the Scheme does not assure or guarantee any returns. December 28, 2015 FUND MAGER Sonam Udasi (Managing Since 1-Apr - 16 and overall experience of 20 years) & Rupesh Patel (Managing Since 28-Dec-15 and overall experience of 17 years) Nifty Pharma V - Dividend - Growth - Dividend - Growth 81.67 ( in Cr.) 8.9330 8.9330 8.7124 8.7124 ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and in multiples of Re. 1/- thereafter. Sharpe Ratio 14.13-0.30 0.85 0.80-1.42 0.32 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 50 Entry Load Not Applicable Exit Load NIL (w.e.f. 01st January, 2017) 1.45 2.89 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. 15.11-0.41-1.79 Equity & Equity Related Total Healthcare Services Healthcare Global Enterprises Ltd. Apollo Hospitals Enterprise Ltd. Max India Ltd. Dr. Lal Path Labs Ltd. Thyrocare Technologies Ltd. Pharmaceuticals Sun Pharmaceutical Industries Ltd. Natco Pharma Ltd. Piramal Enterprises Ltd. Aurobindo Pharma Ltd. Alembic Pharmaceuticals Ltd. Strides Shasun Ltd. Dishman Carbogen Amcis Ltd. Syngene International Ltd. Sanofi India Ltd. IPCA Laboratories Ltd. Abbott India Ltd. No. of Shares 166000 31300 223100 21000 18000 237100 78500 26200 73000 96000 45250 140000 87000 9000 50000 4450 % of Lakhs Assets 7448.12 91.20 418.32 399.36 343.91 163.99 131.18 1314.72 792.10 733.32 498.92 482.54 451.80 421.47 409.60 374.54 245.60 187.33 5.12 4.89 4.21 2.01 1.61 16.10 9.70 8.98 6.11 5.91 5.53 5.16 5.02 4.59 3.01 2.29 78.43 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 82.86% 82.86% Other Equities^ Repo Net Current Liabilities 79.42 798.55 8246.67-80.02 8166.65 0.97 9.78 100.98-0.98 100.00 MINIMUM INVESTMENT / MULTIPLES FOR NEW INVESTMENT ^ Exposure less than 1% has been clubbed under Other Equities 5,000/- and in multiples of Re. 1/- thereafter. 17
Resources & Energy Fund (An Open-Ended Resources & Energy Sector Scheme) Primarily focuses on investment in at least 80% of its net assets in equity/equity related instruments of the companies in the Resources & Energy sectors in India. The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in the Resources & Energy sectors in India.However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.the Scheme does not assure or guarantee any returns. December 28, 2015 FUND MAGER Sonam Udasi (Managing Since 1-Apr-16 and overall experience of 20 years) & Rupesh Patel (Managing Since 28-Dec-15 and overall experience of 17 years) Nifty Commodities V - Dividend - Growth - Dividend - Growth 41.28 ( in Cr.) 14.2985 14.2985 13.9209 13.9209 ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and in multiples of Re. 1/- thereafter. 1.42 2.89 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. Sharpe Ratio 14.52 0.34 0.78 0.92 1.79 0.32 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 Entry Load Not Applicable Exit Load NIL (w.e.f. 01st January, 2017) 17.44 0.28 1.38 Equity & Equity Related Total Cement Ultratech Cement Ltd. Ambuja Cements Ltd. Shree Cement Ltd. Grasim Industries Ltd. The Ramco Cements Ltd. Chemicals Chemicals Ltd. Vinati Organics Ltd. Ferrous Metals Metaliks Ltd. Steel Ltd. Fertilisers Chambal Fertiliser & Chemicals Ltd. Gas Gail ( India ) Ltd. Petronet Lng Ltd. Aegis Logistics Ltd. Gujarat State Petronet Ltd. Gujarat Gas Ltd. Minerals/Mining Coal India Ltd. Gujarat Mineral Dev Corp Ltd. Non - Ferrous Metals Vedanta Ltd. Hindalco Industries Ltd. National Aluminium Co. Ltd. Oil Oil & Natural Gas Co. Pesticides Bayer Cropscience Ltd. Rallis India Ltd. No. of Shares 7500 67500 900 7300 12200 25000 15050 23500 18000 82000 57066 39800 45000 42800 9500 109300 121000 69500 77000 130000 139950 2000 30000 Lakhs 3894.13 297.24 165.95 152.50 90.57 84.53 151.34 138.33 165.69 97.98 96.31 206.01 171.76 85.01 75.58 70.53 266.91 176.90 173.09 146.72 84.31 220.14 92.72 72.71 % of Assets 94.34 7.20 4.02 3.69 2.19 2.05 3.67 3.35 4.01 2.37 2.33 4.99 4.16 2.06 1.83 1.71 6.47 4.29 4.19 3.55 2.04 5.33 2.25 1.76 41.75 ( in Cr.) TURNOVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) MINIMUM INVESTMENT / MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. 68.07% 68.07% Petroleum Products Indian Oil Corporation Ltd. Castrol India Ltd. Power Power Grid Corporation Of India Ltd. Power Company Ltd. Other Equities^ Repo Cash / Net Current Asset ^ Exposure less than 1% has been clubbed under Other Equities 21000 18000 161700 100000 80.83 72.70 340.46 80.55 36.76 207.73 4101.86 25.74 4127.60 1.96 1.76 8.25 1.95 0.89 5.03 99.37 0.63 100.00 18
Infrastructure Fund (An Open-Ended Equity Scheme) Primarily focuses on equity / equity related instruments of the companies in the Infrastructure sector in India. To provide income distribution and / or medium to long term capital gains by investing predominantly in equity / equity related instruments of the companies in the infrastructure sector. December 31, 2004 FUND MAGER Rupesh Patel (Managing Since 1-Jan-14 and overall experience of 17 years) Nifty 500 V - Growth - Dividend Reg - Growth Reg - Dividend 724.48 ( in Cr.) 735.43 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 54.5736 30.7253 53.3797 27.5557 33.37% 33.16% 2.14 2.52 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. Sharpe Ratio 16.90 0.14 1.18 0.86 0.56 0.22 MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. 13.30 0.10 0.37 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 47 Equity & Equity Related Total Banks HDFC Bank Ltd. ICICI Bank Ltd. Yes Bank Ltd. State Bank Of India Bank Of Baroda Cement Shree Cement Ltd. The Ramco Cements Ltd. Ultratech Cement Ltd. J K Cement Ltd. Chemicals Solar Industries India Ltd. Construction KNR Constructions Ltd. NBCC India Ltd. Construction Project Sadbhav Engineering Ltd. Larsen & Toubro Ltd. NCC Ltd. Engineers India Ltd. Sadbhav Infrastructure Project Ltd. Engineering Services VA Tech Wabag Ltd. Ferrous Metals Steel Ltd. Finance Rural Electrification Corp. Ltd. Gas Gujarat State Petronet Ltd. No. of Shares 200000 1045000 185000 550000 600000 20000 450000 53000 151930 100000 1875000 800000 1185000 205000 1950000 768000 1080925 150000 345000 470000 1210000 SIP - If you had invested INR 10000 every month Lakhs 70035.53 3304.50 3031.55 2704.42 1504.80 966.60 3388.80 3117.83 2100.52 1427.38 820.25 3897.19 1620.00 3682.39 3459.99 1706.25 1179.26 1178.75 1030.65 1878.01 805.35 2136.86 % of Assets 96.67 4.56 4.18 3.73 2.08 1.33 4.68 4.30 2.90 1.97 1.13 5.38 2.24 5.08 4.78 2.36 1.63 1.63 1.42 2.59 1.11 2.95 Industrial Capital Goods Bharat Electronics Ltd. ABB India Ltd. Thermax Ltd. Siemens Ltd. Industrial Products Astral Poly Technik Ltd. AIA Engineering Ltd. Cummins India Ltd. Finolex Cables Ltd. Timken India Ltd. Fag Bearings Ltd. Ador Welding Ltd. Grindwell Norton Ltd. Media & Entertainment Inox Leisure Ltd. Power Power Grid Corporation Of India Ltd. Kalpataru Power Transmission Ltd. Transportation Container Corporation Of India Ltd. Other Equities^ Repo Net Current Liabilities No. of Shares 1000000 89000 100000 60000 300000 120000 161000 275000 185000 23018 244549 200000 Lakhs 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B Nifty 500 B Nifty 500 Total Value of AB Nifty 50 AB Nifty 50 132,370 19.80% 132,514 20.04% 130,496 16.73% 445,492 14.36% 432,086 12.24% 412,975 9.14% 924,083 17.32% 863,276 14.55% 798,527 11.39% 840,000 1,344,079 13.20% 1,323,134 12.76% 1,221,348 10.52% 1,200,000 2,042,144 10.26% 2,190,808 11.58% 2,020,098 10.06% 1,490,000 3,012,746 10.75% 3,168,860 11.49% 2,976,893 10.57% (Inception date 31-Dec-2004) (First Installment date 01-Feb-2005) Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer 400000 1530000 335000 87500 ^ Exposure less than 1% has been clubbed under Other Equities 1613.50 1291.48 939.35 800.37 2058.90 1673.46 1470.09 1260.33 1234.04 1027.39 918.16 802.30 1093.80 3221.42 1108.52 1002.49 3578.58 2423.82 72459.35-10.96 72448.39 % of Assets 2.23 1.78 1.30 1.10 2.84 2.31 2.03 1.74 1.70 1.42 1.27 1.11 1.51 4.45 1.53 1.38 4.94 3.35 100.02-0.02 100.00 ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load NIL (w.e.f. 01st January, 2017) Top 10 Holdings Equity Issuer Name KNR Construction Sadbhav Engineering Ltd. Larsen & Toubro Ltd. Shree Cement Ltd. HDFC Bank Ltd. Power Grid Corporation Of India Ltd. The Ramco Cements Ltd. ICICI Bank Ltd. Yes Bank Ltd. Gujarat State Petronet Ltd. Total % to V 5.38 5.08 4.78 4.68 4.56 4.45 4.30 4.18 3.73 2.95 44.09 Industry Allocation Construction Project Banks Industrial Products Cement Construction Power Industrial Capital Goods Ferrous Metals Gas Media & Entertainment Engineering Services Transportation Chemicals Finance Oil 2.95% 2.95% 1.51% 1.42% 1.38% 1.13% 1.11% 0.91% 7.62% 6.83% 6.64% 16.96% 15.89% 15.51% 13.85% 0.00% 5.00% 10.00% 15.00% 20.00% V Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 47.41% 43.77% 8.82% Market Capitalisation includes only domestic listed Equity exposure in BSE. Large Cap Companies are top 125 stocks by market capitalisation on S&P BSE 500 Index and Mid Cap stocks are those between 126 to 499 stocks by market capitalisation and 500 & above being classified as Small cap. For calculation purpose, the previous month market capitalisation data have been used. All the figures has been rebased to 100 (Based on internal calculation). V Movement 160 Infrastructure Fund - Reg - Growth Nifty 500 146 132 118 104 90 Jun-14 Jun-15 Jun-16 Jun-17 19
Balanced Fund (An Open-Ended Balanced Scheme) Invests 65% to 75% investment in Equity & equity related instruments & 25% to 35% in debt & money market instruments. For taxation purpose, it is treated as an equity scheme. (Monthly Income is not assured and is subject to availability of distributable surplus.). To provide income distribution and / or medium to long term capital gains while at all times emphasising the importance of capital appreciation. October 8, 1995 FUND MAGER Pradeep Gokhale (Managing Since 1-Apr-16 and overall experience of 26 years) (Equity) & Murthy Nagarajan (Managing since 1-Apr-17 and overall experience of 21 years) (Debt) CRISIL Balanced Fund - Aggressive Index V - Growth - Dividend - Monthly Dividend Reg - Growth Reg - Dividend Reg - Monthly Dividend 6313.25 ( in Cr.) 6400.26 ( in Cr.) 202.2636 79.4789 70.2614 196.8380 76.8394 67.9878 TURN OVER Portfolio Turnover (Total) 293.55% Portfolio Turnover (Equity component only) 38.72% 1.10 2.07 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. Sharpe Ratio MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load 10.66 0.20 0.76 0.60 0.65 8.84-0.02-0.06 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 Modified Duration 3.92 Years Average Maturity 8.04 Years Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets 6.60% 6.80% 1% if redeemed on or before expiry of 365 days from the date of allotment (w.e.f. 6th April, 2015) Company Name Equity & Equity Related Total Auto Motors Ltd. Maruti Suzuki India Ltd. Auto Ancillaries Motherson Sumi Systems Ltd. Banks HDFC Bank Ltd. ICICI Bank Ltd. Yes Bank Ltd. State Bank Of India Kotak Mahindra Bank Ltd. Indusind Bank Ltd. DCB Bank Ltd. Cement Shree Cement Ltd. Construction Project Larsen & Toubro Ltd. Sadbhav Engineering Ltd. Consumer Non Durables ITC Ltd. Gas Gail ( India ) Ltd. Gujarat State Petronet Ltd. Industrial Capital Goods Bharat Electronics Ltd. Media & Entertainment Zee Entertainment Enterprises Ltd. Petroleum Products Reliance Industries Ltd. Pharmaceuticals Sun Pharmaceutical Industries Ltd. Power Power Grid Corporation Of India Ltd. Retailing Aditya Birla Fashion & Retail Ltd. Software HCL Technologies Ltd. Infosys Ltd. Other Equities^ 2550000 100000 1400000 2000000 10835000 1000000 5100000 1035000 486000 3500000 65000 880000 2400000 6237500 2285666 4000000 6600000 1800000 1200000 1400000 8200000 5000000 1870000 1400000 Lakhs 460496.12 11028.75 7217.90 6438.60 33045.00 31432.34 14618.50 13953.60 9888.91 7192.56 6947.50 11013.60 14852.64 7458.00 20200.14 8251.25 7064.00 10649.10 8849.70 16563.00 7763.00 17265.10 8670.00 15906.22 13099.10 151127.61 % of Assets 72.94 1.75 1.14 1.02 5.23 4.98 2.32 2.21 1.57 1.14 1.10 1.74 2.35 1.18 3.20 1.31 1.12 1.69 1.40 2.62 1.23 2.73 1.37 2.52 2.07 23.94 % to V Name of the Instrument Ratings Lakhs CBLO Repo Cash / Net Current Asset ^ Exposure less than 1% has been clubbed under Other Equities 19989.81 30897.11 616968.60 14356.35 631324.95 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B CRISIL Balanced Fund - Aggressive Index B CRISIL Balanced Fund - Aggressive Index Total Value of AB S&P BSE Sensex AB S&P BSE Sensex (Inception date 08-Oct-1995) (First Installment date 01-Feb-1996) Top 10 Holdings Equity Issuer Name HDFC Bank Ltd. ICICI Bank Ltd. ITC Ltd. Power Grid Corporation Of India Ltd. Reliance Industries Ltd. HCL Technologies Ltd. Larsen & Toubro Ltd. Yes Bank Ltd. State Bank Of India Infosys Ltd. Total No. of Shares Name of the Instrument Ratings Lakhs Debt Instruments Government Securities GOI - 6.62% (28/11/2051) GOI - 6.57% (05/12/2033) GOI - 8.24% (15/02/2027) GOI - 8.28% (21/09/2027) GOI - 7.35% (22/06/2024) GOI - 7.59% (20/03/2029) SDL Punjab 7.07% (28/12/2020) 60194.26 22939.42 7062.76 6184.67 4364.13 3474.03 2615.54 2504.17 126,912 10.93% 128,873 14.09% 130,879 17.36% 9.53 3.63 1.12 0.98 0.69 0.55 0.41 0.40 % to V 5.23 4.98 3.20 2.73 2.62 2.52 2.35 2.32 2.21 2.07 30.23 421,069 10.46% 416,739 9.76% 408,391 8.38% GOI - 7.73% (19/12/2034) GOI - 7.06% (10/10/2046) GOI - 8.17% (01/12/2044) GOI - 8.15% (24/11/2026) GOI - 6.79% (15/05/2027) GOI - 6.79% (26/12/2029) GOI - 8.30% (02/07/2040) SDL Karnataka 8.40% (27/03/2018) GOI - 7.68% (15/12/2023) SDL Tamilnadu 8.14% (27/05/2025) Non-Convertible Debentures/Bonds/ZCB 07.56 % LIC Housing Finance Ltd. 07.80 % Kotak Mahindra Investments Ltd. 07.45 % HDFC Ltd. 06.90 % Power Finance Corporation 07.60 % Power Finance Corporation 08.65 % Indiabulls Housing Finance Ltd. 07.95 % HDFC Ltd. 07.00 % Indian Railways Finance Corporation Ltd. 06.88 % Rural Electrification Corp. Ltd. 08.32 % Reliance Jio Infocomm Ltd. 09.58 % Indiabulls Housing Finance Ltd. 07.95 % Reliance Ports & Terminals Ltd. 09.36 % Power Finance Corporation 08.70 % Power Finance Corporation 09.50 % HDFC Ltd. 08.72 % Nabha Power Ltd. IL&FS Ltd. - ZCB 09.27 % Talwandi Sabo Power Ltd. 08.71 % Mahindra & Mahindra Financial Services Ltd. 09.45 % State Bank Of India 09.32 % Power Finance Corporation 09.30 % Blue Dart Express Ltd. 09.40 % Blue Dart Express Ltd. 09.50 % Blue Dart Express Ltd. Privately Placed/Unlisted 08.15 % Vodafone Mobile Services Ltd. Money Market Instruments Deutsche Investment India Pvt Ltd. - CP 899,633 16.23% 794,509 11.19% 784,760 10.69% Industry Allocation 840,000 1,474,689 15.80% 1,219,145 10.47% 1,197,835 9.98% CRISIL- AA+ CRISIL- AA+ ICRA- AAA(so) ICRA- AAA CRISIL- AA(so) CRISIL- AA+ ICRA- AA ICRA- AA ICRA- AA CRISIL- AA 1,200,000 2,694,184 15.45% 2,013,634 9.99% 1,975,331 9.63% 2138.03 1986.20 1670.27 1616.46 1529.98 1230.96 418.87 328.97 79.13 50.67 40392.75 5018.10 5016.51 5012.06 4991.70 3053.75 2584.83 2525.67 2502.00 2496.88 1542.05 1511.49 1504.56 534.13 517.92 501.41 403.34 193.54 180.86 131.41 81.17 50.15 19.43 11.25 8.54 2528.46 2528.46 2470.09 2470.09 % to V 0.34 0.31 0.26 0.26 0.24 0.19 0.07 0.05 0.01 0.01 6.40 0.79 0.79 0.79 0.79 0.48 0.41 0.40 0.40 0.40 0.24 0.24 0.24 0.08 0.08 0.08 0.06 0.03 0.03 0.02 0.01 0.01 0.00 0.00 0.00 0.40 0.40 0.39 0.39 3.17 4.89 97.73 2.27 100.00 2,570,000 24,112,015 17.86% 9,219,931 10.65% 11,735,317 12.50% Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark Source MFI Explorer Banks Construction Project Pharmaceuticals Software Consumer Non Durables Cement Auto Ancillaries Power Finance Auto Petroleum Products Gas Industrial Products Industrial Capital Goods Consumer Durables Media & Entertainment Retailing Minerals/mining Non - Ferrous Metals Chemicals Pesticides 5.91% 5.34% 5.24% 4.12% 3.77% 3.72% 3.24% 2.94% 2.89% 2.62% 2.43% 2.30% 1.69% 1.48% 1.40% 1.37% 0.70% 0.70% 0.46% 0.41% 20.21% 0.00% 5.00% 10.00% 15.00% 20.00% 25.00% V Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 74.86% 22.72% 2.42% Market Capitalisation includes only domestic listed Equity exposure in BSE. Large Cap Companies are top 125 stocks by market capitalisation on S&P BSE 500 Index and Mid Cap stocks are those between 126 to 499 stocks by market capitalisation and 500 & above being classified as Small cap. For calculation purpose, the previous month market capitalisation data have been used. All the figures has been rebased to 100 (Based on internal calculation). V Movement 150 138 126 114 102 90 Balanced Fund - Reg - Growth CRISIL Balanced Fund - Aggressive Index Jun-14 Jun-15 Jun-16 Jun-17 20
