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 Investment objective Capital appreciation and current income by investing predominantly in fixed income instruments and some portions in equity/equity related instruments 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 March 2018, as both Sensex and Nifty were down by 3.6% respectively. The broader market; the BSE Midcap & the BSE 200 both performed in line with the Sensex with a performance of -3.6% and -3.5% respectively. In terms of sectors; Auto, Consumer Durables, Capital Goods, FMCG, and IT were the major outperformers whilst Banking, Healthcare, Metals, Oil & Gas, Power and Realty were the major underperformers. FIIs were net buyers in March, with net inflows to the tune of ~USD 1.8 bn. Consequently, the net FII flows CYTD have been ~ USD 2.2 bn. Net equity investments in March 2018 by domestic MFs in the market were ~USD 1.16 bn. 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 % 28-Mar-18 28-Feb-18 31-Mar-17 1 Month 10114 32969 15963 16994 4433 24057 27198 22262 18477 10290 13158 12101 13322 14614 2126 2230 10493 34184 16563 18128 4592 24832 28314 21187 19076 10506 14113 12506 15174 15506 2223 2468 9174 29621 14097 14434 3992 22013 24421 15257 16446 9270 15312 10366 11804 13564 2274 1600-3.6-3.6-3.6-6.3-3.5-3.1-3.9 5.1-3.1-2.1-6.8-3.2-12.2-5.7-4.4-9.7 10.2 11.3 13.2 17.7 11.0 9.3 11.4 45.9 12.3 11.0-14.1 16.7 12.9 7.7-6.5 39.4 Growth The Index of Industrial Production (IIP) grew 7.5% YoY in January 2018 against 7.1% in December 2017. Manufacturing sector, which accounts for more than three-fourths of the index grew 8.7% YoY in January 18 as compared with 8.5% in December 17, led by an improved production of consumer durables and continued growth of consumer non-durables (~10.5% YoY) as well as capital goods (~14.6% YoY). Inflation India s Wholesale Price Inflation (WPI) Index moderated to 2.5% YoY in February 2018 from 2.8% YoY in January 2018 with food inflation falling to 0.9% YoY from 3% YoY in the previous month. Consumer Price Inflation (CPI) index saw a similar trend it softened to 4.4% YoY in February from 5.1% in January on sequential contraction in retail food prices (3.3% in Feb versus 4.7% in Jan 18). Other macro developments Current account deficit (CAD) for Q3FY18 widened to ~2.0% of GDP (USD13.5bn) versus 1.2% recorded in the Q2FY18. The widening in CAD is led by deterioration in trade balance, reflecting the impact of rising gold, oil & electronics imports. Among invisibles, while software exports growth remains flat at USD 18.6 bn, remittances have grown at 14%-15% Y-o-Y in the past two quarters. The headline fiscal deficit narrowed marginally to 3.8% of GDP in February (on a 12-month trailing basis) from 3.9% of GDP in January. The April-February combined fiscal deficit is tracking at 120% of the revised estimate. In February 2017, the fiscal deficit was tracking at 3.7% of GDP (vs. target of 3.5%) and at 113% of the revised estimate. Market Outlook Equity markets continued to consolidate in the month of March driven by market concerns over a global trade war escalating, renewed concerns on asset quality in the banking system amid setbacks for the ruling party in India. The government investment agenda continued to be on track with strong awards momentum by the National Highway Authority of India (NHAI) awarding ~7,400 KM roads (~70% YoY) worth 1.22 tn. in FY18. This compares with the average award for the last five years by the NHAI of ~2,860 KM. NHAI had tendered over ~11,200 KM since the Bharatmala announcement, and it is expected that another ~3,000 KMs of projects are likely to be awarded in the near term. Going forward it is expected that consumption would remain one of the key growth drivers. Urban consumption has been strong so far, driven by moderate food inflation and interest rates. Rural consumption (driven by increasing food prices and revival in sectors such as construction) is also expected to see a gradual uptick, resulting in a broad based consumption growth. Risk of significant FII outflows on account of a major global risk off event remains a concern. However, it is important to note that India is much better placed and thus resilient in such an event given its stable macro-economic parameters. Crude oil prices and monthly GST collections would be key monitorables going forward. In terms of our portfolio positioning, we continue to remain overweight on direct and indirect beneficiaries of government push on sectors like roads, railways 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. We are also diversifying exposure to consumption plays across multiple themes. 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 28-Feb-2018 31-March-2018 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 7.73 8.27 8.02 6.28 7.23 7.54 39 33 7.40 8.17 7.87 6.11 7.08 7.37 63 34 (33) (10) (15) (17) (15) (17) 24 1 Sovereign bond market yields softened during the month due to lower CPI and reduction in FY2019 gross borrowing announcement in the last week of the month. Globally bond yields also softened due to less hawkish FOMC and fears of global trade war. US 10-year note touched a high of 2.94 before closing the period at 2.76 versus 2.90 at the beginning of the period. For the period under review India 10-year G-Sec yields softened by 33 bps and closed at 7.40. Corporate bonds also followed suite with 10-year and 5-year corporate bond yields softening by 10 bps and 15 bps respectively. Money market instruments at the shorter end of the curve saw 3-month Treasury bill softening by 17 bps and 3-month and 12-month CD yields fell by 15 bps and 17 bps respectively. Net FPI outflows in Indian debt market stood at 9043 crores for the month of March 2018. Crude oil prices firmed up during the month as greater compliance by OPEC (& non-opec) on production cuts and geo-political tension provided support. Brent Spot closed the period under review at 69.13 from 64.02 per barrel at the beginning of the period. On the macroeconomic data released during the period, February CPI inflation surprised on the lower side at 4.44% versus 5.1% for January. The fall in CPI was primarily due to sharp fall in vegetable prices. IIP for the month of January came at to 7.47% YoY vs. 7.07 %YoY in December, indicating a sustained growth recovery in progress. Government of India over-delivered on measures to calm the nervous bond market. Overall FY2019 gross borrowing via dated bonds has been reduced by Rs 500 billion to now Rs 5.56 trillion, with government increasing its funding requirement through the NSSF by additional Rs250 billion and reducing its buyback plan by Rs250 billion. Out of that, Rs2.88 trillion will be issued in H12019, implying ~51.8% of the revised