Savings Equity Fund (An Open-Ended Equity Scheme) Predominantly investing in equity and equity related instruments, equity arbitrage opportunities and debt and money market instruments. The investment objective of the scheme is to provide long term capital appreciation and income distribution to the investors by predominantly investing in equity and equity related instruments, equity arbitrage opportunities and investments in debt and money market instruments. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The scheme does not assure or guarantee any returns. April 27, 2000 FUND MAGER Sonam Udasi (Managing Since 1-Apr-16 and overall experience of 20 years)(for equity portfolio) & Murthy Nagarajan (Managing since 1-Apr-17 and overall experience of 2s) (for Debt Portfolio) Nifty 50 Index (35%),Crisil Liquid Fund Index (30%), Crisil Short Term Bond Fund Index (35%) V Monthly Dividend Growth Quarterly Dividend - Growth - Monthly Dividend - Quarterly Dividend 14.5751 30.4731 14.6145 31.8050 15.1668 15.4752 181.73 ( in Cr.) 177.37 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) Sharpe Ratio Modified Duration Average Maturity MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT Growth Option Rs 5,000/- and in multiple of Re.1/- thereafter Dividend Option Rs 5,000/- and in multiple of Re.1/- thereafter ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load 4.75 0.06 0.84 0.72 0.10 0.07 776.72% 114.91% 1.14 1.83 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. 4.71 0.01 0.02 0.4s 0.57 Years Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* 1.96% 6.72% *NCA - Net Current Assets ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer Pg 49 Total stock in Portfolio 26 0.25% of the applicable V, if redeemed on or before expiry of 90 days from the date of allotment. (w.e.f. Oct 1, 2016) Equity & Equity Related Total Unhedge Positions Auto Maruti Suzuki India Ltd. Bajaj Auto Ltd. Banks Yes Bank Ltd. Cement Dalmia Bharat Ltd. Grasim Industries Ltd. Chemicals Chemicals Ltd. Construction Project Engineers India Ltd. Consumer Non Durables Heritage Foods Ltd. ITC Ltd. Finance Max Financial Services Ltd. ICICI Prudential Life Insurance Company Ltd. Muthoot Finance Ltd. Bajaj Finserv Ltd. Power Finance Corporation Ltd. Bajaj Finance Ltd. Gas Gail ( India ) Ltd. Industrial Products Finolex Cables Ltd. Fag Bearings Ltd. Media & Entertainment Zee Entertainment Enterprises Ltd. Paper Tamilnadu Newsprint & Papers Ltd. Petroleum Products Indian Oil Corporation Ltd. Power Power Grid Corporation Of India Ltd. Retailing Future Retail Ltd. Avenue Supermarts Ltd. Textile Products Raymond Ltd. Transportation Container Corporation Of India Ltd. Hedge Positions Century Textiles & Industries Ltd. Century Textiles & Industries Ltd. - Futures Sun TV Network Ltd. Sun TV Network Ltd. - Futures Dewan Housing Finance Corporation Ltd. Dewan Housing Finance Corporation Ltd. - Futures Castrol India Ltd. SIP - If you had invested INR 10000 every month Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B Nifty 50 Index (35%),Crisil Liquid Fund Index (30%), Crisil Short Term Bond Fund Index (35%) B Nifty 50 Index (35%),Crisil Liquid Fund Index (30%), Crisil Short Term Bond Fund Index (35%) Total Value of AB S&P BSE Sensex AB S&P BSE Sensex (Inception date 27-Apr-2000) (First Installment date 01-May-2000) Top 10 Holdings Equity Issuer Name Max Financial Services Ltd. Yes Bank Ltd. Maruti Suzuki India Ltd. Power Grid Corporation Of India Ltd. Gail ( India ) Ltd. Future Retail Ltd. Finolex Cables Ltd. Heritage Foods Ltd. ITC Ltd. Dalmia Bharat Ltd. Total % to V 60.81 8.16 % to V 69.51 8.70 0.53 0.24 Market Capitalisation wise Exposure Large Cap 58.11% Mid Cap 41.89% Small Cap 0.00% "Market Capitalisation includes only domestic listed Equity exposure in BSE. Large Cap Companies are top 125 stocks by market capitalisation on S&P BSE 500 Index and Mid Cap stocks are those between 126 to 499 stocks by market capitalisation and 500 & above being classified as Small cap. For calculation purpose, the previous month market capitalisation data have been used. All the figures has been rebased to 100 (Based on internal calculation). 7.25 5.35 4.98 0.69 0.37 0.24 0.23 0.23 0.38 0.38 0.90 0.36 0.33 0.23 0.16 0.08 0.46 0.39 0.25 0.25 0.19 0.17 0.51 0.42 0.20 0.33 0.19 % to V Derivative -60.98-8.20-7.29-5.32 Repo Cash / Net Current Liabilities 10.37 106.64-6.64 100.00 7 Year 10 Year 124,736 7.45% 126,740 10.65% 130,879 17.36% % to V 0.90 0.69 0.53 0.51 0.46 0.42 0.39 0.38 0.38 0.37 5.03 % to V % to V Derivative Castrol India Ltd. - Futures TV18 Broadcast Ltd. TV18 Broadcast Ltd. - Futures JSW Steel Ltd. JSW Steel Ltd. - Futures BEML Ltd. BEML Ltd. - Futures Power Grid Corporation Of India Ltd. Power Grid Corporation Of India Ltd. - Futures Motors - DVR Motors - DVR - Futures Reliance Infrastructure Ltd. Reliance Infrastructure Ltd. - Futures Global Beverages Ltd. Global Beverages Ltd. - Futures Reliance Capital Ltd. Reliance Capital Ltd. - Futures ITC Ltd. ITC Ltd. - Futures NBCC India Ltd. NBCC India Ltd. - Futures IDFC Ltd. IDFC Ltd. - Futures Mahindra & Mahindra Ltd. Mahindra & Mahindra Ltd. - Futures Granules India Ltd. Granules India Ltd. - Futures Muthoot Finance Ltd. Muthoot Finance Ltd. - Futures Infosys Ltd. Infosys Ltd. - Futures Zee Entertainment Enterprises Ltd. Zee Entertainment Enterprises Ltd. - Futures 4.28 2.85 2.68 2.50 2.46 2.42 2.39 2.34 2.05 2.01 1.93 1.82 1.80 1.58 1.08 0.88-5.01-4.30-2.87-2.69-2.51-2.48-2.43-2.36-2.35-2.06-2.02-1.92-1.81-1.81-1.58-1.08-0.88 Name of the Instrument Ratings % to V Debt Instruments Non-Convertible Debentures/Bonds 09.75 % Reliance Utilities And Power Private Ltd. 09.02 % Rural Electrification Corp. Ltd. 08.45 % Reliance Ports & Terminals Ltd. 08.49 % Nhpc Ltd. 08.32 % Reliance Jio Infocomm Ltd. 09.11 % Power Finance Corporation 09.40 % Rural Electrification Corp. Ltd. 09.04 % Rural Electrification Corp. Ltd. Margin Deposits HDFC Bank Ltd. Cash (Placed as Margin Money ) 400,994 7.15% 410,135 8.67% 408,162 8.34% 723,012 7.40% 766,596 9.75% 784,382 10.67% 840,000 1,091,859 7.38% 1,178,049 9.51% 1,197,130 9.96% 1,200,000 1,711,460 6.91% 1,930,719 9.20% 1,971,438 9.60% 13.02 3.01 2.85 2.84 2.24 0.85 0.55 0.39 0.29 13.74 3.27 10.47 2,060,000 3,877,624 6.93% 5,172,675 Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark Source MFI Explorer 9.89% 7,427,739 13.50% Industry Allocation Finance 2.04% Auto 0.77% Consumer Non Durables 0.77% Banks 0.69% Industrial Products 0.64% Retailing 0.62% Cement 0.61% Power 0.51% Gas 0.46% Textile Products 0.33% Media & Entertainment 0.25% Chemicals 0.23% Construction Project 0.23% Transportation 0.19% Paper 0.19% Petroleum Products 0.17% 0.00% % 2.00% 3.00% V Movement 130 Saving Equity Fund - Reg - Mthly Dividend Nifty 50 Index (35%),Crisil Liquid Fund Index (30%), Crisil 120 110 100 90 Jul-15 Mar-16 Nov-16 Jun-17 21
Dynamic Bond Fund (An Open-Ended Debt Scheme) [ICRA]AAAmfs rating by ICRA$ Aims to create a liquid portfolio of good quality debt as well as Money Market Instruments so as to provide reasonable returns and liquidity. To provide reasonable returns and high level of liquidity by investing in debt instruments including bonds, debentures and Government securities; and money market instruments such as treasury bills, commercial papers, certificates of deposit, including repos in permitted securities of different maturities, as permitted by regulation so as to spread the risk across different kinds of issuers in the debt markets. September 03,2003 FUND MAGER Akhil Mittal (Managing Since 26-Jun-14 and overall experience of 1s) I-Sec Composite Index V - Growth - Dividend Reg - Growth Reg - Dividend 27.4437 16.2669 26.2397 15.1316 1152.97 ( in Cr.) 1149.89 ( in Cr.) 0.60 1.63 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. Modified Duration Average Maturity 6.57 Years 11.0s Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets 3.80 1.03 0.91 0.30-0.18 MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. 3.50 0.48 6.92% 6.96% ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer Pg 49 Entry Load Not Applicable Exit Load 0.50% of V if redeemed on or before expiry of 180 days from the date of allotment. Name of the Instrument Debt Instruments Government Securities GOI - 6.79% (15/05/2027) GOI - 6.57% (05/12/2033) GOI - 7.73% (19/12/2034) GOI - 7.35% (22/06/2024) GOI - 8.17% (01/12/2044) GOI - 6.62% (28/11/2051) GOI - 7.88% (19/03/2030) GOI - 7.72% (26/10/2055) Non-Convertible Debentures/Bonds 07.49 % Indian Railways Finance Corporation Ltd. 07.30 % Power Grid Corporation Of India Ltd. 09.25 % Reliance Jio Infocomm Ltd. 07.60 % Bajaj Finance Ltd. 08.45 % Power Finance Corporation 08.18 % EXIM Ratings Lakhs 64096.99 20399.70 13644.28 10690.16 8790.46 5567.56 4681.52 213.90 109.41 35604.30 10055.27 9947.84 6973.09 5000.79 2579.71 1047.60 % to V 55.59 17.69 11.83 9.27 7.62 4.83 4.06 0.19 0.09 30.88 8.72 8.63 6.05 4.34 2.24 0.91 Name of the Instrument CBLO Repo Net Current Liabilities Ratings Lakhs 23987.78 409.19 124098.26-8801.14 115297.12 % to V 20.81 0.35 107.63-7.63 100.00 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B I-Sec Composite Index B I-Sec Composite Index Total Value of AB Crisil 10 Yr Gilt Index AB Crisil 10 Yr Gilt Index 126,110 9.64% 125,420 8.54% 125,197 8.19% 417,590 9.90% 420,853 10.43% 420,295 10.34% 775,068 10.19% 777,826 10.34% 761,409 9.48% 840,000 1,195,611 9.93% 1,199,181 10.01% 1,145,911 8.73% 1,200,000 1,896,799 8.86% 1,947,467 9.36% 1,792,857 7.79% 1,650,000 2,969,167 8.12% 3,121,118 8.78% 2,768,264 7.18% (Inception date 03-Sep-2003) (First Installment date 01-Oct-2003) Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer Composition by Ratings 13.53% 55.59% Maturity Ladder 30.88% A1+ / AAA Cash & Cash Equivalents Instrument Wise Composition 13.53% 55.59% V Movement 30.88% NCD - Non Convertible Deb Government Securities Cash & Cash Equivalents Cash & Others -7.63% Abv 10 Yrs 30.28% 7-10 Yrs 35.95% 3-7 Yrs 15.91% 1-3 Yrs 4.34% 0-1 Yrs 21.16% -16.00% -2.00% 12.00% 26.00% 40.00% 140 Dynamic Bond Fund - Reg - Growth I-Sec Composite Index 132 124 116 108 100 Jun-14 Jun-15 Jun-16 Jun-17 22
Medium Term Fund (An Open-Ended Debt Scheme) (Erstwhile known as Income Plus Fund; renamed w.e.f March 17, 2017) Modified Duration Average Maturity The aim of the Fund Manager is to identify and allocate the assets of the scheme between various fixed income securities with the objective of generate reasonable returns at moderate risk. The security will be identified based on various parameters such as issuer's credit rating history, financial track record of the issuer, corporate governance track record of the issuer, liquidity of the security, maturity of the security, interest rate scenario etc. Depending upon prevailing market conditions & interest rate scenario, the portfolio duration and average maturity can be increased or decreased within the range of three to seven years. In case of a rising interest rate environment the duration/average maturity of the fund may be reduced whereas in a falling interest rate scenario the holding in medium/long securities may be maximized. The investment objective of the scheme is to generate income & capital appreciation through a portfolio constituted of medium term debt instruments & money market instruments. However, there can be no assurance that the investment objective of the scheme will be realized. November 11,2002 FUND MAGER Murthy Nagarajan (Managing Since 1-Apr-17 and overall experience of 2s) Crisil Composite Bond Fund Index V - Growth - Bonus Reg - Growth Reg - Dividend 96.83 ( in Cr.) 3.32 0.91 0.23-0.18 MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load 27.4615 13.8018 26.1954 13.1837 96.85 ( in Cr.) 0.92 1.77 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets 3.11 0.42 3.37 Years 4.7s ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer Pg 49 1% of V if redeemed on or before expiry of 365 days from the date of allotment. 7.09% 7.20% Name of the Instrument Ratings Lakhs Debt Instruments Government Securities GOI - 7.59% (20/03/2029) GOI - 7.35% (22/06/2024) GOI - 6.57% (05/12/2033) Non-Convertible Debentures/Bonds 09.00 % Aditya Birla Nuvo Ltd. 08.35 % Petronet LNG Ltd. 09.25 % Reliance Jio Infocomm Ltd. 08.30 % Rural Electrification Corp. Ltd. 08.70 % Power Finance Corporation 08.45 % Reliance Ports & Terminals Ltd. 09.20 % HDFC Ltd. 09.39 % Rural Electrification Corp. Ltd. Privately Placed/Unlisted 08.22 % Daimler Financial Services India Private Ltd. 2044.02 1046.21 514.06 483.75 5081.75 1055.02 1008.72 536.39 524.30 517.92 516.90 505.70 416.80 904.01 904.01 % to V 21.11 10.80 5.31 5.00 52.48 10.90 10.42 5.54 5.41 5.35 5.34 5.22 4.30 9.34 9.34 Name of the Instrument Repo Cash / Net Current Asset Ratings Lakhs 1506.28 9536.06 147.21 9683.27 % to V 15.56 98.48 1.52 100.00 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B Crisil Composite Bond Fund Index B Crisil Composite Bond Fund Index Total Value of AB Crisil 10 Yr Gilt Index AB Crisil 10 Yr Gilt Index 125,177 8.15% 125,737 9.05% 125,197 8.19% 411,705 8.93% 420,729 10.41% 420,295 10.34% 753,361 9.05% 775,183 10.20% 761,409 9.48% 840,000 1,154,105 8.93% 1,185,550 9.69% 1,145,911 8.73% 1,200,000 1,836,430 8.25% 1,899,026 8.89% 1,792,857 7.79% 1,740,000 3,073,445 7.45% 3,188,245 7.91% 2,977,903 7.05% (Inception date 11-Nov-2002) (First Installment date 01-Jan-2003) Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer Composition by Ratings 17.08% 21.11% Maturity Ladder Cash & Others Abv 10 Yrs 7-10 Yrs 3-7 Yrs 1-3 Yrs 0-1 Yrs 21.31% 1.52% 5.41% CRISIL- AA+ ICRA- AA+ 40.50% 15.80% IND AAA 18.99% A1+ / AAA AA+ / AA Cash & Cash Equivalents 27.08% 31.20% 0.00% 10.00% 20.00% 30.00% 40.00% Instrument Wise Composition 21.11% 17.07% V Movement 140 132 124 116 108 61.82% Medium Term Fund - Reg - Growth Crisil Composite Bond Fund Index NCD - Non Convertible Deb Government Securities Cash & Cash Equivalents 100 Jun-14 Jun-15 Jun-16 Jun-17 23
Long Term Debt Fund (Erstwhile known as Income Fund; renamed w.e.f December 1, 2016) (An Open-Ended Debt Scheme) [ICRA]AAAmfs rating by ICRA$ An income scheme with exposure to rated debt instruments with medium to long term maturity. To provide income distribution and / or medium to long term capital gains while at all times emphasising the importance of safety and capital appreciation. April 28, 1997 FUND MAGER Akhil Mittal (Managing Since 26-Jun-14 and overall experience of 1s) Crisil Composite Bond Fund Index V - Growth - Half Yearly Dividend - Quarterly Dividend - Bonus Reg - Growth Reg - Half Yearly Dividend Reg - Quarterly Dividend Reg- Periodic Dividend Reg - Bonus Dir- Periodic Dividend 184.08 ( in Cr.) 184.16 ( in Cr.) 53.6248 13.9729 11.9662 16.5307 51.9954 13.5006 11.7151 30.1443 15.9042 30.5338 Modified Duration Average Maturity 3.68 1.13 0.92 0.25-0.19 Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT Half Yearly Dividend Plan, Periodic Dividend Plan, rowth Plan, Bonus Plan 5,000/- and in multiples of Re. 1/- thereafter. Quarterly Dividend Plan 10,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load 1% if redeemed before expiry of 365 days from the date of allotment(w.e.f. 1st July, 2014) 3.11 0.42 5.52 Years 10.37 Years ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer Pg 49 0.90 1.96 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. 6.87% 7.11% Name of the Instrument Debt Instruments Government Securities GOI - 6.57% (05/12/2033) GOI - 6.62% (28/11/2051) GOI - 8.17% (01/12/2044) GOI - 7.35% (22/06/2024) SDL Tamilnadu 8.56% (23/01/2023) SDL Gujarat 8.15% (26/11/2025) SDL Karnataka 8.05% (25/02/2025) GOI - 7.88% (19/03/2030) GOI - 6.79% (26/12/2029) Non-Convertible Debentures/Bonds 08.45 % Reliance Ports & Terminals Ltd. 07.83 % Indian Railways Finance Corporation Ltd. 09.84 % IOT Utkal Energy Services Ltd. 09.25 % Reliance Jio Infocomm Ltd. 08.90 % Reliance Jio Infocomm Ltd. 07.30 % Power Grid Corporation Of India Ltd. Privately Placed/unlisted 08.22 % Daimler Financial Services India Private Ltd. Ratings (so) CARE- AAA IND AAA Lakhs 7972.01 2902.50 1872.61 1113.51 1028.12 527.42 443.90 50.90 28.45 4.60 4838.32 1550.70 1029.39 707.50 536.39 516.95 497.39 1607.12 1607.12 % to V 43.31 15.77 10.17 6.05 5.59 2.87 2.41 0.28 0.15 0.03 26.28 8.42 5.59 3.84 2.91 2.81 2.70 8.73 8.73 Name of the Instrument Repo Cash / Net Current Asset Ratings Lakhs 3381.03 17798.51 609.11 18407.62 % to V 18.37 96.69 3.31 100.00 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B Crisil Composite Bond Fund Index B Crisil Composite Bond Fund Index Total Value of AB Crisil 10 Yr Gilt Index AB Crisil 10 Yr Gilt Index 125,797 9.14% 125,737 9.05% 125,197 8.19% 415,160 9.50% 420,729 10.41% 420,295 10.34% 761,976 9.51% 775,183 10.20% 761,409 9.48% 840,000 1,172,180 9.37% 1,185,550 9.69% 1,145,911 8.73% 1,200,000 1,845,333 8.34% 1,899,026 8.89% 1,792,857 7.79% 2,390,000 5,454,294 7.65% 5,063,468 7.00% 5,011,523 6.91% (Inception date 28-Apr-1997) (First Installment date 01-Aug-1997) Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer Composition by Ratings 21.67% 43.31% Maturity Ladder Cash & Others Abv 10 Yrs 7-10 Yrs 3-7 Yrs 1-3 Yrs 0-1 Yrs 3.31% 35.02% A1+ / AAA 10.98% 20.66% 14.13% 18.75% Cash & Cash Equivalents 32.17% 0.00% 10.00% 20.00% 30.00% 40.00% Instrument Wise Composition 5.55% 21.67% NCD - Non Convertible Deb 37.76% V Movement 140 132 124 116 108 35.02% Government Securities State Development Loans Cash & Cash Equivalents Long Term Debt Fund - Reg - Growth Crisil Composite Bond Fund Index 100 Jun-14 Jun-15 Jun-16 Jun-17 24
Short Term Bond Fund (An Open-Ended Debt Scheme) [ICRA]AAAmfs rating by ICRA$ A debt scheme that invests in short term debt instruments having high level of liquidity. To create a liquid portfolio of debt as well as Money Market Instruments so as to provide reasonable returns and liquidity to the Unitholders. August 8, 2002 FUND MAGER Murthy Nagarajan (Managing Since 1-Apr-17 and overall experience of 2s) Crisil Short Term Bond Fund Index V - Growth - Dividend Reg - Growth Reg - Dividend 6670.40 ( in Cr.) 6681.58 ( in Cr.) 1.22 1.07 0.92 0.17-0.08 MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load NIL (w.e.f. 7th July, 2017) 32.1419 15.4625 31.1430 14.9701 1.08 0.25 Modified Duration Average Maturity 2.1s 2.77 Years Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer Pg 49 0.25 1.08 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. 6.96% 7.13% Name of the Instrument Debt Instruments Government Securities SDL Punjab 7.07% (28/12/2020) GOI - 7.73% (19/12/2034) GOI - 6.57% (05/12/2033) SDL Andhra Pradesh 8.39% (24/11/2020) SDL Punjab 6.90% (11/01/2021) SDL Rajasthan Uday 8.15% (23/06/2021) SDL Kerala 8.85% (18/07/2022) GOI - 7.59% (20/03/2029) SDL Punjab 6.99% (13/10/2020) GOI - 6.79% (15/05/2027) GOI - 8.08% (02/08/2022) GOI - 6.79% (26/12/2029) GOI - 7.16% (20/05/2023) SDL Maharashtra 8.90% (19/12/2022) SDL Punjab 8.34% (06/10/2020) GOI - 7.35% (22/06/2024) GOI - 8.60% (02/06/2028) GOI - 8.20% (15/02/2022) GOI - 6.84% (19/12/2022) SDL Rajasthan Uday 8.39% (15/03/2018) GOI - 7.68% (15/12/2023) GOI - 8.27% (09/06/2020) Non-Convertible Debentures/Bonds/ZCB 07.20 % Indian Railways Finance Corporation Ltd. 07.49 % Indian Railways Finance Corporation Ltd. 07.50 % Power Finance Corporation 08.60 % HDFC Ltd. 08.45 % Reliance Ports & Terminals Ltd. 08.55 % Reliance Jio Infocomm Ltd. 07.70 % Kotak Mahindra Prime Ltd. 08.39 % HDFC Ltd. HDB Financial Services Ltd. - Zcb 08.70 % LIC Housing Finance Ltd. 08.10 % Reliance Jio Infocomm Ltd. 08.90 % Reliance Jio Infocomm Ltd. 09.25 % Reliance Jio Infocomm Ltd. 09.29 % HDB Financial Services Ltd. 08.38 % HDFC Ltd. 08.57 % HDFC Ltd. 07.85 % Power Finance Corporation 07.70 % Kotak Mahindra Prime Ltd. 07.65 % Kotak Mahindra Investments Ltd. 07.60 % Bajaj Finance Ltd. 08.35 % Nabha Power Ltd. 06.88 % Rural Electrification Corp. Ltd. 08.36 % Rural Electrification Corp. Ltd. 08.39 % Power Finance Corporation 09.15 % Ultratech Cement Ltd. 08.36 % Power Finance Corporation 08.35 % LIC Housing Finance Ltd. 08.58 % Hdb Financial Services Ltd. 08.28 % LIC Housing Finance Ltd. 07.90 % Nabard 08.17 % Power Finance Corporation 07.81 % LIC Housing Finance Ltd. 07.42 % Rural Electrification Corp. Ltd. 07.47 % Power Finance Corporation Ratings CARE- AAA CARE- AAA ICRA- AAA(so) Lakhs 90883.38 12520.86 11224.67 9675.01 7806.21 5963.87 5662.97 4270.50 4184.86 4160.69 3529.66 3173.54 3066.30 3056.15 2687.45 2594.71 2570.31 2235.09 1587.83 505.31 272.91 71.69 62.79 425470.27 24100.44 20110.54 16610.67 16268.13 15506.96 15214.68 15048.12 13704.66 12995.81 12698.20 12654.54 11889.75 10191.44 10132.64 10126.57 10122.78 10097.86 10025.05 10020.25 10001.57 7595.54 7490.65 7230.55 6574.95 6521.51 6154.48 5086.23 5082.64 5069.90 5057.86 5056.05 5055.58 5034.05 5016.69 % to V 13.62 1.88 1.68 1.45 1.17 0.89 0.85 0.64 0.63 0.62 0.53 0.48 0.46 0.46 0.40 0.39 0.39 0.34 0.24 0.08 0.04 0.01 0.01 63.78 3.61 3.01 2.49 2.44 2.32 2.28 2.26 2.05 1.95 1.90 1.90 1.78 1.53 1.52 1.52 1.52 1.51 1.50 1.50 1.50 1.14 1.12 1.08 0.99 0.98 0.92 0.76 0.76 0.76 0.76 0.76 0.76 0.75 0.75 Name of the Instrument Ratings Lakhs 07.80 % Kotak Mahindra Investments Ltd. 07.51 % LIC Housing Finance Ltd. 07.59 % LIC Housing Finance Ltd. 09.04 % Rural Electrification Corp. Ltd. 08.32 % Reliance Jio Infocomm Ltd. 08.38 % LIC Housing Finance Ltd. 08.50 % Power Finance Corporation 09.76 % LIC Housing Finance Ltd. 09.65 % LIC Housing Finance Ltd. 09.50 % IDFC Bank Ltd. 08.30 % Nabha Power Ltd. 08.81 % HDB Financial Services Ltd. 07.96 % LIC Housing Finance Ltd. 08.34 % LIC Housing Finance Ltd. 08.30 % LIC Housing Finance Ltd. 08.34 % IDFC Bank Ltd. 07.65 % HDFC Ltd. 08.10 % Orix Leasing & Financial Services India Ltd. 07.80 % Nabard 07.40 % Power Finance Corporation 07.00 % Indian Railways Finance Corporation Ltd. 09.84 % IOT Utkal Energy Services Ltd. 09.35 % LIC Housing Finance Ltd. 08.45 % HDFC Ltd. 08.15 % Power Grid Corporation Of India Ltd. 07.15 % Indian Railways Finance Corporation Ltd. 08.40 % Power Finance Corporation 08.18 % LIC Housing Finance Ltd. 09.85 % Rural Electrification Corp. Ltd. 09.11 % Power Finance Corporation Privately Placed/Unlisted 08.35 % Daimler Financial Services India Private Ltd. 08.22 % Daimler Financial Services India Private Ltd. 08.05 % Daimler Financial Services India Private Ltd. 07.54 % Gruh Finance Ltd. Money Market Instruments ICICI Bank Ltd. - CD Axis Bank Ltd. - CD IL&FS Financial Ser Ltd. - CP Axis Bank Ltd. - CD IDFC Bank Ltd. - CD Barclays Investments & Loans (india) Ltd. - CP Axis Bank Ltd. - CD HDFC Ltd. - CP ICICI Bank Ltd. - CD IL&FS Financial Ser Ltd. - CP CBLO Repo Cash / Net Current Asset ICRA- AAA ICRA- AAA(so) ICRA- AAA FITCH AAA (so) IND AAA IND AAA IND AAA 5016.51 5013.26 5010.62 4674.40 3598.12 3549.97 3520.59 2587.85 2585.89 2582.82 2540.47 2533.73 2526.46 2523.07 2522.64 2520.38 2508.57 2504.99 2504.37 2502.54 2502.00 2132.78 2070.99 2038.09 1536.45 1002.49 506.12 505.22 201.51 100.03 26117.80 11066.85 5022.27 5016.49 5012.19 75628.46 29192.43 9737.34 9677.58 7266.59 4978.32 4932.36 2498.25 2462.75 2461.54 2421.30 40979.22 1121.09 660200.22 6839.61 667039.83 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B Crisil Short Term Bond Fund Index B Crisil Short Term Bond Fund Index Total Value of AB Crisil 1 Yr T-Bill Index AB Crisil 1 Yr T-Bill Index (Inception date 08-Aug-2002) (First Installment date 01-Sep-2002) 124,715 7.42% 124,991 7.86% 123,799 5.96% 407,892 8.30% 410,908 8.80% 400,467 7.06% 747,810 8.75% 753,250 9.04% 721,218 7.30% 840,000 1,152,230 8.89% 1,156,193 8.99% 1,088,971 7.31% 1,200,000 1,870,639 8.60% 1,867,807 8.57% 1,705,844 6.84% 1,780,000 3,424,105 8.32% 3,326,653 7.97% 2,924,240 6.38% Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer Composition by Ratings Instrument Wise Composition 7.34% 7.33% 6.89% NCD - Non Convertible Deb 13.62% A1+ / AAA Government Securities 8.42% Zero Coupon Bonds 2.92% 1.95% Commercial Papers Certificate Of Deposit 6.74% Cash & Cash Equivalents 65.75% State Development Loans 79.04% Cash & Cash Equivalents % to V 0.75 0.75 0.75 0.70 0.54 0.53 0.53 0.39 0.39 0.39 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.32 0.31 0.31 0.23 0.15 0.08 0.08 0.03 0.01 3.92 1.66 0.75 0.75 0.75 11.34 4.38 1.46 1.45 1.09 0.75 0.74 0.37 0.37 0.37 0.36 6.14 0.17 98.97 1.03 100.00 Maturity Ladder Cash & Others 1.03% Abv 10 Yrs 4.56% 7-10 Yrs 3.54% 3-7 Yrs 18.41% 1-3 Yrs 41.49% 0-1 Yrs 30.97% 0.00% 10.00% 20.00% 30.00% 40.00% 50.00% V Movement 140 132 124 116 108 100 Short Term Bond Fund - Reg - Growth Crisil Short Term Bond Fund Index Jun-14 Jun-15 Jun-16 Jun-17 25