FY2019 gross borrowing, as against the usual front-loading pattern of ~60-65%. H12018 had seen Rs3.72 trillion of gross issuances, ~64% of total gross borrowing. The bigger takeaway however was the reduction in concentration of supply in belly of the curve (10-14 year segment) to 29.2% of H1-2019 gross borrowing from ~52% in 1HFY18.The supply at the short end of the curve has increased, with a new 1-4 year segment bearing ~8.3% of the total H1-2019 issuances. The extreme long end of 20yr+ segment also sees 22.6% of total issuances (as against ~14% in H1-2018). Systemic liquidity tightened during the month due to advance tax outflows and GST outflows from almost neutral at the beginning to a deficit of 1.33 trillion at the end of the period in consideration. Going forward, we expect March CPI to come at around 4.1-4.3 % and rise thereafter due to unfavorable base effect. We expect the RBI to stay on hold in its April policy. We don t expect any further rate cuts by RBI as the inflation is accelerating and growth prospects are improving. Monsoon is expected to be normal as per Skymet, an Indian weather forecaster. This should keep headline CPI inflation under check as 48.5 % of the items in the CPI basket consists of food and related items. We expect 10-year G-sec yield to trade range-bound in near term, within a band of 7.00%-7.50% and 10-year Corporate bonds to trade in a range of 7.85%-8.25%. Short term rates which increased due to tightening liquidity conditions should come down in April with improving liquidity conditions. 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 TRI V - Growth - Dividend Reg - Growth Reg - Dividend 756.00 ( in Cr.) 765.78 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 23.59% 23.59% 1.05 2.74 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. VOLATILITY MEASURES^ FUND Sharpe Ratio 13.44-0.05 0.95 0.91-0.19-0.07 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 213.1143 48.4130 199.6330 43.5491 13.54-0.03-0.11 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer to Pg 49 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. Auto Ancillaries Motherson Sumi Systems Ltd. Banks HDFC Bank Ltd. ICICI Bank Ltd. State Bank Of India Kotak Mahindra Bank Ltd. Indusind Bank Ltd. Yes Bank Ltd. Cement Ultratech Cement Ltd. Grasim Industries Ltd. Construction Project Larsen & Toubro Ltd. Consumer Non Durables ITC Ltd. Hindustan Unilever Ltd. Eveready Industries India Ltd. Finance Bajaj Finance Ltd. Housing Development Finance Ltd. Gas Gail ( India ) Ltd. Healthcare Services Max India Ltd. Industrial Capital Goods Bharat Electronics Ltd. Siemens Ltd. No. of Shares 34000 442000 352000 461000 1594750 947000 200000 80000 468640 47000 98000 164350 1422500 116000 414000 80000 71000 411554 1020000 1347000 92000 Lakhs 75507.35 3013.47 1447.33 1097.36 8719.58 4439.78 2368.45 2097.20 1436.48 1428.88 1855.49 1033.02 2156.11 3640.18 1549.64 1540.49 1415.80 1295.32 1352.37 850.17 1913.41 987.21 % of Assets 99.88 3.99 1.91 1.45 11.53 5.87 3.13 2.77 1.90 1.89 2.45 1.37 2.85 4.82 2.05 2.04 1.87 1.71 1.79 1.12 2.53 1.31 Industrial Products Cummins India Ltd. Media & Entertainment Zee Entertainment Enterprises Ltd. D.B.Corp Ltd. Petroleum Products Reliance Industries Ltd. Power Power Grid Corporation Of India Ltd. Retailing Future Retail Ltd. Software Infosys Ltd. HCL Technologies Ltd. Elxsi Ltd. Textile