Corporate Bond Fund (An Open-Ended Debt Scheme) (Erstwhile known as Treasury Manager Fund; renamed w.e.f March 17, 2017) The Scheme endeavors to generate returns and capital appreciation by predominantly investing in corporate debt securities of varying maturities across the credit spectrum. The Scheme will seek opportunities across the credit curve and will endeavor to take benefit from superior yield available from time to time. The investment objective of the scheme is to generate returns over short to medium term by investing predominantly in corporate debt instruments. However, there is no guarantee or assurance that the investment objective of the scheme will be achieved. The scheme doesn't assure or guarantee any returns. July 13,2007 FUND MAGER Amit Somani (Managing Since 21-May-14 and overall experience of 16 years) Crisil Short Term Bond Fund Index V - Growth - Monthly Dividend - Weekly Dividend - Daily Dividend Reg - Growth Reg - Monthly Dividend Reg - Weekly Dividend Reg - Daily Dividend 507.75 ( in Cr.) 500.78 ( in Cr.) Modified Duration Average Maturity ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer Pg 49 MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable 0.57 0.41 0.62 0.32 0.03 2245.4844 1001.6837 1011.9050 1008.5144 2179.5743 1001.7330 1010.9469 1008.4750 0.30 0.90 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. 1.08 0.25 1.1s 1.38 Years Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets 7.17% 7.29% Name of the Instrument Ratings % to Name of the Instrument Ratings Lakhs V Debt Instruments Non-Convertible Debentures/Bonds 08.15 % Piramal Enterprises Ltd. 08.28 % Power Finance Corporation 08.29 % BARD 08.32 % Nabha Power Ltd. 08.54 % IL&FS Financial Ser Ltd. 08.84 % Power Grid Corporation Of India Ltd. 07.84 % Trent Ltd. 07.27 % National Highways Authority Of India 07.45 % HDFC Ltd. 07.70 % Power Company Ltd. 08.54 % J.M. Financial Products Ltd. 06.88 % Rural Electrification Corp. Ltd. 09.00 % Capital Financial Services Ltd. 08.00 % L&T Infra Debt Fund Ltd. 07.15 % Indian Railways Finance Corporation Ltd. Privately Placed/Unlisted 08.35 % Daimler Financial Services India Private Ltd. 08.05 % Daimler Financial Services India Private Ltd. Repo Cash / Net Current Asset Lakhs 3107.54 49938.83 836.37 50775.20 % to V 19.01 4.86 4.77 4.69 4.69 6.12 98.35 1.65 100.00 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B Crisil Short Term Bond Fund Index B Crisil Short Term Bond Fund Index Total Value of AB Crisil 1 Yr T-Bill Index AB Crisil 1 Yr T-Bill Index 124,414 6.94% 124,991 7.86% 123,799 5.96% (Inception date 13-Jul-2007) (First Installment date 01-Aug-2007) Composition by Ratings 7.77% 4.93% ICRA- AA ICRA- AAA(so) CARE- AAA CARE- AA+ CRISIL- AA- CRISIL- AA CRISIL- AA+ IND AAA IND AAA 34664.13 3999.90 2531.94 2530.33 2527.66 2517.29 2513.93 2508.91 2506.66 2506.03 2500.83 2500.34 2496.88 1522.50 999.68 501.25 2512.42 1509.12 1003.30 68.27 7.88 4.99 4.98 4.98 4.96 4.95 4.94 4.94 4.94 4.93 4.92 4.92 3.00 1.97 0.99 4.95 2.97 1.98 404,370 7.71% 410,918 8.80% 400,474 7.06% Money Market Instruments HDFC Bank Ltd. - CD Piramal Finance Ltd. - CP Indus Towers Ltd. - CP Indiabulls Housing Finance Ltd. - CP 735,575 8.09% 753,264 9.05% 721,238 7.30% Instrument Wise Composition 840,000 1,129,202 8.32% 1,156,207 8.99% 1,088,990 7.31% CARE- A1+ 9654.74 2469.22 2421.70 2383.80 2380.02 1,190,000 1,808,171 8.18% 1,845,717 8.58% 1,687,281 6.85% Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer 20.74% 66.56% A1+ / AAA AA+ / AA AA- Cash & Cash Equivalents 14.15% 4.86% 7.77% NCD - Non Convertible Deb 73.22% Commercial Papers Certificate Of Deposit Cash & Cash Equivalents Exit Load Nil Maturity Ladder V Movement Cash & Others Abv 5 Yrs 3-5 Yrs 2-3 Yrs 1-2 Yrs 6-12 Mths 3-6 Mths 1-3 Mths 0-1 Mths 1.65% 0% 6.91% 9.90% 9.72% 9.79% 6.12% 19.30% 36.62% 0.00% 10.00% 20.00% 30.00% 40.00% 140 132 124 116 108 Corporate Bond Fund - Reg - Growth Crisil Short Term Bond Fund Index 100 Jun-14 Jun-15 Jun-16 Jun-17 26
Ultra Short Term Fund (An Open-Ended Debt Scheme) (Erstwhile known as Floater Fund; renamed w.e.f March 17, 2017) [ICRA]AAAmfs rating by ICRA$ The Scheme will invest in various money market and fixed income securities with objective of providing liquidity and generating reasonable returns with lower interest rate risk. The average maturity of the portfolio shall be between three months to one year. The investment objective of the scheme is to generate regular income & capital appreciation by investing in a portfolio of debt & money market instruments with relatively lower interest rate risk. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns. September 06,2005 FUND MAGER Akhil Mittal (Managing Since 26-Jun-14 and overall experience of 1s) Crisil Liquid Fund Index V - Growth - Dividend - Weekly Div - Daily Dividend Reg - Growth Reg - Dividend Reg - Weekly Div Reg - Daily Dividend 4479.10 ( in Cr.) 2526.5813 1602.7364 1008.3960 1003.5316 2508.6150 1591.6348 1008.3795 1003.5288 5146.11 ( in Cr.) 0.15 0.35 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. Name of the Instrument Debt Instruments Non-Convertible Debentures/Bonds 09.00 % Capital Financial Services Ltd. 08.65 % Indiabulls Housing Finance Ltd. 07.70 % Power Company Ltd. 07.65 % HDFC Ltd. 06.88 % Rural Electrification Corp. Ltd. 06.90 % Power Finance Corporation 07.56 % LIC Housing Finance Ltd. 07.50 % HDFC Ltd. 09.20 % Motors Finance Ltd. 08.10 % Reliance Jio Infocomm Ltd. 07.88 % Power Finance Corporation 09.35 % Piramal Enterprises Ltd. 09.25 % Piramal Enterprises Ltd. 08.91 % Power Finance Corporation 08.55 % Reliance Jio Infocomm Ltd. 09.25 % Motors Finance Ltd. 08.62 % Capital Housing Finance Ltd. 07.51 % LIC Housing Finance Ltd. 07.51 % LIC Housing Finance Ltd. 07.85 % Shriram Trans. Fin. Co. Ltd. 08.10 % Orix Leasing & Financial Services India Ltd. 07.00 % Indian Railways Finance Corporation Ltd. 08.15 % Piramal Enterprises Ltd. 08.00 % L&T Infra Debt Fund Ltd. 08.65 % Rural Electrification Corp. Ltd. 09.05 % HDFC Ltd. 08.90 % Reliance Jio Infocomm Ltd. 08.59 % HDFC Ltd. 08.40 % Reliance Jio Infocomm Ltd. 08.38 % LIC Housing Finance Ltd. 08.30 % LIC Housing Finance Ltd. 09.25 % Rural Electrification Corp. Ltd. 07.15 % Indian Railways Finance Corporation Ltd. 09.11 % Power Finance Corporation 09.18 % Steel Authority Of India Ltd. 09.28 % Power Finance Corporation 08.90 % Power Finance Corporation 09.32 % Power Company Ltd. 09.06 % Rural Electrification Corp. Ltd. 09.30 % Power Finance Corporation Privately Placed/Unlisted 08.05 % Vodafone Mobile Services Ltd. Ratings CRISIL- AA+ CRISIL- AA+ CRISIL- AA- CRISIL- AA ICRA- AA ICRA- AA CRISIL- AA CRISIL- AA+ ICRA- AA FITCH AAA ICRA- AA CARE- AAA CARE- AA CRISIL- AA- CRISIL- AA Lakhs 238308.75 18777.50 18093.81 17505.78 15051.42 12484.41 12479.25 10036.20 10021.90 7595.81 7592.72 7518.51 7508.29 6555.20 6030.65 5071.56 5054.56 5049.92 5013.26 5011.94 5010.11 5009.99 5004.00 4999.88 3998.74 3575.66 3536.33 2584.73 2551.77 2536.91 2535.69 2522.64 2508.60 2506.23 2500.86 2005.16 1010.84 1005.39 201.42 200.94 50.17 11553.31 5036.17 % to V 53.20 4.19 4.04 3.91 3.36 2.79 2.79 2.24 2.24 1.70 1.70 1.68 1.68 1.46 1.35 1.13 1.13 1.13 1.12 1.12 1.12 1.12 1.12 1.12 0.89 0.80 0.79 0.58 0.57 0.57 0.57 0.56 0.56 0.56 0.56 0.45 0.23 0.22 0.04 0.04 0.01 2.58 1.12 Name of the Instrument 07.54 % Gruh Finance Ltd. 08.05 % Daimler Financial Services India Private Ltd. Money Market Instruments HDFC Bank Ltd. - CD IDFC Bank Ltd. - CD Axis Bank Ltd. - CD Indusind Bank Ltd. - CD ICICI Bank Ltd. - CD Power Finance Corporation - CP EXIM - CP Indiabulls Housing Finance Ltd. - CP Indus Towers Ltd. - CP J.M. Financial Products Ltd. - CP BARD - CP Power Finance Corporation - CP J.M. Financial Products Ltd. - CP Barclays Investments & Loans (india) Ltd. - CP ICICI Bank Ltd. - CD Axis Bank Ltd. - CD Axis Bank Ltd. - CD IL & FS Financial Ser Ltd. - CP J.M. Financial Products Ltd. - CP ICICI Bank Ltd. - CD Barclays Investments & Loans (india) Ltd. - CP Deutsche Investment India Pvt Ltd. - CP CBLO Repo Cash / Net Current Asset Ratings IND AAA CARE- A1+ Lakhs 5012.19 1504.95 180398.78 24811.50 14840.06 14606.01 9883.18 9730.81 9723.44 9555.01 9545.01 9535.21 9477.81 7411.04 7318.37 7258.03 4932.36 4928.98 4885.56 4844.39 4842.60 4831.08 2496.11 2472.13 2470.09 4397.76 1973.92 436632.52 11277.71 447910.23 % to V 1.12 0.34 40.28 5.54 3.31 3.26 2.21 2.17 2.17 2.13 2.13 2.13 2.12 1.65 1.63 1.62 1.10 1.10 1.09 1.08 1.08 1.08 0.56 0.55 0.55 0.98 0.44 97.48 2.52 100.00 MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable 0.46 0.44 0.16 0.03 0.29 0.13 Modified Duration 9.64 Months Average Maturity 10.78 Months Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets 6.85% 7.03% ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer Pg 49 SIP - If you had invested INR 10000 every month Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B Crisil Liquid Fund Index B Crisil Liquid Fund Index Total Value of AB Crisil 1 Yr T-Bill Index AB Crisil 1 Yr T-Bill Index (Inception date 06-Sep-2005) (First Installment date 01-Oct-2005) Composition by Ratings 3.95% 3.94% 7 Year 10 Year 840,000 1,200,000 1,410,000 124,756 407,003 743,424 1,145,727 1,861,162 2,360,830 7.48% 8.15% 8.52% 8.73% 8.50% 8.42% 124,300 402,639 733,087 1,121,760 1,798,432 2,262,299 6.76% 7.42% 7.96% 8.14% 7.85% 7.74% 123,799 400,474 721,238 1,088,990 1,705,865 2,116,726 5.96% 7.06% 7.30% 7.31% 6.84% 6.68% Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer 19.13% 72.98% A1+ / AAA AA+ / AA AA- Cash & Cash Equivalents Instrument Wise Composition 20.32% 19.95% 3.95% 55.78% NCD - Non Convertible Deb Commercial Papers Certificate Of Deposit Cash & Cash Equivalents Exit Load NIL Maturity Ladder V Movement Cash & Others Abv 5 Yrs 3-5 Yrs 2-3 Yrs 1-2 Yrs 6-12 Mths 3-6 Mths 1-3 Mths 0-1 Mths 2.52% 0% 0.89% 4.62% 35.60% 13.76% 17.40% 20.99% 4.21% 0.00% 10.00% 20.00% 30.00% 40.00% 130 124 118 112 106 Ultra Short Term Fund - Reg - Growth Crisil Liquid Fund Index 100 Jun-14 Jun-15 Jun-16 Jun-17 27
Money Market Fund (An Open-Ended Debt Scheme) [ICRA]A1+mfs rating by ICRA$ To create a highly liquid portfolio of money market instruments so as to provide reasonable returns and high liquidity to the unitholders. Amit Somani (Managing Since 16-Oct-13 and overall experience of 16 years) Crisil Liquid Fund Index A money market scheme (liquid fund category) that invests 100% of its net assets in Money market securities. September 01,2004 FUND MAGER V - Growth - Daily Dividend Reg - Growth Reg - Daily Dividend 6804.67 ( in Cr.) 8757.10 ( in Cr.) MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load Nil 0.25 0.77 0.82 0.16 0.03 2605.0283 1001.5187 2595.2992 1001.5157 0.09 0.14 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes Borrowing cost of 0.35 in regular plan and 0.33 in plan and also excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities 0.29 0.12 Modified Duration Average Maturity 1.60 Months 1.60 Months Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 6.59% 6.61% Name of the Instrument Debt Instruments Money Market Instruments HDFC Bank Ltd. - CD Indiabulls Housing Finance Ltd. - CP Piramal Enterprises Ltd. - CP Treasury Bill 182 Days (28/07/2017) Treasury Bill 91 Days (10/08/2017) Treasury Bill 91 Days (27/07/2017) PNB Housing Finance Ltd. - CP ICICI Bank Ltd. - CD Piramal Finance Ltd. - CP PNB Housing Finance Ltd. - CP Treasury Bill 91 Days (31/08/2017) IL&FS Ltd. - CP Treasury Bill 91 Days (13/07/2017) HDFC Ltd. - CP Edelweiss Commodities Services Ltd. - CP India Infoline Housing Finance Ltd. - CP India Infoline Finance Ltd. - CP HT Media Ltd. - CP Piramal Finance Ltd. - CP Treasury Bill 91 Days (17/08/2017) India Infoline Housing Finance Ltd. - CP ICICI Bank Ltd. - CD JM Financial Asset Reconstruction Company Ltd. - CP Treasury Bill 91 Days (21/09/2017) Deepak Fert.& Petrochem. Corp Ltd. - CP Axis Bank Ltd. - CD Andhra Bank - CD Axis Bank Ltd. - CD Fedbank Financial Services Ltd. - CP JM Financial Services Ltd. - CP HDFC Bank Ltd. - CD Deepak Fert.& Petrochem. Corp Ltd. - CP Ratings 625086.21 56792.00 46862.84 44843.59 36727.94 35117.71 34878.63 34603.77 34467.41 24899.18 24880.75 20483.54 19772.00 19388.90 17421.38 17396.42 14946.92 14926.74 14843.36 12452.10 12398.98 9988.61 9984.44 9953.31 9861.10 9837.74 4994.81 4991.36 4991.30 4990.42 4974.30 4930.74 4921.58 91.86 8.35 6.89 6.59 5.40 5.16 5.13 5.09 5.07 3.66 3.66 3.01 2.91 2.85 2.56 2.56 2.20 2.19 2.18 1.83 1.82 1.47 1.47 1.46 1.45 1.45 0.73 0.73 0.73 0.73 0.73 0.72 0.72 Repo Net Current Liabilities 659.71 710745.92-30279.27 680466.65 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B Crisil Liquid Fund Index B Crisil Liquid Fund Index Total Value of AB Crisil 1 Yr T-Bill Index AB Crisil 1 Yr T-Bill Index (Inception date 01-Sep-2004) (First Installment date 01-Oct-2004) Composition by Ratings CARE- A1+ CARE- A1+ CARE- A1+ % to Name of the Instrument Ratings Lakhs V 124,337 6.80% 124,308 6.75% 123,828 6.00% 403,307 7.52% 402,690 7.42% 400,562 7.06% Reliance Industries Ltd. - CP Treasury Bill 91 Days (14/09/2017) Fixed Deposit IDFC Bank Ltd. RBL Bank Ltd. Bandhan Bank 735,039 8.06% 733,196 7.96% 721,353 7.31% Instrument Wise Composition 840,000 1,131,757 8.38% 1,121,935 8.14% 1,089,176 7.31% 1,200,000 1,830,389 8.18% 1,798,740 7.85% 1,706,174 6.84% Lakhs 2477.34 85.00 85000.00 25000.00 20000.00 40000.00 % to V 0.36 0.01 12.49 3.67 2.94 5.88 0.10 104.45-4.45 100 1,530,000 2,621,557 8.07% 2,547,226 7.65% 2,367,650 6.58% Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer 24.83% 8.14% 67.03% A1+ / AAA Cash & Cash Equivalents 17.80% 8.14% 24.83% Treasury Bills Commercial Papers Certificate Of Deposit Cash & Cash Equivalents 49.23% Maturity Ladder - 3.00% Cash & Others 2-3 Mths 1-2 Mths Abv 15-30 Days Abv 7-15 Days 1-7 Days 6.52% 2.30% 15.78% 35.40% -6.00% 4.00% 14.00% 24.00% 34.00% 44.00% 43.00% V Movement 130 124 118 112 106 Money Market Fund - Reg - Growth Crisil Liquid Fund Index 100 Jun-14 Jun-15 Jun-16 Jun-17 28
Liquid Fund (An Open-Ended Liquid Scheme) A high liquidity income scheme that aims to generate reasonable returns. To create a highly liquid portfolio of good quality debt as well as money market instruments so as to provide reasonable returns and high liquidity to the unitholders. May 22, 2003 FUND MAGER Amit Somani (Managing Since 16-Oct-13 and overall experience of 16 years) Crisil Liquid Fund Index V - Growth - Monthly Dividend - Weekly Dividend - Daily Dividend Reg - Growth Reg - Monthly Dividend Reg - Weekly Dividend Reg - Daily Dividend 4497.62 ( in Cr.) 4829.86 ( in Cr.) 3048.4729 1000.3545 1001.2183 1114.5200 3038.2653 1000.3517 1001.2133 1114.5200 0.09 0.14 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes Borrowing cost of 0.17 in regular plan and 0.14 in plan and also excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities Modified Duration Average Maturity MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load Ni l 0.25 0.80 0.84 0.15 0.03 Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets 0.29 0.12 1.73 Months 1.73 Months ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 6.52% 6.52% [ICRA]A1+mfs rating by ICRA$ Name of the Instrument Ratings Lakhs Debt Instruments Non-Convertible Debentures/Bonds 09.35 % Piramal Enterprises Ltd. Money Market Instruments BARD - CP HDFC Ltd. - CP Indiabulls Housing Finance Ltd. - CP Treasury Bill 91 Days (28/09/2017) Reliance Industries Ltd. - CP HDFC Bank Ltd. - CD ICICI Bank Ltd. - CD Treasury Bill 91 Days (17/08/2017) Piramal Enterprises Ltd. - CP Treasury Bill 91 Days (31/08/2017) PNB Housing Finance Ltd. - CP Treasury Bill 182 Days (28/07/2017) Treasury Bill 91 Days (27/07/2017) Piramal Finance Ltd. - CP India Infoline Housing Finance Ltd. - CP IDFC Bank Ltd. - CD Edelweiss Commodities Services Ltd. - CP HT Media Ltd. - CP Abu Dhabi Commercial Bank Ltd. - CD India Infoline Ltd. - CP HDFC Bank Ltd. - CD Deepak Fert.& Petrochem. Corp Ltd. - CP HDFC Bank Ltd. - CD ICICI Bank Ltd. - CD ICRA- AA CARE- A1+ CARE- A1+ CARE- A1+ 1501.66 1501.66 399868.17 32208.94 29865.22 27131.12 25854.14 22296.10 19722.94 17233.70 16880.26 14945.13 14844.15 14830.19 12939.38 12543.01 12452.10 9964.61 9956.65 9940.81 9940.17 9910.14 9880.29 9876.87 9841.39 4970.38 4958.84 0.33 0.33 88.91 7.16 6.64 6.03 5.75 4.96 4.39 3.83 3.75 3.32 3.30 3.30 2.88 2.79 2.77 2.22 2.21 2.21 2.21 2.20 2.20 2.20 2.19 1.11 1.10 JM Financial Asset Reconstruction Company Ltd. - CP Firstrand Bank Ltd. - CD Trapti Trading & Investments Pvt Ltd. - CP Treasury Bill 91 Days (13/07/2017) Hindustan Media Ventures Ltd. - CP Aditya Birla Nuvo Ltd. - CP Fedbank Financial Services Ltd. - CP Axis Bank Ltd. - CD Treasury Bill 91 Days (10/08/2017) Treasury Bill 91 Days (20/07/2017) Treasury Bill 364 Days (03/08/2017) Treasury Bill 91 Days (21/09/2017) Treasury Bill 91 Days (14/09/2017) Cash Management Bill 77 Days (16/08/2017) Cash Management Bill 63 Days (08/08/2017) Cash Management Bill 80 Days (18/09/2017) Fixed Deposit IDFC Bank Ltd. RBL Bank Ltd. Repo Cash / Net Current Asset 4949.81 4924.30 4919.51 4790.22 3954.51 2495.22 2495.21 2483.02 2482.35 1521.98 497.19 426.69 379.21 348.66 136.61 77.15 40000.00 20000.00 20000.00 334.03 441703.86 8057.74 449761.60 0.07 98.2 1.80 100.00 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B Crisil Liquid Fund Index B Crisil Liquid Fund Index Total Value of AB Crisil 1 Yr T-Bill Index AB Crisil 1 Yr T-Bill Index 124,299 6.74% 124,308 6.75% 123,828 6.00% 402,978 7.47% 402,690 7.42% 400,562 7.06% 733,732 7.99% 733,196 7.96% 721,353 7.31% 840,000 1,128,581 8.30% 1,121,935 8.14% 1,089,176 7.31% 1,200,000 1,824,903 8.13% 1,798,740 7.85% 1,706,174 6.84% 1,690,000 3,032,889 7.88% 2,945,152 7.50% 2,716,961 6.45% (Inception date 22-May-2003) (First Installment date 01-Jun-2003) Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer Composition by Ratings 20.84% 0.33% 10.76% 68.07% A1+ / AAA AA+ / AA Cash & Cash Equivalents % to V Name of the Instrument Ratings Lakhs Instrument Wise Composition 18.68% 10.77% 0.33% 20.84% NCD - Non Convertible Deb Treasury Bills Commercial Papers Certificate Of Deposit Cash & Cash Equivalents % to V 1.10 1.09 1.09 1.07 0.88 0.55 0.55 0.55 0.55 0.34 0.11 0.09 0.08 0.08 0.03 0.02 8.89 4.45 4.45 49.38% Maturity Ladder Cash & Others 1.79% 2-3 Mths 45.33% 1-2 Mths 27.13% Abv 15-30 Days 23.50% Abv 7-15 Days 2.17% 1-7 Days 0.07% 0.00% 10.00% 20.00% 30.00% 40.00% 50.00% V Movement 130 Liquid Fund - Reg - Growth Crisil Liquid Fund Index 124 118 112 106 100 Jun-14 Jun-15 Jun-16 Jun-17 29
Gilt Securities Fund (An Open-Ended Debt Scheme investing predominantly in Government Securities) A debt scheme that invests in Government securities to generate reasonable returns emphasising the importance of captial preservation. To generate risk-free return and thus provide medium to long term capital gains and income distribution to its Unitholders, while at all times emphasising the importance of capital preservation. September 6, 1999 FUND MAGER Naresh Kumar (Managing Since 1-Apr-17 and overall experience of 5.6 years) Name of the Instrument Ratings Lakhs Debt Instruments Government Securities GOI - 6.79% (26/12/2029) GOI - 6.62% (28/11/2051) GOI - 7.73% (19/12/2034) GOI - 6.57% (05/12/2033) GOI - 7.50% (10/08/2034) GOI - 7.06% (10/10/2046) GOI - 10.70% (22/04/2020) GOI - 6.90% (13/07/2019) 10464.28 3502.74 2340.76 2138.03 1451.25 521.27 496.55 11.26 2.42 % to V 84.68 28.35 18.94 17.30 11.74 4.22 4.02 0.09 0.02 Name of the Instrument Repo Cash / Net Current Asset Ratings Lakhs 905.02 11369.30 987.59 12356.89 % to V 7.32 92.00 8.00 100.00 I-Sec Composite Index V - Growth - Dividend Reg -Growth Reg -Dividend 52.3077 15.3932 50.3717 14.7489 123.57 ( in Cr.) 122.92 ( in Cr.) 0.34 1.34 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load 4.60 1.24 0.90 0.32-0.20 3.50 0.48 Modified Duration Average Maturity 8.56 Years 16.92 Years Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets 6.80% 6.82% 0.50% of V if redeemed on or before expiry of 180 days from the date of allotment. SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B I-Sec Composite Index B I-Sec Composite Index Total Value of AB Crisil 10 Yr Gilt Index AB Crisil 10 Yr Gilt Index 127,370 11.67% 125,420 8.54% 125,197 8.19% 423,824 10.92% 420,853 10.43% 420,295 10.34% 786,392 10.78% 777,826 10.34% 761,409 9.48% 840,000 1,209,666 10.25% 1,199,181 10.01% 1,145,911 8.73% 1,200,000 1,909,461 8.99% 1,947,467 9.36% 1,792,857 7.79% 2,130,000 4,653,172 8.18% 4,683,392 8.25% 4,171,688 7.09% (Inception date 06-Sep-1999) (First Installment date 01-Oct-1999) Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer Composition by Ratings 15.32% Cash & Cash Equivalents Instrument Wise Composition 15.32% Government Securities Cash & Cash Equivalents 84.68% 84.68% Maturity Ladder Cash & Others Abv 10 Yrs 7-10 Yrs 3-7 Yrs 1-3 Yrs 0-1 Yrs 7.99% 0.00% 0.00% 0.11% 7.32% 84.57% 0.00% 20.00% 40.00% 60.00% 80.00% 100.00% V Movement 140 Gilt Securities Fund - Reg - Growth I-Sec Composite Index 132 124 116 108 100 Jun-14 Jun-15 Jun-16 Jun-17 30
Gilt Mid Term Fund (An Open-Ended Debt Scheme investing predominantly in Government Securities) A debt scheme that invests in Government securities to generate returns. Under normal circumstances the average portfolio maturity shall not exceed 1s. To provide reasonable returns and high liquidity to the Unitholders by investing predominantly in Government Securities having residual maturity upto 1s. However, there can be no assurance that the investment objective of the scheme will be realized. June 24, 2010 FUND MAGER Naresh Kumar (Managing Since 1-Apr-17 and overall experience of 5.6 years) I-Sec Composite Index V - Growth 19.2421 - Dividend 18.0088 # - Quarterly Dividend 15.9336 # Reg - Growth 18.5342 Reg - Dividend 17.5795 Reg - Quarterly Dividend 15.4692 # Plans are available for subscription under all open ended schemes of Mutual Fund w.e.f 1st January 2013. Separate V will be calculated & published for respective option(s) of the Plan upon initial subscription. 228.06 ( in Cr.) 227.64 ( in Cr.) 0.38 1.50 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. Modified Duration Average Maturity 3.85 1.11 0.97 0.31-0.20 Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets 3.50 0.48 5.2s 7.19 Years 6.79% 6.90% ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load NIL Name of the Instrument Debt Instruments Government Securities GOI - 7.16% (20/05/2023) GOI - 8.28% (21/09/2027) GOI - 8.35% (14/05/2022) GOI - 8.24% (15/02/2027) SDL Maharashtra 8.94% (23/07/2024) SDL Tamilnadu 8.27% (13/01/2026) GOI - 7.68% (15/12/2023) SDL Tamilnadu 8.13% (14/01/2025) GOI - 7.35% (22/06/2024) SDL Karnataka 7.27% (28/12/2026) SDL Tamilnadu 8.06% (25/02/2025) SDL Maharashtra 8.44% (26/11/2024) SDL Tamilnadu 7.23% (14/06/2027) Ratings Lakhs 21574.46 5093.59 4364.13 4267.23 4177.37 543.33 527.46 524.02 521.30 514.06 452.39 322.49 159.34 107.75 % to V 94.60 22.33 19.14 18.71 18.32 2.38 2.31 2.30 2.29 2.25 1.98 1.41 0.70 0.47 Name of the Instrument Repo Cash / Net Current Asset 871.61 22446.07 360.00 22806.07 % to V 3.82 98.42 1.58 100.00 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B I-Sec Composite Index B I-Sec Composite Index Total Value of AB Crisil 10 Yr Gilt Index AB Crisil 10 Yr Gilt Index 124,554 7.16% 125,420 8.54% 125,197 8.19% 415,226 9.51% 420,853 10.43% 420,295 10.34% 774,265 10.15% 777,826 10.34% 761,409 9.48% 840,000 1,200,429 10.04% 1,199,181 10.01% 1,145,911 8.73% 840,000 1,200,429 10.04% 1,199,181 10.01% 1,145,911 8.73% (Inception date 24-Jun-2010) (First Installment date 01-Jul-2010) Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer Composition by Ratings 5.40% 94.60% Cash & Cash Equivalents Instrument Wise Composition 11.55% 5.40% 83.05% Ratings Lakhs Government Securities State Development Loans Cash & Cash Equivalents Maturity Ladder Cash & Others 1.58% Abv 10 Yrs 19.14% 7-10 Yrs 29.87% 3-7 Yrs 45.60% 1-3 Yrs 0.00% 0-1 Yrs 3.82% 0.00% 10.00% 20.00% 30.00% 40.00% 50.00% V Movement 140 132 124 116 108 Gilt Mid Term Fund - Reg - Growth I-Sec Composite Index 100 Jun-14 Jun-15 Jun-16 Jun-17 31
Retirement Savings Fund - Progressive (An Open-Ended Equity Scheme) Sharpe Ratio A Fund that aims to provide an investment tool for retirement planning to suit the risk profile of the investor. To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends. November 1, 2011 FUND MAGER Sonam Udasi (Managing Since 1-Apr-16 and overall experience of 20 years) (Equity) & Murthy Nagarajan (Managing since 1-Apr-17 and overall experience of 21 years) (Debt) S&P BSE Sensex V - Growth Reg - Growth 229.76 ( in Cr.) 226.62 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 27.0715 25.1495 15.77 0.22 1.02 0.71 0.96 0.87 90.94% 90.94% 1.72 2.74 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. 12.94 0.03 0.11 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 "For calculation methodology please refer to Pg 49 MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load (A) If redeemed/switched-out on or after attainment of retirement age i.e. 60 years of age - Nil. (B) In case of Auto switch-out of units on occurrence of Auto-switch trigger event - Nil. (C) For Redemption or switch-out of units in other cases (i.e. switch out other than auto switch-out on trigger event & redemption/ switch-out before the attainment of retirement age i.e. 60years) following exit load will be applicable(i) If redeemed / Switched out on or before expiry of s from the date of allotment - 3% of the applicable V. (ii)if edeemed / Switched out after s from the date of allotment - 1 % of the applicable V. Equity & Equity Related Total Auto Maruti Suzuki India Ltd. Bajaj Auto Ltd. Auto Ancillaries Ceat Ltd. Motherson Sumi Systems Ltd. Banks Yes Bank Ltd. HDFC Bank Ltd. Cement Dalmia Bharat Ltd. Shree Cement Ltd. Grasim Industries Ltd. Construction Somany Ceramics Ltd. Construction Project Engineers India Ltd. Consumer Durables Century Plyboards (India) Ltd. Consumer Non Durables ITC Ltd. Heritage Foods Ltd. Finance Muthoot Finance Ltd. ICICI Prudential Life Insurance Company Ltd. Max Financial Services Ltd. Dewan Housing Finance Corporation Ltd. Power Finance Corporation Ltd. Bajaj Finance Ltd. Gas Gail ( India ) Ltd. Media & Entertainment Zee Entertainment Enterprises Ltd. Minerals/mining Coal India Ltd. Top 10 Holdings Equity Issuer Name Yes Bank Ltd. ITC Ltd. Future Retail Ltd. Power Grid Corporation Of India Ltd. Maruti Suzuki India Ltd. HDFC Bank Ltd. Raymond Ltd. Muthoot Finance Ltd. Engineers India Ltd. Gail (india) Ltd. Total No. of Shares 9600 14550 26000 73000 93000 41000 19700 1700 20500 59500 368000 100000 360500 37140 127000 111000 76000 100000 315000 17000 148000 71500 147600 SIP - If you had invested INR 10000 every month Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B S&P BSE Sensex B S&P BSE Sensex (Inception date 01-Nov-2011) (First Installment date 01-Dec-2011) Lakhs 21255.83 692.92 406.02 467.00 335.73 1359.52 677.42 485.93 288.05 254.33 456.48 565.06 294.30 1167.48 412.12 577.41 522.92 476.94 438.00 386.03 233.61 534.28 351.53 360.44 % of Assets 92.51 3.02 1.77 2.03 1.46 5.92 2.95 2.11 1.25 1.11 1.99 2.46 1.28 5.08 1.79 2.51 2.28 2.08 1.91 1.68 1.02 2.33 1.53 1.57 % to V 5.92 5.08 3.85 3.39 3.02 2.95 2.64 2.51 2.46 2.33 34.15 Industrial Products Finolex Cables Ltd. Nilkamal Ltd. Power Power Grid Corporation Of India Ltd. Retailing Future Retail Ltd. Avenue Supermarts Ltd. Future Consumer Ltd. Software Elxsi Ltd. Info Edge (India) Ltd. Textile Products Raymond Ltd. Transportation Container Corporation Of India Ltd. Cox & Kings Ltd. Other Equities^ Repo Cash / Net Current Asset No. of Shares 114000 17375 370000 240000 63000 1545000 32000 25000 83800 35250 100000 ^ Exposure less than 1% has been clubbed under Other Equities Lakhs 522.46 327.48 779.04 885.72 513.20 467.36 507.22 257.01 606.08 403.86 276.45 3966.43 1536.55 22792.38 183.62 22976.00 % of Assets 2.27 1.43 3.39 3.86 2.23 2.03 2.21 1.12 2.64 1.76 1.20 17.26 6.69 99.20 0.80 100.00 7 Year 10 Year 670,000 137,194 471,510 986,388 1,156,102 27.81% 18.37% 20.00% 19.52% 130,879 408,391 784,571 913,647 17.36% 8.38% 10.68% 11.03% Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark Source MFI Explorer Industry Allocation Finance 13.31% Banks 9.82% Retailing 8.12% Industrial Products 7.14% Consumer Non Durables 6.88% Auto 5.72% Cement 5.08% Transportation 4.44% Gas 4.09% Media & Entertainment 3.50% Auto Ancillaries 3.49% Power 3.39% Software 3.33% Construction 2.86% Textile Products 2.64% Construction Project 2.46% Healthcare Services 1.78% Minerals/mining 1.57% Consumer Durables 1.28% Industrial Capital Goods 0.90% Hotels, Resort And Other 0.70% 0.00% 5.00% 10.00% 15.00% Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 53.68% 46.32% 0.00% Market Capitalisation includes only domestic listed Equity exposure in BSE. Large Cap Companies are top 125 stocks by market capitalisation on S&P BSE 500 Index and Mid Cap stocks are those between 126 to 499 stocks by market capitalisation and 500 & above being classified as Small cap. For calculation purpose, the previous month market capitalisation data have been used. All the figures has been rebased to 100 (Based on internal calculation). V Movement 170 Retirement Savings Fund - Progressive Plan - Reg S&P BSE Sensex 154 138 122 106 90 Jun-14 Jun-15 Jun-16 Jun-17 32
Retirement Savings Fund - Moderate (An Open-Ended Equity Scheme) Sharpe Ratio A Fund that aims to provide an investment tool for retirement planning to suit the risk profile of the investor. To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends. November 1, 2011 FUND MAGER Sonam Udasi (Managing Since 1-Apr-16 and overall experience of 20 years) (Equity) & Murthy Nagarajan (Managing since 1-Apr-17 and overall experience of 21 years) (Debt) CRISIL Balanced Fund - Aggressive Index V - Growth Reg - Growth 151.05 ( in Cr.) 143.36 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 12.14 0.29 1.10 0.69 0.93 1.08 28.0112 26.3251 57.90% 57.90% 1.91 2.79 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees.The above ratio includes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. 8.84-0.02-0.06 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load (A) If redeemed/switched-out on or after attainment of retirement age i.e. 60 years of age - Nil. (B) In case of Auto switch-out of units on occurrence of Auto-switch trigger event - Nil. (C) For Redemption or switch-out of units in other cases (i.e. switch out other than auto switch-out on trigger event & redemption/ switch-out before the attainment of retirement age i.e. 60 years) following exit load will be applicable (i) If redeemed / Switched out on or before expiry of 3 Years from the date of allotment - 3% of the applicable V. (ii)if redeemed / Switched out after s from the date of allotment - 1% of the applicable V. Equity & Equity Related Total Auto Maruti Suzuki India Ltd. 5310 Bajaj Auto Ltd. 7750 Auto Ancillaries Ceat Ltd. 13900 Motherson Sumi Systems Ltd. 35000 Banks Yes Bank Ltd. 51800 HDFC Bank Ltd. 23280 Cement Dalmia Bharat Ltd. 10555 Construction Somany Ceramics Ltd. 32900 Construction Project Engineers India Ltd. 206100 Consumer Non Durables ITC Ltd. 200200 Heritage Foods Ltd. 21122 Finance Muthoot Finance Ltd. 67300 ICICI Prudential Life Insurance Company Ltd. 58500 41600 54500 165000 Max Financial Services Ltd. Dewan Housing Finance Corporation Ltd. Power Finance Corporation Ltd. Gas Gail ( India ) Ltd. Industrial Products Finolex Cables Ltd. Nilkamal Ltd. No. of Shares Lakhs 11340.45 80366 65000 9700 SIP - If you had invested INR 10000 every month Total Amount Invested () Total Value as on Jun 30, 2017 () Returns Total Value of B CRISIL Balanced Fund - Aggressive Index B CRISIL Balanced Fund - Aggressive Index Total Value of AB S&P BSE Sensex AB S&P BSE Sensex 383.27 216.26 249.66 160.97 757.24 384.64 260.35 252.41 316.47 648.35 234.38 305.98 275.59 261.06 238.71 202.21 290.12 297.90 182.82 % of Assets 75.08 2.54 1.43 1.65 1.07 5.01 2.55 1.72 1.67 2.10 4.29 1.55 2.03 1.82 1.73 1.58 1.34 1.92 1.97 1.21 Media & Entertainment Zee Entertainment Enterprises Ltd. Minerals/Mining Coal India Ltd. Power Power Grid Corporation Of India Ltd. Retailing Future Retail Ltd. Avenue Supermarts Ltd. Future Consumer Ltd. Software Elxsi Ltd. Textile Products Raymond Ltd. Transportation Container Corporation Of India Ltd. Other Equities^ Name of the Instrument Debt Instruments Government Securities GOI - 8.40% (28/07/2024) Repo Cash / Net Current Asset No. of Shares Ratings Lakhs 191.90 2851.97 Lakhs 2988.54 14870.11 234.95 15105.06 % of Assets 1.27 18.88 % to V 19.79 98.45 1.55 100.00 7 Year 10 Year (Inception date 01-Nov-2011) (First Installment date 01-Dec-2011) Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark, AB Additional Benchmark Source MFI Explorer Top 10 Holdings Equity Issuer Name Yes Bank Ltd. ITC Ltd. Future Retail Ltd. Power Grid Corporation Of India Ltd. HDFC Bank Ltd. Maruti Suzuki India Ltd. Engineers India Ltd. Raymond Ltd. Muthoot Finance Ltd. Finolex Cables Ltd. Total 134,761 23.75% 128,873 14.09% 130,879 17.36% % to V 5.01 4.29 3.28 2.88 2.55 2.54 2.10 2.09 2.03 1.97 28.74 462,614 17.01% 416,739 9.76% 408,391 8.38% 998,683 20.52% 794,400 11.18% 784,571 10.68% Industry Allocation 39550 64300 206700 134350 33700 825000 16100 43750 16750 ^ Exposure less than 1% has been clubbed under Other Equities Finance Banks Retailing Consumer Non Durables Industrial Products Auto Cement Transportation Gas Media & Entertainment Power Auto Ancillaries Software Construction Construction Project Textile Products Healthcare Services Minerals/mining Consumer Durables Industrial Capital Goods Hotels, Resort And Other Recreational Activities 8.39% 6.75% 5.84% 5.71% 4.77% 4.03% 3.42% 3.20% 2.99% 2.88% 2.72% 2.61% 2.18% 2.10% 2.09% 1.47% 1.04% % 0.56% 0.41% 194.45 157.02 435.21 495.82 274.52 249.56 255.19 316.42 541.12 541.12 1.29 1.04 2.88 3.28 1.82 1.65 1.69 2.09 3.58 3.58 670,000 1,176,452 20.16% 920,960 11.31% 913,647 11.03% 10.89% 0.00% 5.00% 10.00% 15.00% Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 54.31% 45.69% 0.00% "Market Capitalisation includes only domestic listed Equity exposure in BSE. Large Cap Companies are top 125 stocks by market capitalisation on S&P BSE 500 Index and Mid Cap stocks are those between 126 to 499 stocks by market capitalisation and 500 & above being classified as Small cap. For calculation purpose, the previous month market capitalisation data have been used. All the figures has been rebased to 100 (Based on internal calculation). V Movement 180 Retirement Savings Fund - Moderate Plan - Reg CRISIL Balanced Fund - Aggressive Index 162 144 126 108 90 Jun-14 Jun-15 Jun-16 Jun-17 33