Products Raymond Ltd. Transportation Container Corporation Of India Ltd. Interglobe Aviation Ltd. Other Equities^ Repo Net Current Liabilities SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () Returns Total Value of B S&P BSE Sensex TRI B S&P BSE Sensex TRI 119,008-1.56% 123,269 5.20% 409,310 8.58% 425,430 11.23% 792,168 11.10% 795,213 11.26% 840,000 1,289,028 12.06% 1,280,434 11.87% 1,200,000 2,265,386 12.23% 2,202,131 11.70% 2,380,000 20,263,606 18.64% 11,551,346 14.07% (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 Top 10 Holdings Equity Issuer Name HDFC Bank Ltd. ICICI Bank Ltd. Reliance Industries Ltd. ITC Ltd. Infosys Ltd. HCL Technologies Ltd. Maruti Suzuki India Ltd. Future Retail Ltd. State Bank Of India Power Grid Corporation Of India Ltd. Total % to V 11.53 5.87 5.28 4.82 4.35 4.19 3.99 3.29 3.13 3.05 49.50 No. of Shares 187131 242000 365000 452000 1190000 451000 290000 326350 213000 198000 116000 65000 Lakhs 1312.07 1394.65 1113.07 3990.26 2306.82 2487.94 3289.76 3163.96 2098.37 1779.13 1442.81 836.23 4654.54 281.26 75788.61-188.73 75599.88 ^ Exposure less than 1% has been clubbed under Other Equities 1.74 1.84 1.47 5.28 3.05 3.29 4.35 4.19 2.78 2.35 1.91 1.11 6.16 0.37 100.25-0.25 100.00 Industry Allocation Banks 27.10% Software 11.50% Consumer Non Durables 9.41% Auto 7.43% Petroleum Products 5.28% Industrial Capital Goods 3.84% Cement 3.82% Finance 3.59% Media & Entertainment 3.41% Retailing 3.35% Power 3.05% Transportation 3.01% Construction Project 2.85% Textile Products 2.35% Auto Ancillaries 2.29% Gas 1.79% Industrial Products 1.74% Healthcare Services 1.70% Pharmaceuticals 1.64% Non - Ferrous Metals 0.74% 0.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% % of Assets Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 84.95% 11.70% 3.35% 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 Large Cap Fund - Reg - Growth S&P BSE Sensex TRI 128 116 104 92 80 Mar-15 Mar-16 Mar-17 Mar-18 9
Equity Opportunities Fund (An Open-Ended Equity Scheme) VOLATILITY MEASURES^ FUND 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. February 25,1993 FUND MAGER Rupesh Patel (Managing Since 7-Jun-13 and overall experience of 17 years) S&P BSE 500 TRI V - Growth - Dividend Reg - Growth Reg - Dividend 1216.58 ( in Cr.) 1238.42 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 14.79-0.02 1.02 0.93-0.08-0.16 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 200.1384 40.0057 188.5067 31.2194 61.89% 61.89% 0.88 2.67 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. 13.98 0.02 0.08 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer to Pg 49 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. TVS Motor Company Ltd. Banks HDFC Bank Ltd. ICICI Bank Ltd. Kotak Mahindra Bank Ltd. Yes Bank Ltd. State Bank Of India Cement Ultratech Cement Ltd. Dalmia Bharat Ltd. Shree Cement Ltd. The Ramco Cements Ltd. Commercial Services Security And Intelligence Services (India) Ltd. Construction KNR Constructions Ltd. Brigade Enterprises Ltd. Construction Project Larsen & Toubro Ltd. Sadbhav Engineering Ltd. NCC Ltd. Consumer Durables Bata India Ltd. Havells India Ltd. Consumer Non Durables ITC Ltd. Global Beverages Ltd. Asian Paints (India) Ltd. Ferrous Metals Steel Ltd. Gas Gujarat State Petronet Ltd. No. of Shares 40000 955000 250000 460000 2320000 426968 1445000 650000 75000 100000 14900 170000 131202 