Retirement Savings Fund - Conservative (An Open-Ended Debt Scheme) 100.58 ( in Cr.) 99.18 ( in Cr.) 1.17 2.36 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. A Fund that aims to provide an investment tool for retirement planning to suit the risk profile of the investor. To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends. November 01, 2011 FUND MAGER Sonam Udasi (Managing Since 1-Apr-16 and overall experience of 20 years) (Equity) & Murthy Nagarajan (Managing since 1-Apr-17 and overall experience of 21 years) (Debt) Crisil MIP Blended Index V - Growth Reg - Growth 19.2095 18.1515 5.25 1.11 0.57 0.38 0.08 MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load 3.58 0.31 Modified Duration Average Maturity 3.29 Years 4.6s Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 6.60% 6.75% (A) For Redemption or switch out of units before the attainment of retirement i.e. 60 years (i) If redeemed on or before expiry of s from the date of allotment - 3%. (ii) If redeemed after s from the date of allotment - 1%. (B) For Redemption or switch out of units on or after attainment of retirement age i.e. 60 years NIL (C) In case of Auto switch-out of units on occurrence of Auto-switch trigger event NIL. Equity & Equity Related Total Banks Yes Bank Ltd. Consumer Non Durables ITC Ltd. Power Power Grid Corporation Of India Ltd. Retailing Future Retail Ltd. Other Equities^ No. of Shares 12150 47500 49000 31550 SIP - If you had invested INR 10000 every month Lakhs 2831.03 177.61 153.83 103.17 116.44 2279.98 % of Assets 28.15 1.77 1.53 1.03 1.16 22.67 Name of the Instrument Repo Cash / Net Current Asset 2375.80 9900.12 157.41 10057.53 23.62 98.43 1.57 100.00 7 Year 10 Year Total Amount Invested () 670,000 Total Value as on Jun 30, 2017 () 127,855 427,281 811,422 935,049 Returns 12.45% 11.48% 12.04% 11.86% Total Value of B Crisil MIP Blended Index 126,474 420,112 780,863 897,829 B Crisil MIP Blended Index 10.23% 10.31% 10.49% 10.40% Total Value of AB Crisil 10 Yr Gilt Index 125,197 420,295 761,390 869,943 AB Crisil 10 Yr Gilt Index 8.19% 10.34% 9.48% 9.28% (Inception date 01-Nov-2011) (First Installment date 01-Dec-2011) Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49 *B Benchmark, AB Additional Benchmark Source MFI Explorer Composition by Ratings 25.18% 36.48% 10.19% 28.15% A1+ / AAA Equity Cash & Cash Equivalents Debt Instruments Government Securities GOI - 8.24% (15/02/2027) GOI - 8.60% (02/06/2028) GOI - 8.40% (28/07/2024) GOI - 8.20% (24/09/2025) GOI - 7.80% (11/04/2021) SDL Maharashtra 8.44% (26/11/2024) Non-Convertible Debentures/Bonds 09.95 % Food Corporation Of India Ltd. 11.25 % Power Finance Corporation Instrument Wise Composition Ratings (so) ^ Exposure less than 1% has been clubbed under Other Equities 25.18% 3.70% 32.78% 28.15% 10.19% Lakhs 3668.90 1139.28 558.77 541.12 538.07 519.88 371.78 1024.39 550.52 473.87 Equity Shares % to V 36.48 11.33 5.56 5.38 5.35 5.17 3.70 10.19 5.47 4.71 NCD - Non Convertible Deb Government Securities State Development Loans Cash & Cash Equivalents Maturity Ladder Cash & Others Abv 10 Yrs 7-10 Yrs 3-7 Yrs 1-3 Yrs 0-1 Yrs 5.56% 4.71% 10.64% 25.75% 23.62% 29.71% 0.00% 10.00% 20.00% 30.00% 40.00% V Movement 150 140 130 120 110 Retirement Savings Fund - Reg - Conservative Plan Crisil MIP Blended Index 100 Jun-14 Jun-15 Jun-16 Jun-17 34
Young Citizens Fund (An Open-Ended Balanced Scheme) A balanced scheme that aims to invest its debt portion in quality debt papers / government securities of long term maturity. While equity portfolio invests in high quality companies to create long term wealth for the investor. To provide long term capital growth along with steady capital appreciation to its unitholders, while at all times emphasising the importance of capital preservation. October 14, 1995 FUND MAGER Akhil Mittal (Managing Since 30-Jul-15 and overall experience of 1s) (Debt) & Sonam Udasi (Managing Since 1-Apr-16 and overall experience of 20 years) (Equity) CRISIL Balanced Fund - Aggressive Index V Reg 218.86 ( in Cr.) 220.59 ( in Cr.) 25.8880 24.7115 TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 120.25% 39.98% 1.60 2.71 **Note The rates specified are the actual weighted average expenses charged for the month of Jun 2017. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, proportionate charge (out of maximum 30 bps on daily average net assets allowed) in respect sales beyond T-15 cities assets, wherever applicable. Sharpe Ratio Modified Duration Average Maturity 7.46 0.22 0.70 0.77 0.68 0.51 Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* 8.84-0.02-0.06 3.74 Years 5.1s *NCA - Net Current Assets ^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.25% as on Jun 30, 2017 For calculation methodology please refer to Pg 49 MINIMUM INVESTMENT/ MUL TIPLES FOR NEW INVESTMENT 500/- and in multiples of 500/- thereafter. ADDITIOL INVESTMENT/ MUL TIPLES FOR EXISTING INVESTORS 500/- and in multiples of 500/- thereafter. Entry Load Not Applicable Exit Load Compulsory Lock-in Option 3% if redeemed on or before expiry of s from the date of allotment. (This load will be applicable when the lock-in period expires before s from the date of allotment). Anytime Exit Option If child attains majority after 7 years from the date of allotment If redeemed on or before expiry of s from the date of allotment 3% If redeemed after s but on or before 7 years from the date of allotment 2% If redeemed after 7 years but before child attains majority 1% No load after the child attains majority If child attains majority before 7 years from the date of allotment If redeemed on or before expiry of s from the date of allotment 3% If redeemed after s but on or before 7 years from the date of allotment 2% If redeemed after 7 years Nil. 6.77% 6.90% No. of Shares Lakhs Equity & Equity Related Total Auto Maruti Suzuki India Ltd. 7650 Bajaj Auto Ltd. 15200 Hero Motocorp Ltd. 9100 Auto Ancillaries WABCO India Ltd. 11500 Ceat Ltd. 21000 Banks Yes Bank Ltd. 70500 HDFC Bank Ltd. 17100 ICICI Bank Ltd. 88000 Construction Project Engineers India Ltd. 184000 Consumer Non Durables ITC Ltd. 260000 Eveready Industries India Ltd. 80000 P & G Hygiene & Health Care Ltd. 2725 Finance Muthoot Finance Ltd. 92000 Max Financial Services Ltd. 51000 Gas Gail ( India ) Ltd. 86666 Hotels, Resort And Other Recreational Activities 90000 Wonderla Holidays Ltd. Industrial Products Finolex Cables Ltd. Finolex Industries Ltd. Media & Entertainment Zee Entertainment Enterprises Ltd. Power Power Grid Corporation Of India Ltd. 85500 46000 55000 120000 10907.94 552.17 424.16 336.40 635.05 377.19 1030.60 282.53 255.29 282.53 842.01 272.88 219.26 418.28 320.05 312.86 317.79 391.85 277.56 270.41 252.66 % of Assets 49.84 2.52 1.94 1.54 2.90 1.72 4.71 1.29 1.17 1.29 3.85 1.25 1.91 1.46 1.43 1.45 1.79 1.27 1.24 1.15 Retailing Future Retail Ltd. Future Consumer Ltd. Textile Products Raymond Ltd. Transportation Container Corporation Of India Ltd. Other Equities^ Name of the Instrument Repo Cash / Net Current Asset 100000 750000 55000 369.05 226.88 397.79 40000 458.28 1384.41 Ratings Lakhs 5102.72 1091.03 1039.75 976.53 771.09 538.07 529.28 156.97 3890.42 1072.78 625.20 55 534.92 507.21 497.39 101.92 1774.55 21675.63 210.30 21885.93 1.69 1.04 1.82 2.09 6.33 % to V 23.32 4.99 4.75 4.46 3.52 2.46 2.42 0.72 17.78 4.90 2.86 2.52 2.44 2.32 2.27 0.47 8.11 99.04 0.96 100.00 ^ Exposure less than 1% has been clubbed under Other Equities SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Jun 30, 2017 () 129,340 Returns 14.85% Total Value of B CRISIL Balanced Fund - Aggressive Index 128,873 B CRISIL Balanced Fund - Aggressive Index 14.09% Total Value of AB Crisil 10 Yr Gilt Index 125,197 AB Crisil 10 Yr Gilt Index 8.19% (Inception date 14-Oct-1995) (First Installment date 01-Feb-1996) 422,676 10.72% 416,739 9.76% 420,449 10.36% 821,172 12.52% 794,509 11.19% 761,388 9.47% 840,000 1,286,562 11.98% 1,219,145 10.47% 1,145,717 8.73% 1,200,000 2,175,345 11.45% 2,013,634 9.99% 1,792,971 7.79% 2,570,000 12,616,041 13.05% 9,219,931 10.66% 5,593,208 6.71% Past performance may or may not be sustained in the future. Returns greater than period are compounded annualized. Dividends are assumed to be reinvested and bonus is adjusted. Load is not taken in to consideration. For SIP returns, monthly investment of equal amounts invested on the 1st day of every month has been considered. For scheme performance refer pages 36-49. *B Benchmark Source MFI Explorer Top 10 Holdings Equity Issuer Name Yes Bank Ltd. ITC Ltd. WABCO India Ltd. Maruti Suzuki India Ltd. Container Corporation Of India Ltd. Bajaj Auto Ltd. Muthoot Finance Ltd. Raymond Ltd. Finolex Cables Ltd. Ceat Ltd. Total Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap % to V 4.71 3.85 2.90 2.52 2.09 1.94 1.91 1.82 1.79 1.72 25.25 55.86% 44.14% 0.00% "Market Capitalisation includes only domestic listed Equity exposure in BSE. Large Cap Companies are top 125 stocks by market capitalisation on S&P BSE 500 Index and Mid Cap stocks are those between 126 to 499 stocks by market capitalisation and 500 & above being classified as Small cap. For calculation purpose, the previous month market capitalisation data have been used. All the figures has been rebased to 100 (Based on internal calculation). No. of Shares Lakhs Debt Instruments Government Securities GOI - 8.28% (21/09/2027) GOI - 7.80% (11/04/2021) GOI - 8.24% (15/02/2027) GOI - 7.35% (22/06/2024) GOI - 8.20% (24/09/2025) GOI - 8.20% (15/02/2022) GOI - 8.27% (09/06/2020) Non-Convertible Debentures/Bonds 09.25 % Reliance Jio Infocomm Ltd. 09.39 % Rural Electrification Corp. Ltd. 09.20 % State Bank Of India 08.87 % EXIM 07.60 % National Highways Authority Of India 07.30 % Power Grid Corporation Of India Ltd. 08.49 % NHPC Ltd. Industry Allocation Banks 7.17% Consumer Non Durables 6.50% Auto 6.00% Auto Ancillaries 5.38% Finance 4.27% Retailing 3.26% Industrial Products 3.06% Transportation 2.60% Textile Products 1.82% Hotels, Resort And Other Recreational 1.45% Gas 1.43% Construction Project 1.29% Media & Entertainment 1.24% Power 1.15% Minerals/mining 0.90% Consumer Durables 0.87% Construction 0.62% Cement 0.57% Petroleum Products 0.26% 0.00% 5.00% 10.00% V Movement % of Assets 150 Young Citizens Fund - Reg CRISIL Balanced Fund - Aggressive Index 138 126 114 102 90 Jun-14 Jun-15 Jun-16 Jun-17 35
SCHEME PERFORMANCE Lumpsum Performance of Open Ended Schemes Lumpsum Performance of schemes managed by Akhil Mittal Dynamic Bond Fund I-Sec Composite Index* Crisil 10 Yr Gilt Index # 11.84% 10.30% 10.31% 7.22% Inception date 3-Sep-03 11,184 13,424 16,343 26,240 11.04% 11.17% 9.88% 7.63% 11,104 13,745 16,025 27,640 11.15% 8.46% 5.85% 13,736 15,017 21,966 Managing since 26-Jun-14 Ultra Short Term Fund 7.92% 8.40% 8.78% 8.09% Inception date 6-Sep-05 10,792 12,742 15,240 25,086 Crisil Liquid Fund Index* 6.86% 7.83% 8.25% 7.38% 10,686 12,541 14,872 23,205 Crisil 1 Yr T-Bill Index # 6.53% 7.57% 7.36% 6.20% 10,653 12,451 14,266 20,353 Managing since 26-Jun-14 Long Term Debt Fund 11.18% 9.90% 9.54% 8.51% Inception date 28-Apr-97 11,118 13,278 15,778 51,995 Crisil Composite Bond Fund Index* 11.47% 10.91% 9.58% 11,147 13,646 15,805 Lumpsum Performance of schemes managed by Amit Somani Crisil 10 Yr Gilt Index # 11.15% 8.46% 13,736 15,017 Managing since 26-Jun-14 Young Citizens Fund 14.57% 12.18% 12.53% 13.21% Inception date 14-Oct-95 (Manages debt portfolio) 11,457 14,122 18,059 148,269 CRISIL Balanced Fund - Aggressive Index* 13.85% 9.08% 11.73% 11,385 12,981 17,421 Crisil 10 Yr Gilt Index # 11.15% 8.46% 13,736 15,017 Managing since 30-Jul-15 Corporate Bond Fund 7.42% 8.03% 8.35% 8.13% Inception date 13-Jul-07 10,742 12,609 14,937 21,796 Crisil Short Term Bond Fund Index* 8.88% 9.12% 9.09% 8.22% 10,888 12,995 15,455 21,986 Crisil 1 Yr T-Bill Index # 6.53% 7.57% 7.36% 6.35% 10,653 12,451 14,266 18,478 Managing since 21-May-14 6.92% 7.93% 8.48% 7.71% Inception date 01-Sep-04 Money Market Fund Crisil Liquid Fund Index* Crisil 1 Yr T-Bill Index # 10,692 12,577 15,024 25,953 6.86% 7.83% 8.25% 7.15% 10,686 12,541 14,869 24,268 6.53% 7.57% 7.36% 6.09% 10,653 12,451 14,263 21,350 Managing since 16-Oct-13 Liquid Fund Crisil Liquid Fund Index* Crisil 1 Yr T-Bill Index # 6.85% 7.88% 8.39% 7.38% Inception date 22-May-03 10,685 12,558 14,966 27,343 6.86% 7.83% 8.25% 6.87% 10,686 12,541 14,869 25,533 6.53% 7.57% 7.36% 5.91% 10,653 12,451 14,263 22,480 Managing since 16-Oct-13 Lumpsum Performance of schemes managed by Gopal Agrawal Large Cap Fund S&P BSE Sensex* 15.60% 10.95% 14.87% 21.57% Inception date 07-May-98 (Manages equity portfolio) 11,560 13,660 20,019 422,102 14.53% 6.75% 12.13% 11.16% 11,453 12,167 17,740 75,978 Managing since 27-Jun-17 Note * Benchmark;# Additional benchmark; Amount in rupees denotes Value of Standard Investment of 10,000. Refer to page number 48 for disclaimer on scheme performance. 36
SCHEME PERFORMANCE Lumpsum Performance of Open Ended Schemes Lumpsum Performance of schemes managed by Murthy Nagarajan Balanced Fund CRISIL Balanced Fund - Aggressive Index* S&P BSE Sensex # Retirement Savings Fund - Progressive Plan S&P BSE Sensex* 12.87% 13.54% 17.90% 16.33% Inception date 8-Oct-95 (Manages debt portfolio) 11,287 14,642 22,797 268,192 13.85% 9.08% 11.73% 11,385 12,981 17,421 14.53% 6.75% 12.13% 10.40% 11,453 12,167 17,740 85,932 Managing since 01-Apr-17 26.30% 18.06% 18.44% 17.68% Inception date 1-Nov-11 (Manages debt portfolio) 12,630 16,462 23,325 25,150 14.53% 6.75% 12.13% 10.59% 11,453 12,167 17,740 17,689 Managing since 01-Apr-17 Medium Term Fund Crisil Composite Bond Fund Index* Crisil 10 Yr Gilt Index # Retirement Savings Fund - Conservative Plan Crisil MIP Blended Index* Crisil 10 Yr Gilt Index # 10.59% 9.27% 9.08% 6.80% Inception date 11-Nov-02 11,059 13,050 15,448 26,195 11.47% 10.91% 9.58% 7.02% 11,147 13,646 15,805 27,002 11.15% 8.46% 6.56% 13,736 15,017 25,360 Managing since 01-Apr-17 14.56% 11.70% 11.45% 11.10% Inception date 1-Nov-11 (Manages debt portfolio) 11,456 13,943 17,207 18,152 12.07% 10.56% 10.15% 9.97% 11,207 13,519 16,225 17,133 11.15% 8.46% 8.97% 13,736 15,017 16,268 Managing since 01-Apr-17 Saving Equity Fund 9.58% 7.33% 7.70% 7.45% Inception date 27-Apr-00 (Manages debt portfolio) 10,958 12,366 14,494 34,384 Nifty 50 Index (35%),Crisil Liquid Fund Index (30%), Crisil Short Term Bond Fund Index (35%)* 10.47% 8.49% 10.28% 11,047 12,772 16,321 S&P BSE Sensex # 14.53% 6.75% 12.13% 11.61% 11,453 12,167 17,740 66,077 Managing since 01-Apr-17 8.45% 8.70% 9.05% 7.92% Inception date 8-Aug-02 Short Term Bond Fund 10,845 12,845 15,431 31,143 Crisil Short Term Bond Fund Index* 8.88% 9.12% 9.09% 7.25% 10,888 12,995 15,455 28,374 Crisil 1 Yr T-Bill Index # 6.53% 7.57% 7.36% 5.95% 10,653 12,451 14,266 23,664 Managing since 01-Apr-17 Retirement Savings Fund - Moderate Plan CRISIL Balanced Fund - Aggressive Index* S&P BSE Sensex # 23.08% 19.18% 19.48% 18.63% Inception date 1-Nov-11 (Manages debt portfolio) 12,308 16,938 24,371 26,325 13.85% 9.08% 11.73% 10.82% 11,385 12,981 17,421 17,895 14.53% 6.75% 12.13% 10.59% 11,453 12,167 17,740 17,689 Managing since 01-Apr-17 Lumpsum Performance of schemes managed by Naresh Kumar Gilt Mid Term Fund I-Sec Composite Index* Crisil 10 Yr Gilt Index # Gilt Securities Fund I-Sec Composite Index* Crisil 10 Yr Gilt Index # 9.96% 10.68% 10.19% 9.18% Inception date 24-Jun-10 10,996 13,564 16,257 18,534 11.04% 11.17% 9.88% 9.12% 11,104 13,745 16,025 18,460 11.15% 8.46% 7.31% 13,736 15,017 16,412 Managing since 01-Apr-17 13.64% 11.42% 10.27% 9.49% Inception date 6-Sep-99 11,364 13,836 16,312 50,372 11.04% 11.17% 9.88% 11,104 13,745 16,025 11.15% 8.46% 13,736 15,017 Managing since 01-Apr-17 Note * Benchmark;# Additional benchmark; Amount in rupees denotes Value of Standard Investment of 10,000. Refer to page number 48 for disclaimer on scheme performance. 37
SCHEME PERFORMANCE Lumpsum Performance of Open Ended Schemes Lumpsum Performance of schemes managed by Pradeep Gokhale Balanced Fund $ 12.87% 13.54% 17.90% 16.33% Inception date 8-Oct-95 (Manages equity portfolio) 11,287 14,642 22,797 268,192 CRISIL Balanced Fund - Aggressive Index* 13.85% 9.08% 11.73% 11,385 12,981 17,421 S&P BSE Sensex # 14.53% 6.75% 12.13% 10.40% 11,453 12,167 17,740 85,932 Managing since 01-Apr-16 7.50% 10.26% 17.79% 11.35% Inception date 04-Oct-10 Offshore India Sharia Scheme 10,750 13,409 22,697 20,653 Nifty 50 Shariah* Nifty 50 # 16.99% 8.88% 13.45% 7.39% 11,699 12,909 18,806 16,175 14.88% 7.74% 12.50% 6.67% 11,488 12,509 18,036 15,457 Managing since 01-Jan-12 Banking And Financial Services Fund Nifty Financial Services* Nifty 50 # 37.33% 37.22% Inception date 28-Dec-15 13,733 16,109 29.69% 22.25% 12,969 13,536 14.88% 12.95% 11,488 12,014 Managing since 28-Dec-15 Digital India Fund S&P BSE IT* S&P BSE Sensex # -7.33% -3.63% Inception date 28-Dec-15 9,267 9,458-12.20% -7.65% 8,780 8,870 14.53% 12.10% 11,453 11,877 Managing since 28-Dec-15 Ethical Fund Nifty 500 Shariah* Nifty 50 # 8.37% 10.65% 17.23% 16.45% Inception date 24-May-96 10,837 13,551 22,158 249,183 Note $ Pradeep Gokhale is the co-fund manager 20.19% 13.05% 16.73% 12,019 14,452 21,691 14.88% 7.74% 12.50% 10.83% 11,488 12,509 18,036 87,748 Managing since 02-Jan-12 Lumpsum Performance of schemes managed by Rupesh Patel Dividend Yield Fund Nifty 500* Nifty 50 # 19.67% 14.70% 16.80% 17.18% Inception date 22-Nov-04 11,967 15,095 21,758 73,805 19.35% 10.50% 14.83% 14.04% 11,935 13,494 19,977 52,420 14.88% 7.74% 12.50% 13.76% 11,488 12,509 18,036 50,823 Managing since 07-Jun-13 16.76% 14.44% 18.24% 12.62% Inception date 25-Feb-93 Equity Opportunities Fund 11,676 14,993 23,128 180,871 S&P BSE 200* S&P BSE Sensex # 18.08% 9.91% 14.16% 11.30% 11,808 13,280 19,406 135,764 14.53% 6.75% 12.13% 10.36% 11,453 12,167 17,740 110,460 Managing since 07-Jun-13 Infrastructure Fund Nifty 500* Nifty 50 # 20.94% 13.56% 14.33% 14.33% Inception date 31-Dec-04 12,094 14,650 19,545 53,380 19.35% 10.50% 14.83% 13.01% 11,935 13,494 19,977 46,161 14.88% 7.74% 12.50% 12.93% 11,488 12,509 18,036 45,763 Managing since 01-Jan-14 22.79% 18.96% 24.55% 12.56% Inception date 01-Jul-94 Mid Cap Growth Fund 12,279 16,841 30,002 152,107 Nifty Free Float Midcap 100* 28.32% 16.89% 19.23% 12,832 15,977 24,116 14.88% 7.74% 12.50% 9.18% Nifty 50 # 11,488 12,509 18,036 75,439 Managing since 27-Jun-17 Note * Benchmark;# Additional benchmark; Amount in rupees denotes Value of Standard Investment of 10,000. Refer to page number 48 for disclaimer on scheme performance. 38
SCHEME PERFORMANCE Lumpsum Performance of schemes managed by Rupesh Patel (contd.) India Consumer Fund $ Nifty India Consumption* Nifty 50 # 36.56% 26.08% Inception date 28-Dec-15 13,656 14,180 16.44% 13.90% 11,644 12,166 14.88% 12.95% 11,488 12,014 Managing since 28-Dec-15 Resources & Energy Fund 21.84% 24.55% Inception date 28-Dec-15 12,184 13,921 Nifty Commodities* Nifty 50 # 25.99% 25.80% 12,599 14,132 14.88% 12.95% 11,488 12,014 Managing since 28-Dec-15 India Pharma And Healthcare Fund $ Nifty Pharma* Nifty 50 # -6.77% -8.74% Inception date 28-Dec-15 9,323 8,712-13.78% -13.77% 8,622 7,999 14.88% 12.95% 11,488 12,014 Managing since 28-Dec-15 20.04% 15.05% 16.21% 12.17% Inception date 01-Aug-08 Offshore India Infrastructure Scheme 12,003 15,235 21,218 27,850 S&P BSE Sensex* 14.53% 6.75% 12.13% 8.73% 11,453 12,167 17,740 21,097 Managing since 01-Jan-14 India Tax Savings Fund 21.40% 18.67% 20.82% 20.06% 12,140 16,721 25,768 488,086 Inception date 31-Mar-96 Note $ Rupesh Patel is the co-fund manager S&P BSE Sensex* 14.53% 6.75% 12.13% 10.99% 11,453 12,167 17,740 91,848 Managing since 01-Apr-15 Offshore India Opportunities Scheme 15.50% 12.78% 16.42% 14.01% Inception date 26-Jul-05 11,551 14,346 21,399 47,852 S&P BSE Sensex* 14.53% 6.75% 12.13% 12.53% 11,453 12,167 17,740 40,941 Managing since 01-Apr-16 Lumpsum Performance of schemes managed by Sonam Udasi Banking And Financial Services Fund 37.33% 37.22% Inception date 28-Dec-15 13,733 16,109 Nifty Financial Services* Nifty 50 # 29.69% 22.25% 12,969 13,536 14.88% 12.95% 11,488 12,014 Managing since 01-Apr-16 Digital India Fund S&P BSE IT* S&P BSE Sensex # -7.33% -3.63% Inception date 28-Dec-15 9,267 9,458-12.20% -7.65% 8,780 8,870 14.53% 12.10% 11,453 11,877 Managing since 01-Apr-16 Saving Equity Fund 9.58% 7.33% 7.70% 7.45% Inception date 27-Apr-00 (Manages equity portfolio) 10,958 12,366 14,494 34,384 Nifty 50 Index (35%), Crisil Liquid Fund Index (30%), Crisil Short Term Bond Fund Index (35%)* 10.47% 8.49% 10.28% 11,047 12,772 16,321 S&P BSE Sensex # 14.53% 6.75% 12.13% 11.61% 11,453 12,167 17,740 66,077 Managing since 01-Apr-16 Resources & Energy Fund 21.84% 24.55% Inception date 28-Dec-15 12,184 13,921 Nifty Commodities* Nifty 50 # 25.99% 25.80% 12,599 14,132 14.88% 12.95% 11,488 12,014 Managing since 01-Apr-16 Equity P/E Fund S&P BSE Sensex* S&P BSE Sensex # 31.54% 18.19% 22.75% 21.25% Inception date 29-Jun-04 13,154 16,519 27,895 122,707 14.53% 6.75% 12.13% 15.32% 11,453 12,167 17,740 63,869 Managing since 01-Apr-16 Period 23.08% 19.18% 19.48% 18.63% Inception date 01-Nov-11 Manages equity portfolio Retirement Savings Fund - Moderate Plan 12,308 16,938 24,371 26,325 CRISIL Balanced Fund - Aggressive Index* 13.85% 9.08% 11.73% 10.82% 11,385 12,981 17,421 17,895 S&P BSE Sensex # 14.53% 6.75% 12.13% 10.59% 11,453 12,167 17,740 17,689 Managing since 01-Apr-16 Note * Benchmark;# Additional benchmark; Amount in rupees denotes Value of Standard Investment of 10,000. Refer to page number 48 for disclaimer on scheme performance. 39
SCHEME PERFORMANCE Lumpsum Performance of schemes managed by Sonam Udasi (contd.) Index Fund - Nifty Plan 14.92% 7.78% 12.38% 16.74% Inception date 25-Feb-03 11,492 12,522 17,936 92,194 14.88% 7.74% 12.50% 16.56% Nifty 50* 11,488 12,509 18,036 90,198 Managing since 01-Apr-16 Inception date 01-Nov-11 Retirement Savings Fund - Progressive Plan 26.30% 18.06% 18.44% 17.68% 12,630 16,462 23,325 25,150 S&P BSE Sensex* 14.53% 6.75% 12.13% 10.59% 11,453 12,167 17,740 17,689 Managing since 01-Apr-16 14.69% 6.94% 12.10% 16.36% Inception date 25-Feb-03 India Consumer Fund Nifty India Consumption* Nifty 50 # 36.56% 26.08% Inception date 28-Dec-15 (Manages equity portfolio) Index Fund - Sensex Plan 11,469 12,234 17,717 88,007 13,656 14,180 S&P BSE Sensex* 14.53% 6.75% 12.13% 16.91% 16.44% 13.90% 11,453 12,167 17,740 94,218 11,644 12,166 14.88% 12.95% Managing since 01-Apr-16 11,488 12,014 Managing since 01-Apr-16 Period Retirement Savings Fund - Conservative Plan 14.56% 11.70% 11.45% 11.10% Inception date 01-Nov-11 (Manages equity portfolio) 14.57% 12.18% 12.53% 13.21% 11,456 13,943 17,207 18,152 11,457 14,122 18,059 148,269 Crisil MIP Blended Index* Crisil 10 Yr Gilt Index # 12.07% 10.56% 10.15% 9.97% 13.85% 9.08% 11.73% 11,207 13,519 16,225 17,133 11,385 12,981 17,421 11.15% 8.46% 8.97% 13,736 15,017 16,268 Managing since 01-Apr-16 Period Inception date 14-Oct-95 Young Citizens Fund CRISIL Balanced Fund - Aggressive Index* Crisil 10 Yr Gilt Index # 11.15% 8.46% 13,736 15,017 Managing since 01-Apr-16 India Pharma And Healthcare Fund Nifty Pharma* Nifty 50 # Period -6.77% -8.74% Inception date 28-Dec-15 9,323 8,712 Note $ Sonam Udasi is the co-fund manager -13.78% -13.77% 8,622 7,999 14.88% 12.95% 11,488 12,014 Managing since 01-Apr-16 Lumpsum Performance of schemes co-managed by Danesh Mistry Mid Cap Growth Fund $ 22.79% 18.96% 24.55% 12.56% 12,279 16,841 30,002 152,107 Nifty Free Float Midcap 100* 28.32% 16.89% 19.23% Inception date 01-Jul-94 Note $ Danesh Mistry is the assistant fund manager 12,832 15,977 24,116 14.88% 7.74% 12.50% 9.18% Nifty 50 # 11,488 12,509 18,036 75,439 Managing since 01-Apr-16 Offshore India Opportunities Scheme 15.50% 12.78% 16.42% 14.01% Inception date 26-Jul-05 11,551 14,346 21,399 47,852 S&P BSE Sensex* 14.53% 6.75% 12.13% 12.53% 11,453 12,167 17,740 40,941 Managing since 1-Apr-16 Note * Benchmark;# Additional benchmark; Amount in rupees denotes Value of Standard Investment of 10,000. Refer to page number 48 for disclaimer on scheme performance. 40
SCHEME PERFORMANCE SIP Performance of Open Ended Schemes SIP Performance of schemes managed by Akhil Mittal Period Amt. Invested 1,650,000 Inception date 3-Sep-03 Dynamic Bond Fund I-Sec Composite Index* Crisil 10 Yr Gilt Index # 9.64% 126,110 8.54% 125,420 8.19% 125,197 9.90% 417,590 10.43% 420,853 10.34% 420,295 10.19% 775,068 10.34% 777,826 9.48% 761,409 8.12% 2,969,167 8.78% 3,121,118 7.18% 2,768,264 First Installment date 1-Oct-03 Managing since 26-Jun-14 Ultra Short Term Fund Crisil Liquid Fund Index* Crisil 1 Yr T-Bill Index # Period Amt. Invested 1,410,000 7.48% 8.15% 8.52% 8.42% 124,756 407,003 743,424 2,360,830 6.76% 7.42% 7.96% 7.74% 124,300 402,639 733,087 2,262,299 5.96% 7.06% 7.30% 6.68% 123,799 400,474 721,238 2,116,726 Inception date 6-Sep-05 First Installment date 1-Oct-05 Managing since 26-Jun-14 Long Term Debt Fund Crisil Composite Bond Fund Index* Crisil 10 Yr Gilt Index # Young Citizens Fund CRISIL Balanced Fund - Aggressive Index* Crisil 10 Yr Gilt Index # Period Amt. Invested Period Amt. Invested 9.14% 125,797 9.05% 125,737 8.19% 125,197 14.85% 129,340 14.09% 128,873 8.19% 125,197 9.50% 415,160 10.41% 420,729 10.34% 420,295 10.72% 422,676 9.76% 416,739 10.36% 420,449 9.51% 761,976 10.20% 775,183 9.48% 761,409 12.52% 821,172 11.19% 794,509 9.47% 761,388 2,390,000 Inception date 28-Apr-97 7.65% 5,454,294 7.00% 5,063,468 6.91% 5,011,523 First Installment date 1-Aug-97 Managing since 26-Jun-14 2,570,000 Inception date 14-Oct-95 13.05% 12,616,041 10.66% 9,219,931 6.71% 5,593,208 First Installment date 1-Feb-96 Managing since 30-Jul-15 SIP Performance of schemes managed by Amit Somani Crisil Short Term Bond Crisil Crisil Corporate Bond Fund Fund Index* 1 Yr T-Bill Index # Money Market Fund Liquid Fund Index* Crisil 1 Yr T-Bill Index # Period Amt. Invested Period Amt. Invested 1,190,000 6.94% 7.71% 8.09% 8.18% 124,414 404,370 735,575 1,808,171 7.86% 8.80% 9.05% 8.58% 124,991 410,918 753,264 1,845,717 5.96% 7.06% 7.30% 6.85% 123,799 400,474 721,238 1,687,281 1,530,000 6.80% 7.52% 8.06% 8.07% 124,337 403,307 735,039 2,621,557 6.75% 7.42% 7.96% 7.65% 124,308 402,690 733,196 2,547,226 6.00% 7.06% 7.31% 6.58% 123,828 400,562 721,353 2,367,650 Inception date 13-Jul-07 First Installment date 1-Aug-07 Managing since 21-May-14 Inception date 1-Sep-04 First Installment date 1-Oct-04 Managing since 16-Oct-13 Period Amt. Invested 1,690,000 Inception date 22-May-03 Crisil Crisil Liquid Fund Liquid Fund Index* 1 Yr T-Bill Index # 6.74% 124,299 6.75% 124,308 6.00% 123,828 7.47% 402,978 7.42% 402,690 7.06% 400,562 7.99% 733,732 7.96% 733,196 7.31% 721,353 7.88% 3,032,889 7.50% 2,945,152 6.45% 2,716,961 First Installment date 1-Jun-03 Managing since 16-Oct-13 SIP Performance of schemes managed by Gopal Agrawal Period Amt. Invested 2,290,000 Inception date 07-May-98 Large Cap Fund S&P BSE Sensex* 16.25% 130,202 17.36% 130,879 10.74% 422,789 8.38% 408,391 13.79% 847,273 10.69% 784,760 19.41% 19,449,928 13.14% 9,330,058 First Installment date 01-Jun-98 Managing since 27-Jun-17 Note * Benchmark;# Additional benchmark; Amount invested denotes value of standard investment of 10,000 per month. Refer to page number 48 for disclaimer on scheme performance. 41
SCHEME PERFORMANCE SIP Performance of Open Ended Schemes SIP Performance of schemes managed by Danesh Mistry Period Amt. Invested 2,760,000 Inception date 1-Jul-94 Nifty Free Mid Cap Growth Fund Float Midcap 100* Nifty 50 # 22.37% 133,926 23.83% 134,812 16.73% 130,496 15.44% 452,372 18.47% 472,193 9.14% 412,975 24.03% 1,087,110 21.38% 1,019,954 11.39% 798,527 17.72% 18,538,180 16.43% 15,971,549 12.43% 10,172,419 First Installment date 1-Jul-94 Managing since 1-Apr-16 SIP Performance of schemes managed by Pradeep Gokhale Balanced Fund CRISIL Balanced Fund S&P BSE Sensex - Aggressive Index* # Digital India Fund S&P BSE IT* S&P BSE Sensex # Period Amt. Invested Period Amt. Invested 2,570,000 10.93% 10.46% 16.23% 17.86% 126,912 421,069 899,633 24,112,015 14.09% 9.76% 11.19% 10.65% 128,873 416,739 794,509 9,219,931 17.36% 8.38% 10.69% 12.50% 130,879 408,391 784,760 11,735,317 180,000 1.35% -2.48% 120,865 176,492-6.86% -8.22% 115,539 168,369 17.36% 17.00% 130,879 204,120 Inception date 8-Oct-95 First Installment date 1-Feb-96 Managing since 1-Apr-16 Inception date 28-Dec-15 First Installment date 1-Jan-16 Managing since 28-Dec-15 Banking And Nifty Financial Services Fund Financial Services* Nifty 50 # Period Amt. Invested 180,000 41.65% 42.89% 145,332 241,177 32.67% 32.30% 140,078 225,966 16.73% 17.21% 130,496 204,417 Inception date 28-Dec-15 First Installment date 1-Jan-16 Managing since 28-Dec-15 Period Amt. Invested 2,500,000 Inception date 24-May-96 Ethical Fund Nifty 500 Shariah* Nifty 50 # 9.72% 126,155 6.94% 399,802 13.57% 842,629 18.66% 24,241,000 20.31% 132,679 13.28% 438,632 16.11% 897,074 7.43% 5,797,190 16.73% 130,496 9.14% 412,975 11.39% 798,527 12.75% 11,244,250 First Installment date 1-Sep-96 Managing since 2-Jan-12 SIP Performance of schemes managed by Naresh Kumar Gilt Mid Term Fund I-Sec Composite Index* Crisil 10 Yr Gilt Index # Gilt Securities Fund I-Sec Composite Index* Crisil 10 Yr Gilt Index # Period Amt. Invested Period Amt. Invested 7.16% 124,554 8.54% 125,420 8.19% 125,197 11.67% 127,370 8.54% 125,420 8.19% 125,197 9.51% 415,226 10.43% 420,853 10.34% 420,295 10.92% 423,824 10.43% 420,853 10.34% 420,295 10.15% 774,265 10.34% 777,826 9.48% 761,409 10.78% 786,392 10.34% 777,826 9.48% 761,409 840,000 10.04% 1,200,429 10.01% 1,199,181 8.73% 1,145,911 2,130,000 8.18% 4,653,172 8.25% 4,683,392 7.09% 4,171,688 Inception date 24-Jun-10 First Installment date 1-Jul-10 Managing since 1-Apr-17 Inception date 6-Sep-99 First Installment date 1-Oct-99 Managing since 1-Apr-17 SIP Performance of schemes managed by Murthy Nagarajan Balanced Fund CRISIL Balanced Fund Crisil Composite Bond S&P BSE Sensex - Aggressive Index* # Medium Term Fund Fund Index* Crisil 10 Yr Gilt Index # Period Amt. Invested Period Amt. Invested 2,570,000 10.93% 10.46% 16.23% 17.86% 126,912 421,069 899,633 24,112,015 14.09% 9.76% 11.19% 10.65% 128,873 416,739 794,509 9,219,931 17.36% 8.38% 10.69% 12.50% 130,879 408,391 784,760 11,735,317 1,740,000 8.15% 8.93% 9.05% 7.45% 125,177 411,705 753,361 3,073,445 9.05% 10.41% 10.20% 7.91% 125,737 420,729 775,183 3,188,245 8.19% 10.34% 9.48% 7.05% 125,197 420,295 761,409 2,977,903 Inception date 8-Oct-95 First Installment date 1-Feb-96 Managing since 1-Apr-17 Inception date 11-Nov-02 First Installment date 1-Jan-03 Managing since 1-Apr-17 Note * Benchmark;# Additional benchmark; Amount invested denotes value of standard investment of 10,000 per month. Refer to page number 48 for disclaimer on scheme performance. 42
SCHEME PERFORMANCE SIP Performance of Open Ended Schemes SIP Performance of schemes managed by Murthy Nagarajan (contd.) Nifty 50 Index (35%),Crisil Liquid Retirement Savings Crisil Fund Index (30%), Crisil Short Saving Equity Fund S&P BSE Sensex # Term Bond Fund Index (35%)* Fund - Conservative Plan MIP Blended Index* Crisil 10 Yr Gilt Index # Period Amt. Invested Period Amt. Invested 2,060,000 7.45% 7.15% 7.40% 6.93% 124,736 400,994 723,012 3,877,624 10.65% 8.67% 9.75% 9.89% 126,740 410,135 766,596 5,172,675 17.36% 8.34% 10.67% 13.50% 130,879 408,162 784,382 7,427,739 670,000 12.45% 11.48% 12.04% 11.86% 127,855 427,281 811,422 935,049 10.23% 10.31% 10.49% 10.40% 126,474 420,112 780,863 897,829 8.19% 10.34% 9.48% 9.28% 125,197 420,295 761,390 869,943 Inception date 27-Apr-00 First Installment date 1-May-00 Managing since 1-Apr-17 Inception date 1-Nov-11 First Installment date 1-Dec-11 Managing since 1-Apr-17 Retirement Savings CRISIL Balanced Fund Fund - Moderate Plan - Aggressive Index* S&P BSE Sensex # Period Amt. Invested 670,000 23.75% 17.01% 20.52% 20.16% 134,761 462,614 998,683 1,176,452 14.09% 9.76% 11.18% 11.31% 128,873 416,739 794,400 920,960 17.36% 8.38% 10.68% 11.03% 130,879 408,391 784,571 913,647 Inception date 1-Nov-11 First Installment date 1-Dec-11 Managing since 1-Apr-17 Period Amt. Invested 1,780,000 Inception date 8-Aug-02 Short Term Bond Fund Crisil Short Term Bond Fund Index* Crisil 1 Yr T-Bill Index # 7.42% 124,715 7.86% 124,991 5.96% 123,799 8.30% 407,892 8.80% 410,908 7.06% 400,467 8.75% 747,810 9.04% 753,250 7.30% 721,218 8.32% 3,424,105 7.97% 3,326,653 6.38% 2,924,240 First Installment date 1-Sep-02 Managing since 1-Apr-17 Retirement Savings Fund - Progressive Plan S&P BSE Sensex* Period Amt. Invested 670,000 27.81% 18.37% 20.00% 19.52% 137,194 471,510 986,388 1,156,102 17.36% 8.38% 10.68% 11.03% 130,879 408,391 784,571 913,647 Inception date 1-Nov-11 First Installment date 1-Dec-11 Managing since 1-Apr-17 SIP Performance of schemes managed by Rupesh Patel Dividend Yield Fund Nifty 500* Nifty 50 # India Consumer Fund Nifty India Consumption* Nifty 50 # Period Amt. Invested Period Amt. Invested 22.70% 134,131 20.04% 132,514 16.73% 130,496 42.28% 145,694 22.84% 134,215 16.73% 130,496 15.05% 449,882 12.24% 432,086 9.14% 412,975 17.70% 932,541 14.55% 863,276 11.39% 798,527 1,510,000 Inception date 22-Nov-04 15.78% 4,382,228 11.57% 3,264,499 10.68% 3,070,434 First Installment date 1-Dec-04 Managing since 7-Jun-13 180,000 Inception date 28-Dec-15 37.29% 233,123 20.90% 209,681 17.21% 204,417 First Installment date 1-Jan-16 Managing since 28-Dec-15 Period Amt. Invested 2,920,000 Inception date 25-Feb-93 Equity Opportunities Fund S&P BSE 200* S&P BSE Sensex # 16.61% 130,421 18.61% 131,643 17.36% 130,879 12.60% 434,360 11.36% 426,624 8.38% 408,391 17.17% 920,651 13.64% 844,202 10.69% 784,760 17.66% 34,202,120 13.20% 17,622,317 11.85% 14,459,350 First Installment date 1-Mar-93 Managing since 7-Jun-13 India Pharma And Healthcare Fund Nifty Pharma* Nifty 50 # Period Amt. Invested 180,000-9.63% -8.59% 113,715 167,856-19.07% -15.47% 107,345 158,130 16.73% 17.21% 130,496 204,417 Inception date 28-Dec-15 First Installment date 1-Jan-16 Managing since 28-Dec-15 Note * Benchmark;# Additional benchmark; Amount invested denotes value of standard investment of 10,000 per month. Refer to page number 48 for disclaimer on scheme performance. 43
SCHEME PERFORMANCE SIP Performance of schemes managed by Rupesh Patel (contd.) India Tax Savings Fund S&P BSE Sensex* S&P BSE Sensex # Period Amt. Invested 2,520,000 23.54% 17.58% 20.98% 20.53% 134,638 466,331 1,010,059 32,012,646 17.36% 8.38% 10.69% 12.61% 130,879 408,391 784,760 11,280,840 Inception date 31-Mar-96 First Installment date 1-Jul-96 Managing since 1-Apr-15 Period Amt. Invested 2,760,000 Inception date 01-Jul-94 Nifty Free Mid Cap Growth Fund Float Midcap 100* Nifty 50 # 22.37% 133,926 23.83% 134,812 16.73% 130,496 15.44% 452,372 18.47% 472,193 9.14% 412,975 24.03% 1,087,110 21.38% 1,019,954 11.39% 798,527 17.72% 18,538,180 16.43% 15,971,549 12.43% 10,172,419 First Installment date 01-Jul-94 Managing since 27-Jun-17 Infrastructure Fund Nifty 500* Nifty 50 # Resources & Energy Fund Nifty Commodities* Nifty 50 # Period Amt. Invested Period Amt. Invested 19.80% 132,370 20.04% 132,514 16.73% 130,496 14.22% 128,952 13.58% 128,558 16.73% 130,496 14.36% 445,492 12.24% 432,086 9.14% 412,975 17.32% 924,083 14.55% 863,276 11.39% 798,527 1,490,000 Inception date 31-Dec-04 10.75% 3,012,746 11.49% 3,168,860 10.57% 2,976,893 First Installment date 1-Feb-05 Managing since 1-Jan-14 180,000 Inception date 28-Dec-15 21.49% 210,517 23.55% 213,455 17.21% 204,417 First Installment date 1-Jan-16 Managing since 28-Dec-15 SIP Performance of schemes managed by Sonam Udasi Banking And Financial Services Fund Nifty Financial Services* Nifty 50 # Period Amt. Invested 180,000 41.65% 42.89% 145,332 241,177 32.67% 32.30% 140,078 225,966 16.73% 17.21% 130,496 204,417 Inception date 28-Dec-15 First Installment date 1-Jan-16 Managing since 1-Apr-16 Index Fund - Nifty Plan Nifty 50* Period Amt. Invested 1,710,000 16.99% 9.31% 11.38% 12.35% 130,654 414,008 798,310 4,407,603 16.73% 9.14% 11.39% 12.29% 130,496 412,975 798,527 4,386,135 Inception date 25-Feb-03 First Installment date 1-Apr-03 Managing since 1-Apr-16 Digital India Fund S&P BSE IT* S&P BSE Sensex # Index Fund - Sensex Plan S&P BSE Sensex* Period Amt. Invested Period Amt. Invested 1.35% 120,865-6.86% 115,539 17.36% 130,879 17.71% 131,093 17.36% 130,879 8.70% 410,343 8.38% 408,391 10.82% 787,310 10.69% 784,760 180,000 Inception date 28-Dec-15-2.48% 176,492-8.22% 168,369 17.00% 204,120 First Installment date 1-Jan-16 Managing since 1-Apr-16 1,710,000 Inception date 25-Feb-03 11.76% 4,201,989 12.21% 4,357,170 First Installment date 1-Apr-03 Managing since 1-Apr-16 Equity P/E Fund S&P BSE Sensex* India Consumer Fund Nifty India Consumption* Nifty 50 # Period Amt. Invested Period Amt. Invested 27.44% 136,978 17.36% 130,879 42.28% 145,694 22.84% 134,215 16.73% 130,496 20.85% 488,195 8.38% 408,391 24.51% 1,099,580 10.69% 784,760 1,560,000 Inception date 29-Jun-04 18.37% 5,702,530 10.86% 3,296,080 First Installment date 1-Jul-04 Managing since 1-Apr-16 180,000 Inception date 28-Dec-15 37.29% 233,123 20.90% 209,681 17.21% 204,417 First Installment date 1-Jan-16 Managing since 1-Apr-16 Note * Benchmark;# Additional benchmark; Amount invested denotes value of standard investment of 10,000 per month. Refer to page number 48 for disclaimer on scheme performance. 44
SCHEME PERFORMANCE SIP Performance of schemes managed by Sonam Udasi (contd.) Period Amt. Invested 180,000 Inception date 28-Dec-15 India Pharma And Healthcare Fund Nifty Pharma* Nifty 50 # -9.63% 113,715-19.07% 107,345 16.73% 130,496-8.59% 167,856-15.47% 158,130 17.21% 204,417 First Installment date 1-Jan-16 Managing since 1-Apr-16 Retirement Savings Fund - Conservative Plan Crisil MIP Blended Index* Crisil 10 Yr Gilt Index # Period Amt. Invested 670,000 12.45% 11.48% 12.04% 11.86% 127,855 427,281 811,422 935,049 10.23% 10.31% 10.49% 10.40% 126,474 420,112 780,863 897,829 8.19% 10.34% 9.48% 9.28% 125,197 420,295 761,390 869,943 Inception date 1-Nov-11 First Installment date 1-Dec-11 Managing since 1-Apr-16 Saving Equity Fund Nifty 50 Index (35%),Crisil Liquid Fund Index (30%), Crisil Short Term Bond Fund Index (35%)* S&P BSE Sensex # Young Citizens Fund CRISIL Balanced Fund - Aggressive Index* Crisil 10 Yr Gilt Index # Period Amt. Invested Period Amt. Invested 7.45% 124,736 10.65% 126,740 17.36% 130,879 14.85% 129,340 14.09% 128,873 8.19% 125,197 7.15% 400,994 8.67% 410,135 8.34% 408,162 10.72% 422,676 9.76% 416,739 10.36% 420,449 7.40% 723,012 9.75% 766,596 10.67% 784,382 12.52% 821,172 11.19% 794,509 9.47% 761,388 2,060,000 Inception date 27-Apr-00 6.93% 3,877,624 9.89% 5,172,675 13.50% 7,427,739 First Installment date 1-May-00 Managing since 1-Apr-16 2,570,000 Inception date 14-Oct-95 13.05% 12,616,041 10.66% 9,219,931 6.71% 5,593,208 First Installment date 1-Feb-96 Managing since 1-Apr-16 Resources & Energy Fund Nifty Commodities* Nifty 50 # Period Amt. Invested 14.22% 128,952 13.58% 128,558 16.73% 130,496 180,000 Inception date 28-Dec-15 21.49% 210,517 23.55% 213,455 17.21% 204,417 First Installment date 1-Jan-16 Managing since 1-Apr-16 Retirement Savings CRISIL Balanced Fund Fund - Moderate Plan - Aggressive Index* S&P BSE Sensex # Period Amt. Invested 670,000 23.75% 17.01% 20.52% 20.16% 134,761 462,614 998,683 1,176,452 14.09% 9.76% 11.18% 11.31% 128,873 416,739 794,400 920,960 17.36% 8.38% 10.68% 11.03% 130,879 408,391 784,571 913,647 Inception date 1-Nov-11 First Installment date 1-Dec-11 Managing since 1-Apr-16 Retirement Savings Fund - Progressive Plan S&P BSE Sensex* Period Amt. Invested 670,000 27.81% 18.37% 20% 19.52% 137,194 471,510 986,388 1,156,102 17.36% 8.38% 10.68% 11.03% 130,879 408,391 784,571 913,647 Inception date 1-Nov-11 First Installment date 1-Dec-11 Managing since 1-Apr-16 Note * Benchmark;# Additional benchmark; Amount invested denotes value of standard investment of 10,000 per month. Refer to page number 48 for disclaimer on scheme performance. 45