1150000 527473 261832 822865 2750000 270000 400000 1510000 900000 120000 464000 900000 SIP - If you had invested INR 10000 every month Total Amount Invested () Total Value as on Mar 31, 2018 () Returns Total Value of B S&P BSE 500 TRI B S&P BSE 500 TRI Total Value of AB S&P BSE Sensex TRI AB S&P BSE Sensex TRI (Inception date 25-Feb-1993) (First Installment date 01-Mar-1993) Lakhs 120500.41 3545.26 3127.15 1542.38 8700.67 6458.88 4477.19 4405.81 1625.65 2960.89 2885.35 2411.04 1246.87 1476.28 3261.98 1293.63 3434.97 3254.84 3235.38 197 195 3864.09 2326.05 1344.84 2648.98 1693.35 % of Assets 99.05 2.91 2.57 1.27 7.15 5.31 3.68 3.62 1.34 2.43 2.37 1.98 1.02 1.21 2.68 1.06 2.82 2.68 2.66 1.62 1.60 3.18 1.91 1.11 2.18 1.39 Other Equities^ Repo Net Current Liabilities ^ Exposure less than 1% has been clubbed under Other Equities Lakhs 5645.83 1657.44 122157.85-500.05 121657.80 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. ICICI Bank Ltd. Kotak Mahindra Bank Yes Bank Ltd. ITC Ltd. Interglobe Aviation Ltd. Maruti Suzuki India Ltd. Larsen & Toubro Ltd. Knr Construction Sadbhav Engineering Ltd. Total % of Assets 4.64 1.36 100.41-0.41 100.00 7 Year 10 Year 840,000 1,200,000 3,010,000 119,846 415,675 845,889 1,421,306 2,514,703 35,734,098-0.24% 9.63% 13.76% 14.80% 14.19% 17.15% 122,521 440,313 863,008 1,400,873 2,427,086 24,055,926 4.00% 13.62% 14.58% 14.39% 13.52% 14.59% 123,269 425,430 795,213 1,280,434 2,202,131 17,932,143 5.20% 11.23% 11.26% 11.87% 11.70% 12.68% % to V 7.15 5.31 3.68 3.62 3.18 3.13 2.91 2.82 2.68 2.68 37.16 No. of Shares Oil Oil & Natural Gas Co. 790000 Finance ICICI Prudential Life Insurance Company Ltd. 550000 Housing Development Finance Ltd. 110000 Muthoot Finance Ltd. 410000 Mahindra And Mahindra Financial Services Ltd. 300000 Equitas Holdings Ltd. 900000 LIC Housing Finance Ltd. 240000 Petroleum Products Reliance Industries Ltd. 270000 Hindustan Petroleum Corporation Ltd. 690000 Indian Oil Corporation Ltd. 1310000 Pharmaceuticals Divi Laboratories Ltd. 200000 Sun Pharmaceutical Industries Ltd. 416000 Piramal Enterprises Ltd. (Ccd 18Mths) 1670 Dishman Carbogen Amcis Ltd. 462662 Laurus Labs Ltd. 254000 Power Power Grid Corporation Of India Ltd. 1000000 Retailing Future Retail Ltd. 500000 Software Infosys Ltd. 200000 HCL Technologies Ltd. 200000 Transportation Interglobe Aviation Ltd. 296210 1404.62 2144.73 2006.84 1670.96 1385.40 1293.30 1284.36 2383.56 2374.64 2309.53 2179.00 2060.86 1736.80 1483.29 1277.87 1938.50 2758.25 2268.80 1939.00 3810.74 Industry Allocation Banks 21.69% Finance 8.88% Cement 8.77% Construction Project 8.16% Auto 7.36% Pharmaceuticals 7.18% Consumer Non Durables 6.19% Petroleum Products 5.81% Construction 3.74% Software 3.46% Consumer Durables 3.22% Transportation 3.13% Retailing 2.27% Ferrous Metals 2.21% Power 1.59% Gas 1.39% Commercial Services 1.21% Oil 1.15% Auto Ancillaries 0.94% Non - Ferrous Metals 0.66% Media & Entertainment 0.01% 0.00% 5.00% 10.00% 15.00% 20.00% 25.00% 1.15 1.76 1.65 1.37 1.14 1.06 1.06 1.96 1.95 1.90 1.79 1.69 1.43 1.22 1.05 1.59 2.27 1.86 1.59 3.13 Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 74.34% 16.53% 9.13% 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 Equity Opportunities Fund - Reg - Growth S&P BSE 500 TRI 136 122 108 94 80 Mar-15 Mar-16 Mar-17 Mar-18 10