SCHEME PERFORMANCE Lumpsum Performance of Close Ended Schemes Lumpsum Performance of schemes managed by Akhil Mittal Dual Advantage Fund - Scheme C 7.69% 8.05% 8.07% Inception date 27-Jun-14 10,769 12,616 12,633 Crisil MIP Blended Index* 12.07% 10.56% 10.64% 11,207 13,519 13,557 Crisil 10 Yr Gilt Index # 11.15% 11.15% 13,736 13,749 Managing since 01-Apr-17 FMP - Series 46 - Scheme D 8.59% 8.29% 8.50% Inception date 26-Dec-13 10,859 12,702 13,319 Crisil Composite Bond Fund Index* 11.47% 10.91% 11.31% 11,147 13,646 14,570 Crisil 10 Yr Gilt Index # 11.15% 11.12% 13,736 14,482 Managing since 01-Apr-17 Dual Advantage Fund - Series 2 - Scheme A 8.81% 8.87% Inception date 11-Sep-14 10,881 12,689 Crisil MIP Blended Index* 12.07% 10.43% 11,207 13,207 Crisil 10 Yr Gilt Index # 11.25% 13,483 Managing since 01-Apr-17 FMP - Series 46 - Scheme K 8.61% 8.28% 8.55% Inception date 05-Feb-14 10,861 12,698 13,218 Crisil Composite Bond Fund Index* 11.47% 10.91% 11.25% 11,147 13,646 14,367 Crisil 10 Yr Gilt Index # 11.15% 10.82% 13,736 14,180 Managing since 01-Apr-17 Dual Advantage Fund - Series 2 - Scheme B 9.36% 7.77% Inception date 04-Dec-14 10,936 12,123 Crisil MIP Blended Index* Crisil 10 Yr Gilt Index # 12.07% 9.29% 11,207 12,568 10.01% 12,781 Managing since 01-Apr-17 8.89% 8.48% 8.72% Inception date 20-Feb-14 FMP - Series 46 - Scheme M 10,889 12,769 13,243 Crisil Composite Bond Fund Index* 11.47% 10.91% 11.43% 11,147 13,646 14,384 Crisil 10 Yr Gilt Index # 11.15% 11.01% 13,736 14,203 Managing since 01-Apr-17 Dual Advantage Fund - Series 2 - Scheme C 8.65% 7.68% Inception date 05-Feb-15 10,865 11,944 Crisil MIP Blended Index* 12.07% 8.97% 11,207 12,288 Crisil 10 Yr Gilt Index # 9.39% 12,403 Managing since 01-Apr-17 8.73% 8.40% 8.64% Inception date 07-Mar-14 FMP - Series 46 - Scheme N 10,873 12,742 13,166 Crisil Composite Bond Fund Index* 11.47% 10.91% 11.45% 11,147 13,646 14,330 Crisil 10 Yr Gilt Index # 11.15% 11.07% 13,736 14,166 Managing since 01-Apr-17 Dual Advantage Fund - Series 3 - Scheme A 8.30% 7.13% Inception date 26-Mar-15 10,830 11,690 Crisil MIP Blended Index* 12.07% 9.54% 11,207 12,294 Crisil 10 Yr Gilt Index # 9.75% 12,348 Managing since 01-Apr-17 8.75% 8.39% 8.60% Inception date 12-Mar-14 FMP - Series 46 - Scheme Q 10,875 12,738 13,132 Crisil Composite Bond Fund Index* 11.47% 10.91% 11.35% 11,147 13,646 14,266 Crisil 10 Yr Gilt Index # 11.15% 10.87% 13,736 14,065 Managing since 01-Apr-17 FMP - Series 44 - Scheme D 8.84% 8.48% 8.66% Inception date 07-Oct-13 10,884 12,770 13,635 Crisil MIP Blended Index* 11.47% 10.91% 10.99% 11,147 13,646 14,756 Crisil 10 Yr Gilt Index # 11.15% 9.95% 13,736 14,247 Managing since 01-Apr-17 8.85% 8.46% 8.63% Inception date 20-Mar-14 FMP - Series 46 - Scheme R 10,885 12,761 13,120 Crisil Composite Bond Fund Index* 11.47% 10.91% 11.37% 11,147 13,646 14,242 Crisil 10 Yr Gilt Index # 11.15% 11.10% 13,736 14,129 Managing since 01-Apr-17 Note * Benchmark;# Additional benchmark; Amount in rupees denotes Value of Standard Investment of 10,000. Refer to page number 48 for disclaimer on scheme performance. 46
SCHEME PERFORMANCE Lumpsum Performance of schemes managed by Akhil Mittal (contd.) FMP - Series 46 - Scheme T 8.84% 8.46% 8.71% Inception date 24-Feb-14 10,884 12,762 13,225 Crisil Composite Bond Fund Index* 11.47% 10.91% 11.50% 11,147 13,646 14,396 Crisil 10 Yr Gilt Index # 11.15% 11.22% 13,736 14,277 Managing since 01-Apr-17 FMP - Series 47 - Scheme J 8.84% 8.54% 8.64% Inception date 04-Apr-14 10,884 12,788 13,082 Crisil Composite Bond Fund Index* 11.47% 10.91% 11.61% 11,147 13,646 14,274 Crisil 10 Yr Gilt Index # 11.15% 11.66% 13,736 14,298 Managing since 01-Apr-17 FMP - Series 47 - Scheme C 8.85% 8.52% 8.61% Inception date 26-Mar-14 10,885 12,784 13,097 Crisil Short Term Bond Fund Index* 11.47% 10.91% 11.30% 11,147 13,646 14,184 Crisil 10 Yr Gilt Index # 11.15% 11.04% 13,736 14,077 Managing since 01-Apr-17 FMP - Series 47 - Scheme D 8.84% 8.44% 8.61% Inception date 28-Mar-14 10,884 12,756 13,091 Crisil Composite Bond Fund Index* 11.47% 10.91% 11.29% 11,147 13,646 14,172 Crisil 10 Yr Gilt Index # 11.15% 11.09% 13,736 14,088 Managing since 01-Apr-17 FMP - Series 47 - Scheme E 8.82% 8.51% 8.63% Inception date 10-Apr-14 10,882 12,778 13,060 Crisil Short Term Bond Fund Index* 11.47% 10.91% 11.59% 11,147 13,646 14,244 Crisil 10 Yr Gilt Index # 11.15% 11.54% 13,736 14,221 Managing since 01-Apr-17 8.44% 8.44% 8.57% Inception date 17-Apr-14 FMP - Series 47 - Scheme F 10,844 12,756 13,015 Crisil Composite Bond Fund Index* 11.47% 10.91% 11.41% 11,147 13,646 14,141 Crisil 10 Yr Gilt Index # 11.15% 11.23% 13,736 14,064 Managing since 01-Apr-17 8.77% 8.63% 8.73% Inception date 30-Apr-14 FMP - Series 47 - Scheme H 10,877 12,822 13,037 Crisil Composite Bond Fund Index* 11.47% 10.91% 11.25% 11,147 13,646 14,022 Crisil 10 Yr Gilt Index # 11.15% 11.20% 13,736 14,002 Managing since 01-Apr-17 Note * Benchmark;# Additional benchmark; Amount in rupees denotes Value of Standard Investment of 10,000. Refer to page number 48 for disclaimer on scheme performance. 47
SCHEME PERFORMANCE Lumpsum Performance of schemes managed by Sonam Udasi Dual Advantage Fund - Scheme C Crisil MIP Blended Index* Crisil 10 Yr Gilt Index # Dual Advantage Fund - Series 2 - Scheme C Crisil MIP Blended Index* Crisil 10 Yr Gilt Index # 7.69% 8.05% 8.07% Inception date 27-Jun-14 10,769 12,616 12,633 12.07% 10.56% 10.64% 11,207 13,519 13,557 11.15% 11.15% 13,736 13,749 Managing since 01-Apr-16 Period 8.65% 7.68% Inception date 05-Feb-15 10,865 11,944 12.07% 8.97% 11,207 12,288 9.39% 12,403 Managing since 01-Apr-16 Dual Advantage Fund - Series 2 - Scheme A Crisil MIP Blended Index* Crisil 10 Yr Gilt Index # Dual Advantage Fund - Series 3 - Scheme A Crisil MIP Blended Index* Crisil 10 Yr Gilt Index # Period 8.81% 8.87% Inception date 11-Sep-14 10,881 12,689 12.07% 10.43% 11,207 13,207 11.25% 13,483 Managing since 01-Apr-16 Period 8.30% 7.13% Inception date 26-Mar-15 10,830 11,690 12.07% 9.54% 11,207 12,294 9.75% 12,348 Managing since 01-Apr-16 Dual Advantage Fund - Series 2 - Scheme B Crisil MIP Blended Index* Crisil 10 Yr Gilt Index # Period 9.36% 7.77% Inception date 04-Dec-14 10,936 12,123 12.07% 9.29% 11,207 12,568 10.01% 12,781 Managing since 01-Apr-16 Lumpsum Performance of schemes managed by Rupesh Patel Infrastructure Tax Saving Fund Nifty 500* Nifty 50 # 17.44% 10.94% 12.84% 11.32% Inception date 30-Mar-09 11,744 13,659 18,309 24,245 19.35% 10.50% 14.83% 17.12% 11,935 13,494 19,977 36,874 14.88% 7.74% 12.50% 15.11% 11,488 12,509 18,036 31,969 Managing since 01-Jan-14 Note * Benchmark;# Additional benchmark; Amount in rupees denotes Value of Standard Investment of 10,000. Refer to page number 48 for disclaimer on scheme performance. Disclaimer 1) Scheme returns in terms of CAGR are provided for past, s, s and since inception. 2) Point-to-point returns on a standard investment of 10,000/- are in addition to CAGR for the schemes. 3) Different plans shall have a different expense structure. The performance details provided herein are of regular plan. 4 ) stands for schemes in exixtance for more than but less than s 5) Period for which schemes performance has been provided is computed basis last day of the month - end preceding the date of advertisement. 6) Past performance may or may not be sustained in future. For computation of since inception returns the allotment V has been taken as 10.00 (Except for TLF, TFF, TTMF & TMMF where V is taken as 1,000). *All payouts during the period have been reinvested in the units of the scheme at the then prevailing V. Load is not considered for computation of returns. While calculating returns dividend distribution tax is excluded. Schemes in existence for less than, performance details for the same are not provided. Mutual Fund Investments are subject to market risks, read all Scheme related documents carefully. - data are not available for the period 48
SCHEME PERFORMANCE Past performance may or may not be sustained in future. After payment of dividend the V will fall to the extent of dividend payout and statutory levy, if any. (Unit face value - ` 10/-). Pursuant to allotment of bonus units, the V of the scheme would fall in proportion to the bonus units allotted & as a result the total value of units held by investor would remain the same. The Std. Dev., Sharpe Ratio, Jensen s Alpha,, & R-squared are based on one month return calculated using last s data. Price/Earning Ratio, Price/Book Value Ratio, are based on the historical earnings and accounting numbers, and have been computed only for the invested portion of the portfolio. Portfolio turnover has been computed as the ratio of the lower value of average purchase and average sales to the average net assets in the past one year (For schemes that have not completed one year, since inception is considered) Cash & Cash Equivalents includes CBLO, REPO, Fixed Deposits and Cash & Bank Balance. $-ICRA s mutual fund rating methodology is based on evaluating the inherent credit quality of the fund s portfolio. As a measure of the credit quality of a debt fund s assets. ICRA uses the concept of credit scores. These scores are based on ICRA s estimates of credit risk associated with each exposure of the portfolio taking into account its maturity. To quantify the credit risk scores, ICRA uses its database of historical default rates for various rating categories for various maturity buckets. The credit risk ratings incorporate ICRA s assessment of a debt fund s published investment objectives and policies, its management characteristics, and the creditworthiness of its investment portfolio. ICRA reviews relevant fund information on an ongoing basis to support its published rating opinions. If the portfolio credit score meets the benchmark of the assigned rating during the review, the rating is retained. In an event that the benchmark credit score is breached, ICRA gives a month s time to the debt fund manager to bring the portfolio credit score within the benchmark credit score. If the debt fund manager is able to reduce the portfolio credit score within the benchmark credit score, the rating is retained. If the portfolio still continues to breach the benchmark credit score, the rating is revised to reflect the change in credit quality. Note Media & Entertainment Sector includes stock of Navneet Education Ltd. which is approved by our Sharia advisors Dar-ul-Sharia. This Company is in the business of Publication of education related books & Stationery items. 49
DIVIDEND / BONUS HISTORY Equity P/E Fund (Before 30th September 2009) Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 23-09-2004 0.50 11.4449 25-03-2008 0.50 31.1969 Reg. Reg. V V (After Split under Dividend Option w.e.f. 1st Oct. 2009 - Dividend Trigger Option A (5%)) 26-11-2009 1.80 39.8535 15-01-2010 1.50 41.2148 27-08-2010 1.50 41.0426 03-09-2010 40.4276 11-10-2010 1.75 43.0925 10-01-2011 1.75 38.1627 13-04-2011 1.50 36.9789 11-07-2011 1.50 34.3724 08-11-2011 1.25 30.7136 20-01-2012 27.9373 16-04-2012 29.1452 11-07-2012 27.3998 12-10-2012 0.40 28.6604 11-01-2013 0.50 29.9969 0.50 30.0014 28-05-2013 0.50 27.0385 0.50 27.0932 30-09-2013 0.25 24.9834 0.25 25.1002 24-10-2013 0.32 26.5125 0.32 26.6491 10-01-2014 0.35 27.7315 0.35 27.9225 09-04-2014 11-07-2014 16-10-2014 12-01-2015 17-04-2015 11-07-2016 17-08-2016 14-10-2016 03-11-2016 08-02-2017 15-02-2017 13-04-2017 0.35 0.40 0.50 0.50 0.60 0.60 2.42 1.10 1.20 31.1352 38.2980 40.4649 46.1162 47.3644 48.8502 53.5858 53.2023 57.4249 0.35 0.40 0.50 0.50 0.60 0.60 2.50 1.05 1.06 31.4055 38.2980 40.9834 46.7900 48.1532 50.0432 52.7728 52.1309 54.3130 1.20 57.9403 (After Split under Dividend Option w.e.f. 1st Oct. 2009 - Dividend Trigger Option B (10%)) 15-01-2010 3.00 43.1703 27-08-2010 1.50 41.5023 11-10-2010 3.50 44.6825 13-04-2011 3.00 38.5898 02-02-2012 2.25 32.1223 16-04-2012 2.00 30.795 30-08-2012 28.1294 12-10-2012 0.80 29.3619 28-01-2013 0.80 30.1694 0.80 30.1773 09-04-2014 0.75 32.8529 0.75 33.1223 29-05-2014 11-07-2014 20-10-2014 12-01-2015 01-08-2016 13-02-2017 01-05-2017 0.80 0.95 0.95 4.75 3.05 1.10 37.3611 39.0904 41.1091 46.6071 51.1904 51.8642 54.5858* 0.80 0.95 0.95 4.60 3.05 1.10 37.7099 39.4969 41.6410 45.9176 52.3714 53.5812 56.6123* Dividend Yield Fund Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 Reg. Reg. V V 07-02-2005 0.40 11.0776 20-12-2005 14.2886 21-07-2006 11.9191 14-12-2007 23.8872 03-07-2009 1.50 16.2605 23-07-2010 2.00 22.4296 31-12-2010 1.50 22.8224 18-03-2011 18.8054 27-07-2011 19.9549 09-03-2012 18.6141 31-01-2013 27-02-2015 22-01-2016 03-02-2017 2.25 2.25 19.4567 29.1279 24.4357 29.3782 2.25 1.50 19.4666 29.5709 24.9806 30.2670 Large Cap Fund Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 Reg. Reg. V V 15-06-1999 1.60 14.3931 30-12-1999 10.00 24.813 19-07-2000 2.00 14.2437 30-09-2003 2.50 16.1903 03-12-2003 1.50 17.5102 07-01-2004 2.00 17.7633 25-03-2004 1.50 15.1738 02-12-2004 2.00 17.3620 27-04-2005 1.50 16.7626 17-01-2006 21.9085 01-06-2007 3.00 31.5816 17-04-2009 2.00 22.9656 09-07-2010 2.00 38.2936 02-03-2012 2.50 35.7849 22-02-2013 3.00 37.1119 3.00 37.1342 27-01-2014 19-01-2015 18-03-2016 17-02-2017 2.00 4.00 3.35 3.70 36.7714 49.5911 42.6650 46.0863 2.00 4.00 2.15 4.00 37.0296 50.2921 44.1396 49.9536 *as on 28 April, 2017 Past performance may or may not be sustained in future. After payment of dividend the V will fall to the extent of dividend payout and statutory levy, if any. (Unit face value - ` 10/-). Pursuant to allotment of bonus units, the V of the scheme would fall in proportion to the bonus units allotted & as a result the total value of units held by investor would remain the same. 50
DIVIDEND / BONUS HISTORY India Tax Savings Fund Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 Reg. Reg. V V 15-06-1999 2.00 16.891 14-01-2000 2.00 41.492 10-12-2003 23.977 20-10-2005 10.10 40.1923 14-12-2007 3.00 63.7228 04-09-2009 3.00 44.4002 22-01-2010 5.00 46.981 23-12-2011 2.00 41.0711 08-02-2012 1.50 43.2445 03-12-2012 1.50 47.4439 23-12-2013 19-12-2014 06-02-2015 26-02-2016 17-03-2017 2.00 2.75 2.85 9.00 9.00 48.7181 68.6750 70.7073 61.8351 72.3858 2.00 2.00 9.00 48.9612 69.0096 92.8200 Bonus History Bonus Units in March 2000 0101 Ethical Fund Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 Reg. Reg. V V 09-08-1999 13.3985 07-03-2000 2.50 29.7093 23-01-2004 1.50 16.6602 17-11-2006 2.50 41.8432 20-07-2007 2.00 49.3941 21-09-2007 4.00 49.7288 31-07-2009 2.00 36.707 22-10-2010 5.00 50.5873 26-04-2012 2.00 40.1006 07-12-2012 44.877 21-03-2014 05-12-2014 30-12-2015 3.00 5.50 4.75 52.6136 68.5591 66.8382 Bonus History Bonus Units in March 2000 0102 Balanced Fund Dividend Option Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 15-07-1999 1.25 12.9027 03-04-2000 2.50 20.0062 09-09-2003 1.25 19.0084 11-03-2004 1.50 22.6691 12-01-2005 3.00 24.7554 01-12-2006 4.00 40.5078 Reg. Reg. V V 13-07-2007 2.00 42.7533 07-12-2007 52.4219 24-04-2009 32.5227 19-03-2010 3.00 50.937 15-02-2012 3.00 53.6877 05-03-2013 5.50 56.8898 5.50 56.9342 21-03-2014 13-02-2015 08-03-2016 10-02-2017 3.25 8.60 5.75 6.30 58.7461 87.0819 67.0250 79.1022 3.25 8.60 5.75 6.30 59.2767 88.3172 68.4819 81.3161 Balanced Fund Monthly Dividend Option Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 13-08-2010 0.1000 51.3412 Reg. Reg. V V 13-09-2010 0.5173 53.1638 08-10-2010 0.5329 53.9529 12-11-2010 0.5482 54.0193 10-12-2010 0.5300 50.8391 14-01-2011 0.5135 49.1985 11-02-2011 0.4804 46.2226 11-03-2011 0.4697 46.6244 08-04-2011 0.4835 48.8005 13-05-2011 0.4705 47.9953 10-06-2011 0.4770 47.4998 08-07-2011 0.4795 48.1593 12-08-2011 0.8000 45.5027 09-09-2011 0.8000 44.5255 14-10-2011 0.2500 43.641 11-11-2011 0.3000 43.7191 09-12-2011 0.3000 41.6013 13-01-2012 0.3000 41.4199 10-02-2012 0.3000 44.1551 09-03-2012 0.3000 44.3462 13-04-2012 0.3000 43.9782 11-05-2012 0.3000 42.2765 08-06-2012 0.3000 42.6831 13-07-2012 0.3000 44.1681 10-08-2012 0.3000 44.5514 14-09-2012 0.3000 45.7662 12-10-2012 0.3500 46.8467 09-11-2012 0.3500 46.6436 14-12-2012 0.3500 47.8167 14-01-2013 0.3500 48.4127 0.3500 48.4404 08-02-2013 0.3500 46.4548 0.3500 46.4936 05-03-2013 0.3500 45.3818 0.3500 45.4322 03-04-2013 0.3500 44.7321 0.3500 44.7321 03-05-2013 0.3500 45.7388 0.3500 45.8346 05-06-2013 0.3500 46.1426 0.3500 46.2644 03-07-2013 0.3500 44.5114 0.3500 44.6494 05-08-2013 0.3500 42.8851 0.3500 43.0735 04-09-2013 0.2500 41.9112 0.2500 42.1607 03-10-2013 0.2500 44.5623 0.2500 44.8567 05-11-2013 0.2300 46.0275 0.2300 46.3088 04-12-2013 06-01-2014 0.2000 0.2500 45.7847 47.1149 0.2000 0.2500 46.0823 47.5278 05-02-2014 05-03-2014 03-04-2014 05-05-2014 04-06-2014 03-07-2014 05-08-2014 03-09-2014 30-09-2014 03-11-2014 03-12-2014 05-01-2015 04-02-2015 03-03-2015 01-04-2015 05-05-2015 03-06-2015 03-07-2015 05-08-2015 03-09-2015 01-10-2015 03-11-2015 09-12-2015 0.2000 45.4166 0.2000 45.8404 0.2000 47.378 0.2000 47.8459 0.2500 49.2444 0.2500 49.7425 0.2500 49.7024 0.2500 50.2374 0.3000 0.3000 0.3000 0.3500 0.3000 0.3000 0.3000 0.3000 0.3000 0.4700 0.4800 0.4600 0.4600 0.4500 0.4600 0.4600 0.4400 0.4500 0.4300 55.8113 59.4105 58.7937 61.4845 61.7928 63.5735 66.8698 67.0058 69.8159 72.6460 71.5057 68.9951 67.6390 69.1757 70.7089 66.6045 67.1021 66.6877 64.1480 0.3000 0.3000 0.3000 0.3500 0.3000 0.3000 0.3000 0.3000 0.3000 0.4700 0.4800 0.4600 0.4600 0.4500 0.4600 0.4600 0.4400 0.4500 0.4300 56.4367 60.1184 59.5357 62.2848 62.6254 64.4604 67.8294 68.0013 70.8848 73.7830 72.6615 70.1440 68.7928 70.4013 71.9936 67.8400 68.3604 67.9696 65.4071 Past performance may or may not be sustained in future. After payment of dividend the V will fall to the extent of dividend payout and statutory levy, if any. (Unit face value - ` 10/-). Pursuant to allotment of bonus units, the V of the scheme would fall in proportion to the bonus units allotted & as a result the total value of units held by investor would remain the same. 51