Ethical Fund (An Open-Ended Equity Scheme) 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 TRI V - Growth - Dividend Reg - Growth Reg - Dividend 480.90 ( in Cr.) 481.91 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 163.9678 95.7287 156.6768 69.7334 55.16% 55.16% Equity & Equity Related Total Auto Maruti Suzuki India Ltd. Hero Motocorp Ltd. Auto Ancillaries WABCO India Ltd. Apollo Tyres Ltd. Amara Raja Batteries Ltd. Cement Ultratech Cement Ltd. Ambuja Cements Ltd. Construction Project Voltas Ltd. NCC Ltd. Consumer Durables Bata India Ltd. Titan Company Ltd. Whirlpool Of India Ltd. Bajaj Electricals Ltd. Consumer Non Durables Hindustan Unilever Ltd. Britannia Industries Ltd. Asian Paints (India) Ltd. Global Beverages Ltd. Colgate-Palmolive India Ltd. Nestle India Ltd. Gas Gail ( India ) Ltd. Petronet Lng Ltd. Industrial Capital Goods Thermax Ltd. Siemens Ltd. No. of Shares 43300 31300 20000 200000 61849 41000 460000 150000 560000 143000 105000 50400 132000 242000 41000 102000 420000 82100 7000 286666 300000 81696 78000 Lakhs 45379.81 3837.74 1109.74 1579.52 550.80 493.25 1618.62 1073.18 930.90 658.84 1043.90 988.26 762.83 741.51 3232.88 2038.29 1143.11 1085.49 868.37 574.15 941.98 693.90 923.78 836.98 % of Assets 94.36 7.98 2.31 3.28 1.15 1.03 3.37 2.23 1.94 1.37 2.17 2.06 1.59 1.54 6.72 4.24 2.38 2.26 1.81 1.19 1.96 1.44 1.92 1.74 Industrial Products Carborundum Universal Ltd. Finolex Cables Ltd. Cummins India Ltd. Schaeffler Ltd. Mahindra Cie Automotive Ltd. Pesticides UPL Ltd. Rallis India Ltd. Petroleum Products Castrol India Ltd. Indian Oil Corporation Ltd. Pharmaceuticals Cipla Ltd. IPCA Laboratories Ltd. Retailing Future Retail Ltd. Software Tech Mahindra Ltd. Textile Products Mayur Uniquoters Ltd. Transportation Gujarat Pipavav Port Ltd. No. of Shares 390000 161271 132186 16000 298000 170000 502000 505000 330000 151000 93750 220000 225000 200000 549000 Lakhs 1355.25 1079.39 926.82 826.42 641.89 1237.69 1187.48 1035.76 581.79 820.31 613.97 1213.63 1436.18 948.30 792.48 Other Equities^ 2954.43 45379.81 Cash / Net Current Asset 2710.63 48090.44 ^ Exposure less than 1% has been clubbed under Other Equities % of Assets 2.82 2.24 1.93 1.72 1.33 2.57 2.47 2.15 1.21 1.71 1.28 2.52 2.99 1.97 1.65 6.14 94.36 5.64 100.00 VOLATILITY MEASURES^ FUND Sharpe Ratio 12.19-0.06 0.87 0.87-0.25-0.48 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 13.02 0.08 0.29 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer to Pg 49 1.74 2.83 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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% of the applicable V, if redeemed on or before 365 days from the date of allotment. (w.e.f. 6th April, 2015) SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () Returns Total Value of B Nifty 500 Shariah TRI B Nifty 500 Shariah TRI Total Value of AB Nifty 50 TRI AB Nifty 50 TRI 125,230 8.36% 124,684 7.48% 122,328 3.70% 416,292 9.74% 454,452 15.84% 425,728 11.28% 831,137 13.05% 911,754 16.82% 802,645 11.63% 840,000 1,403,838 14.45% 1,521,557 16.72% 1,289,007 12.06% 1,200,000 2,623,175 14.98% 2,659,849 15.23% 2,208,249 11.75% 2,590,000 27,166,800 18.54% 7,320,762 8.73% 14,732,337 14.05% (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 Top 10 Holdings Equity Issuer Name Maruti Suzuki India Ltd. Hindustan Unilever Ltd. Britannia Industries Ltd. Ultratech Cement Ltd. Wabco India Ltd. Tech Mahindra Ltd. Carborundum Universal Ltd. Upl Ltd. Future