DIVIDEND / BONUS HISTORY 04-01-2016 03-02-2016 01-03-2016 04-04-2016 03-05-2016 02-06-2016 04-07-2016 04-08-2016 01-09-2016 07-10-2016 03-11-2016 09-12-2016 06-01-2017 07-02-2017 10-03-2017 17-04-2017 05-05-2017 02-06-2017 Monthly Dividend Option Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 Reg. Reg. V V 0.4100 0.3900 0.3900 0.4100 0.4200 0.4200 0.4000 0.4200 0.4400 0.4900 0.4900 0.4600 0.4500 0.4700 0.4700 0.4600 0.4600 0.4600 65.5624 61.7757 59.3893 62.7495 62.8585 64.4614 65.9106 67.8544 68.9401 69.3143 67.3652 64.8291 64.1027 66.8985 65.9414 68.3471 68.7184 68.8286 0.4100 0.3900 0.3900 0.4100 0.4200 0.4200 0.4000 0.4200 0.4400 0.4900 0.4900 0.4600 0.4500 0.4700 0.4700 0.4600 0.4600 0.4600 Infrastructure Fund Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 66.8673 63.0275 60.6055 64.0581 64.1921 65.8509 67.3557 69.3683 70.5262 70.9900 69.0592 66.5375 65.8538 68.7978 67.8836 70.4418 70.8731 71.0544 Reg. Reg. V V 07-07-2005 0.45 11.423 10-11-2006 1.50 22.04 09-03-2007 2.00 19.0546 14-09-2007 2.00 24.0726 11-03-2008 24.6787 25-09-2009 30.9984 23-03-2010 09-03-2015 11-03-2016 03-03-2017 0.60 2.30 1.75 2.25 22.2871 29.9675 22.9937 27.2949 1.75 2.50 25.2637 30.3821 Equity Opportunities Fund (Data provided since 2005) Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 Reg. Reg. V V 11-05-2005 15.8183 29-11-2005 20.135 20-03-2006 5.00 25.2299 12-04-2006 21.129 05-05-2006 21.4375 29-06-2007 23.3049 30-11-2007 31.1517 26-06-2009 1.50 18.9974 26-03-2010 2.00 24.1747 22-06-2010 0.50 22.0757 30-09-2010 23.9899 31-12-2010 0.50 22.491 23-03-2012 19.9545 07-03-2014 30-01-2015 1.20 2.75 24.0588 34.9030 1.20 2.75 24.2062 35.4231 12-02-2016 20-01-2017 2.35 2.50 27.7400 31.4974 Mid Cap Growth Fund (Earlier Growth Fund) Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 07-03-2014 30-01-2015 12-02-2016 2.35 27.7400 16-09-2004 0.80 13.9211 25-08-2006 2.00 24.5465 23-03-2007 10.00 26.731 16-11-2007 2.00 25.2763 21-12-2007 3.00 23.5461 14-05-2010 2.00 18.4055 28-11-2013 21-11-2014 30-12-2015 Reg. Reg. V V 1.20 2.75 2.75 2.50 24.0588 34.9030 19.358 34.7881 36.3854 Savings Equity Fund (Data provided since 2008) (Earlier known as Monthly Income Fund) Monthly Dividend Option 1.20 2.75 0.25 Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 16-01-2008 0.0468 12.1955 14-02-2008 0.0452 11.9962 17-03-2008 0.0499 11.873 15-04-2008 0.0452 11.8911 15-05-2008 0.0468 11.9193 16-06-2008 0.0499 11.7853 18-08-2008 0.0515 11.6523 15-09-2008 0.0336 11.6441 14-10-2008 0.0348 11.4095 29-10-2008 0.0187 11.2901 14-11-2008 0.0230 11.3999 15-12-2008 0.0595 12.004 15-01-2009 0.0595 12.0284 16-02-2009 0.0384 11.8638 16-03-2009 0.0336 11.924 15-04-2009 0.0432 12.3101 14-05-2009 0.0418 12.2781 15-06-2009 0.0614 12.4446 16-07-2009 0.0447 12.4387 14-08-2009 0.0557 12.3974 15-09-2009 0.0614 12.4156 14-10-2009 0.0418 12.3478 16-11-2009 0.0475 12.4267 15-12-2009 0.0418 12.396 15-01-2010 0.0447 12.4878 15-02-2010 0.0447 12.3171 15-03-2010 0.0403 12.2809 15-04-2010 0.0448 12.3349 14-05-2010 0.0419 12.3266 15-06-2010 0.0462 12.3229 15-07-2010 0.0505 12.3348 16-08-2010 0.0462 12.272 15-09-2010 0.0433 12.3329 14-10-2010 0.0419 12.305 15-11-2010 0.0400 12.3094 15-12-2010 0.0433 12.1697 17-01-2011 0.0400 12.1335 15-02-2011 0.0419 12.0581 15-03-2011 0.0337 11.996 15-04-2011 0.0598 12.1026 16-05-2011 0.0449 11.9725 24.2062 35.4231 19.4794 40.4505 Reg. Reg. V V Past performance may or may not be sustained in future. After payment of dividend the V will fall to the extent of dividend payout and statutory levy, if any. (Unit face value - ` 10/-). Pursuant to allotment of bonus units, the V of the scheme would fall in proportion to the bonus units allotted & as a result the total value of units held by investor would remain the same. 52
DIVIDEND / BONUS HISTORY Monthly Dividend Option Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 Reg. Reg. V V 16-06-2011 0.0434 11.913 15-07-2011 0.0434 12.0924 16-08-2011 0.0463 12.0332 15-09-2011 0.058 12.0023 17-10-2011 0.0463 11.9024 15-11-2011 0.042 11.8737 15-12-2011 0.0434 11.9700 16-01-2012 0.0463 12.0356 15-02-2012 0.0434 12.2860 15-03-2012 0.042 12.1817 16-04-2012 0.0463 12.2263 15-05-2012 0.042 12.1879 15-06-2012 0.0449 12.2437 16-07-2012 0.0449 12.3192 16-08-2012 0.0449 12.398 17-09-2012 0.0463 12.5021 15-10-2012 0.0405 12.6204 15-11-2012 0.0449 12.6205 17-12-2012 0.0463 12.7493 15-01-2013 0.056 12.9512 14-02-2013 0.058 12.8569 14-03-2013 0.0541 12.8211 15-04-2013 0.0523 12.8013 15-05-2013 0.0576 13.1695 14-06-2013 0.0513 13.0571 15-07-2013 0.0529 12.9694 16-08-2013 0.0546 12.4066 16-09-2013 0.0529 12.5641 15-10-2013 0.0496 12.7097 15-01-2014 0.0513 12.7377 13-02-2014 0.0496 12.5511 12-03-2014 0.0461 12.6694 15-04-2014 0.0581 12.6933 15-05-2014 0.0513 12.8391 12-06-2014 15-07-2014 12-08-2014 15-09-2014 16-10-2014 13-11-2014 14-01-2015 12-02-2015 12-03-2015 15-04-2015 14-05-2015 12-06-2015 15-07-2015 07-10-2016 03-11-2016 09-12-2016 06-01-2017 07-02-2017 10-03-2017 17-04-2017 05-05-2017 02-06-2017 0.0478 0.0563 0.0478 0.0581 0.0509 0.0446 0.0478 0.0462 0.0446 0.0541 0.0459 0.0459 0.0522 0.1000 0.1000 0.1000 0.1000 0.1000 0.1000 0.0750 0.0750 0.0750 13.1413 13.0827 13.0602 13.2548 13.2927 13.5226 13.8422 14.0271 14.0421 14.0413 13.8441 13.6730 13.8253 14.7280 14.6112 14.4908 14.4300 14.5621 14.4716 14.6259 14.6477 14.6018 0.0478 0.0563 0.0478 0.0581 0.0509 0.0446 0.0478 0.0462 0.0446 0.0541 0.0459 0.0459 0.0522 0.1000 0.1000 0.1000 0.1000 0.1000 0.1000 0.0750 13.1430 13.094 13.0792 13.2813 13.3304 13.5704 13.9058 14.1014 14.1261 14.1222 13.9343 13.7673 13.9281 15.0323 14.9320 14.8278 14.7802 14.9321 14.8550 15.1806 Young Citizens Fund Bonus History Bonus Units in March 1999 0103 Bonus Units in March 2000 0102 Bonus Units in Nov 2003 0104 Bonus Units in Nov 2007 0102 Bonus Units in Nov 2010 0103 Bonus Units in Nov 2011 0105 Date of Declaration of dividend 16-12-2016 17-03-2017 15-06-2017 Quarterly Dividend Option Dividend p.u. (`) on Face Value of ` 10 Reg. Reg. V V 0.3000 0.3000 0.2200 14.6630 14.7763 14.8165 0.3000 0.3000 0.2200 15.4058 15.5741 15.6701 Past performance may or may not be sustained in future. After payment of dividend the V will fall to the extent of dividend payout and statutory levy, if any. (Unit face value - ` 10/-). Pursuant to allotment of bonus units, the V of the scheme would fall in proportion to the bonus units allotted & as a result the total value of units held by investor would remain the same. 53
HOW TO READ A FACT SHEET SCHEDULE 3 Fund Manager An employee of the asset management company such as a mutual fund or life insurer, who manages investments of the scheme. He is usually part of a larger team of fund managers and research analysts. Application Amount for Fresh Subscription This is the minimum investment amount for a new investor in a mutual fund scheme. Minimum Additional Amount This is the minimum investment amount for an existing investor in a mutual fund scheme. Yield to Maturity The Yield to Maturity or the YTM is the rate of return anticipated on a bond if held until maturity. YTM is expressed as an annual rate. The YTM factors in the bond s current market price, par value, coupon interest rate and time to maturity. SIP SIP or systematic investment plan works on the principle of making periodic investments of a fixed sum. It works similar to a recurring bank deposit. For instance, an investor may opt for an SIP that invests Rs 500 every 15th of the month in an equity fund for a period of three years. V The V or the net asset value is the total asset value per unit of the mutual fund after deducting all related and permissible expenses. The V is calculated at the end of every business day. It is the value at which the investor enters or exits the mutual fund. Benchmark A group of securities, usually a market index, whose performance is used as a standard or benchmark to measure investment performance of mutual funds, among other investments. Some typical benchmarks include the Nifty, Sensex, BSE200, BSE500, 10-Year Gsec. Entry Load A mutual fund may have a sales charge or load at the time of entry and/or exit to compensate the distributor/agent. Entry load is charged at the time an investor purchases the units of a mutual fund. The entry load is added to the prevailing V at the time of investment. For instance, if the V is 100 and the entry load is 1%, the investor will enter the fund at Rs 101. Exit Load Exit load is charged at the time an investor redeems the units of a mutual fund. The exit load is reduced from the prevailing V at the time of redemption The investor will receive redemption proceeds at net value of V less Exit Load. For instance, if the V is Rs 100 and the exit load is 1%, the investor will receive Rs 99. Modified Duration Modified duration is the price sensitivity and the percentage change in price for a unit change in yield. Standard Deviation Standard deviation is a statistical measure of the range of an investment s performance. When a mutual fund has a high standard deviation, its means its range of performance is wide, implying greater volatility. Sharpe Ratio The Sharpe Ratio, named after its founder, the Nobel Laureate William Sharpe, is a measure of risk-adjusted returns. It is calculated using standard deviation and excess return to determine reward per unit of risk. Beta Beta is a measure of an investment s volatility vis-à-vis the market. Beta of less than 1 means that the security will be less volatile than the market. A beta of greater than 1 implies that the security s price will be more volatile than the market. AUM AUM or assets under management refers to the recent / updated cumulative market value of investments managed by a mutual fund or any investment firm. Holdings The holdings or the portfolio is a mutual fund s latest or updated reported statement of investments/securities. These are usually displayed in terms of percentage to net assets or the rupee value or both. The objective is to give investors an idea of where their money is being invested by the fund manager. Nature of Scheme The investment objective and underlying investments determine the nature of the mutual fund scheme. For instance, a mutual fund that aims at generating capital appreciation by investing in stock markets is an equity fund or growth fund. Likewise, a mutual fund that aims at capital preservation by investing in debt markets is a debt fund or income fund. Each of these categories may have sub-categories. Rating Profile Mutual funds invest in securities after evaluating their creditworthiness as disclosed by the ratings. A depiction of the mutual fund in various investments based on their ratings becomes the rating profile of the fund. Typically, this is a feature of debt funds. R-Squared R-squared measures the relationship between a portfolio and its benchmark. It is simply a measure of the correlation of the portfolio s returns to the benchmark s returns. Ratio Ratio is a measurement of efficiency utilizing the relationship between annualized risk-adjusted return and risk. Unlike Sharpe Ratio, Ratio utilizes market risk (beta) instead of tatal risk (standard deviation). Jensen Alpha A measure of the difference between a fund s actual returns and its expected performance, given its level of risk as measured by beta. Jensen s Alpha is equivalent to the alpha derived from regressing the same or portfolio s returns in excess of the risk free rate against the market return in excess of the risk free rate. 54
Investment Manager TATA ASSET MAGEMENT LTD. Trustee TATA TRUSTEE COMPANY LTD. E-mail service@tataamc.com Website Corporate Identity Number TAML U65990-MH-1994-PLC-077090, TTCL U65991-MH-1995-PLC-087722 BRANCH CONTACT DETAILS free at 1800-209-0101 SMS TMF to 57575 West Zone Mumbai Asset Management Ltd., Mulla House, Ground Floor, 51, M.G. Road, Near Flora Fountain, Mumbai - 400 001. Tel. 022-66315191/92/93, Fax 022-66315194. Borivali Shop No.6, Kapoor Apartment, Punjabi Lane and Chandavarkar Road Junction, Borivali West, Mumbai 400 092. Tel. 022-65278852. Thane Shop No. 9, Konark Tower, Ghantali Road, Thane (W) 400 602. Tel. 022 65140081. Ahmedabad 402, Megha House, Mithakhali - Law Garden Road, Netaji Marg, Ahmedabad - 380 006. Tel. 079-6541 8989/ 6544 7799. Fax 079-2646 6080. Pune Asset Management Ltd., Office No 33, 3rd Floor, Yashwant, Opp Lane No. 9, Prabhat Road, Pune 411 004. Tel. 02041204949, Telefax- 41204953. Surat Ground floor, G - 18, ITC Building, Near Majuragate, Ring road, Surat 395 002. Tel. 0261-6554418 / 19, Fax 0261-2470326. Vadodara 304, 3rd Floor, TITHI Complex, Opposite Baroda Productivity Council, Productivity Road, Alkapuri. Vadodara - 390007. Tel. 0265-6641888/2356114, Fax 0265-6641999. Rajkot Arhant Plaza, 201, 2nd Floor, Subhash Road, Near Moti Taki, Rajkot - 360001. Tel. 0281-6624848/6544949. Indore 204, D M Tower, 21/1 Race Course Road, Near Janjeerwala Chourha, Indore - 452 003. Tel. 0731-4201806, Fax 0731-4201807. Bhopal Asset Management Ltd., MF-12, Block-A, Mansarovar Complex, Near Habibganj Railway Station, Bhopal - 462 016. Tel. 0755-2574198/3050438. Nashik 5, Samriddhi Residency, Opp Hotel City Pride, Tilakwadi, Nashik - 422 002. Tel. 0253-6605138 / 0253-6510315, Fax 0253-2579098. Goa Asset Mangement Ltd, F- 4, 1st Floor, Edcon Tower, Next to Hotel Salida Del Sol, Near Apple Corner, Menezes Braganza Road, Panaji - Goa 403 001. Tel. 0832-6451135/36. Jabalpur TATA Asset Management Ltd., Office No. 4, 1178, Napier Town, Home Science College Road, Jabalpur - 482 001(M.P.). Tel. 0761-4074263. Nagpur 102, Shivaji Complex, Near Times of India, Dharampeth, WHC Road, Nagpur 440 010, Tel. 0712-663 0245 / 650 2885. Jamnagar 202 Manek Centre, 2nd Floor, P N Marg, Jamnagar 361 001. Tel. 0288 2673111. East Zone Bhilai Shop No.145, Ground Floor, Chauhan Estate, Near HDFC Bank, Bhilai - 490 001. Tel. 0788-2295625. Bhubaneswar Room-309, 3rd Floor, Janpath Tower, Ashok Nagar, Bhubaneswar - 751009. Tel. 0674-6450817. Dhanbad Shri Ram Plaza, 2nd Floor, Shop No.211, Bank More, Dhanbad, Jharkhand-826001. Tel. 9234302478/0326-2300304. Durgapur Landmark Building (Phase II), Second Floor, Above Punjab National Bank, Opp. Central Library, Shahid Khudiram Sarani, City Centre, Durgapur 713216. Tel. 0343-2544463 /0343-6454797. Guwahati 109, 1st Flr, Orion Tower, Christian Basti, G S Road, Guwahati - 781 005 (Assam). Tel. 0361-2343084. Kolkata Apeejay House, Ground Floor, 15, Park Street, Kolkata -700016. Tel. 033-4406 3333 / 3300. Fax 033-4406 3315. Jamshedpur Voltas House, Mezzanine Floor, Main Road, Bistupur, Jamshedpur - 831001. Tel. 06572321302/41/12/63. Patna 605, 6th Flr, Ashiana Hariniwas, New Dak Bunglow Chowk, Patna - 800 001. Tel. 0612-2206497. Raipur 331 & 332, 3rd Flr, Lalganga Shopping Mall, G E Road, Raipur - 492 001 (Chhattisgarh). Tel. 0771-2543354. Ranchi 406-A, 4th Floor, Satya Ganga Arcade, Sarjana Chowk, Lalji Hirji Road, Ranchi 834001. Tel. 06516571010/2210226. Siliguri Lower Ground Flr., Nanak Complex, Sevoke Road, Siliguri 734001. Tel. 0353-2522275 / 6512275. North Zone Agra Ground Floor, Block - 44/G 108, Sanjay Complex, Sanjay Place, Agra 282 002. Tel.- 0562-2525195. Allahabad Shop No. 10, Upper Ground Floor, Vashistha Vinayak Tower, Tashkand Marg, Civil Lines, Allahabad-211001. Tel. - 0532-6451122/2260974. Amritsar Mezzanine floor, S.C.O 25, B Block, District Shopping Complex, Ranjit Avenue, Amritsar 143 001. Tel. 9646005381. Chandigarh SCO 2473-74, 1st Floor, Sector 22 C, Chandigarh 160 022. Tel. 0172-5087322 /6450322/2605320, Fax 0172 2603770. Dehradun Shop No. 19, Ground Floor,Shree Radha Palace, 78, Rajpur Road, Dehradun-248001, Uttarakhand. Tel. 0135-6450877. Jaipur 233, 2nd Floor, Ganpati Plaza, M I Road, Jaipur - 302 001. Tel. 0141-5105177 / 78 / 2389387 / 6539009, Fax 5105178. Kanpur 4th floor, Office no. 412-413, KAN Chambers, 14 / 113, Civil Lines, Kanpur - 208 001. Tel. 0512-2306066, Fax 0512-2306065. Delhi Flat No. G H, 9th Floor, Vandana Building, 11 Tolstoy Marg, Connaught Place, New Delhi - 110001. Tel. 011-66324111/102/103/104/105, Fax 011-66303202. Lucknow Office No.2, Saran Chambers-I, 1st Floor, 5,Park Road, Lucknow - 226 001. Tel. 0522-6452432/4001731, Fax 0522-2235386. Ludhiana Cabin No. 201, 2nd. Floor, SCO 18, Opp Ludhiana Stock Exchange, Feroze Gandhi Market, Ludhiana - 141 001. Tel. 0161-5089667/6503366, Fax 0161-2413498. Moradabad Asset Management Ltd., 2nd floor, Near Hotel Rajmahal, Civil Lines, Moradabad 244 001, Tel. 0591-2410667, 6535002. Jodhpur Ground Floor, Jaya Enclave, 79/4, Opp IDBI Bank, 1st A Road, Sardarpura, Jodhpur - 342 001. Tel. 0291-6450555/2631257, Fax 0291-2631257. Udaipur Office No - 4, 2nd Floor, Madhav Appartment, Opp GPO, Chetak Circle, Udaipur - 313 001. Tel. 0294-6450979/ 2429371, Fax 0294-2429371. Varanasi D-64/127, 2nd Floor, C-H Arihant Complex, Sigra, Varanasi 221010 Tel. 0542-2222179. Jalandhar Premises No.32, 5th Floor, City Square Building, EH - 197, Civil Lines, Jalandhar- 144 001. Tel. 0181-5001024/25. Ajmer 2nd Floor, 42, K. C. Complex, Daulat Bagh Road, Sunder Vilas, Ajmer 305 001. Tel. 0145-262 5316. Kota Unit No. 26, 1st Floor, Mehta Compound, Jhalawar Road, Kota 324 007. Tel. 0744-236 2548. Meerut G-13, Rama Plaza, Near Bachha Park, Western Kutchery Road, Meerut (U.P.) 250 001. South Zone Bangalore Unit 3A, 4th Floor, Sobha Alexander, 16 / 2-6, Commissariat Road, Bangalore 560025. Tel. 080-66561313 / 65335986 / 65335987, Fax 080-22370512. Calicut C-8 & 9, Friends Commercial Complex, Near Federal Towers,Arayadathu Palam, Mavoor Road, Calicut - 673016. Tel. 0495-6450508. Chennai TATA Asset Management Ltd, Riaz Garden, 3rd Floor, No29, Kodambakkam High Road, Near Palmgrove Hotel, Nungambakkam, Chennai - 600 034. Tel. 044-64541868/69/78. Fax 044-43546313. Cochin 2nd Floor, Ajay Vihar, JOS Junction, M. G. Road, Cochin - 682 016. Tel. 0484-6467813/14/15/16. Fax 0484-237 7581. Coimbatore Tulsi Chambers, 195 F, Ground Floor, West T V Swamy Road, R S Puram, Coimbatore 641002. Tel. 0422-6502133/44, 4365635, Fax 2546585. Hyderabad 2nd floor, Room no. 211, Babukhan Mall, Opp. Kalaniketan, Somajiguda, Hyderabad 500 082. Tel. 040-6730 8989. Fax 040-67308990. Hubli No 19 & 20, 1st floor, Eureka Junction, T B Road, Hubli 580029. Tel. 0836-6450342 Fax 4251510. Kottayam C S I Ascention Square, Collectrorate P. O., Kottayam - 686 002. Tel. 9447559230. Mangalore Asset Management Ltd., Essel Towers, 1st Floor, Bunts Hostel Circle, Above UTI Bank, Mangalore - 575 003. Tel. 0824-6450308. Madurai 1st Floor, 11B Old, Goods Shed Street Rear, Opp. Sethupathy Higher Secondary School, North Veli Street, Madurai 625 001. Tel. 0452-6454330 Fax 0452-4246315 Mysore CH-16, 1st Floor, Prashanth Plaza, 4th Main, 5th Cross, Saraswathipuram, Mysore - 570009. Tel. 0821-6450470 Fax 4246676. Salem Raj Towers, Ground Floor, No 4, Brindavan Road, Fairlands, Salem - 636 016. Tel. 0427-6451653 Fax 4042028. Trivandrum Ground Floor, Sai Kripa Building, TC-1956/3, Ganapthi Temple Road, Vazhuthacaud, Trivandrum 695 014. Tel. 0471-6535431 Fax 0471-2319139 Trichy No.60/3, 'Krishna', 2nd Floor, Sastri Main Road,Tennur, Trichy - 620 017. Tel. 04316455060. Thrissur 4th Floor, Pathayappura buildings, Round South, Thrissur - 680 001. Tel. 0487-6451286. Vijaywada Ground Floor, D. no.40 13 5, Sri Rama Chandra Complex, Chandra Mouli Puram, M. G. road, Benz Circle, Vijayawada 520 010. Tel. 0866-6532621. Vishakapatnam Door no. 47-15-14 & 15, Shop no. 102 B, Ground floor, V R C Complex, Opp. T S R Complex, Next to Andhra Bank, Visakhapatnam 530 016. Tel. 0891 6451883 Fax 0891-2503292. Puducherry Jayalakshmi Complex, No. 6, 1st Floor, 116, Thiruvalluvar Salai Pillaithottam, Puducherry 605 013. Tel. 0413-650 2043 Mutual Fund investments are subject to market risks, read all scheme related documents carefully.