Retail Ltd. Rallis India Ltd. Total % to V 7.98 6.72 4.24 3.37 3.28 2.99 2.82 2.57 2.52 2.47 38.96 Industry Allocation Consumer Non Durables 18.59% Industrial Products 10.57% Auto 10.29% Consumer Durables 7.86% Cement 6.54% Auto Ancillaries 6.43% Pesticides 5.04% Industrial Capital Goods 4.60% Software 4.26% Gas 3.40% Petroleum Products 3.36% Construction Project 3.31% Pharmaceuticals 2.98% Retailing 2.52% Textile Products 1.97% Transportation 1.65% Chemicals 0.99% 0.00% 5.00% 10.00% 15.00% 20.00% Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 56.36% 38.88% 4.76% 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 Ethical Fund - Reg - Growth 160 Nifty 500 Shariah TRI 144 128 112 96 80 Mar-15 Mar-16 Mar-17 Mar-18 11
Equity P/E Fund (An open ended equity scheme following a value investment strategy) 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 TRI 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%) 2965.46 ( in Cr.) 2846.97 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 139.1295 60.0168 59.3209 134.3078 58.8896 56.6019 61.43% 61.43% 1.28 2.13 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. VOLATILITY MEASURES^ FUND 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 16.21 0.10 0.99 0.69 0.45 0.56 23.65 13.54-0.03-0.11 22.66 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer to Pg 49 1% if redeemed on or before 18 months from the date of allotment (w.e.f 5th April, 2018) Equity & Equity Related Total Auto Bajaj Auto Ltd. Ashok Leyland Ltd. Mahindra & Mahindra Ltd. Maruti Suzuki India Ltd. Hero Motocorp Ltd. Auto Ancillaries Exide Industries Ltd. Apollo Tyres Ltd. Banks Yes Bank Ltd. City Union Bank Ltd. Cement Grasim Industries Ltd. Chemicals Chemicals Ltd. Construction Project Larsen & Toubro Ltd. Voltas Ltd. Consumer Non Durables Hindustan Unilever Ltd. Jubilant Foodworks Ltd. Radico Khaitan Ltd. Finance Housing Development Finance Ltd. Muthoot Finance Ltd. JM Financial Ltd. Gas Gail ( India ) Ltd. Petronet Lng Ltd. Industrial Capital Goods Bharat Electronics Ltd. No. of Shares 317600 5130000 995000 47700 110000 2150000 1380000 5860000 3494640 830000 850000 750000 609000 300000 146200 900000 1306323 1265000 3571692 1892426 1550000 3150000 Lakhs 264992.82 8730.51 7453.89 7364.99 4227.72 3900.05 4771.93 3800.52 17867.14 6031.75 8749.03 5752.38 9839.25 3779.45 4007.70 3401.56 2979.90 23832.56 5155.51 4598.55 6218.51 3585.15 4474.58 % of Assets 89.36 2.94 2.51 2.48 1.43 1.32 1.61 1.28 6.03 2.03 2.95 1.94 3.32 1.27 1.35 1.15 8.04 1.74 1.55 2.10 1.21 1.51 Other Equities^ CBLO Repo Net Current Liabilities 2110000 370000 1201468 1285000 2700000 925000 6582000 934620 160000 646000 456300 465000 522588 12159.93 3132.61 8041.43 11343.98 4760.10 3958.54 12759.21 5155.83 4558.88 4449.65 3151.66 4178.26 6723.09 30097.02 1498.26 30344.48 296835.56-289.68 296545.88 SIP - If you had invested INR 10000 every month 7 Year 10 Year 4.10 1.06 2.71 3.83 1.61 1.33 4.30 1.74 1.54 1.50 1.06 1.41 2.27 10.15 0.51 10.33 100.20-0.20 100.00 Total Amount Invested () Total Value as on Mar 31, 2018 () Returns Total Value of B S&P BSE Sensex TRI B S&P BSE Sensex TRI (Inception date 29-Jun-2004) (First Installment date 01-Jul-2004) 122,765 4.40% 123,269 5.20% 475,561 19.08% 425,430 11.23% 1,038,122 22.18% 795,213 11.26% 840,000 1,746,134 20.59% 1,280,434 11.87% 1,200,000 3,193,033 18.63% 2,202,131 11.70% 1,650,000 6,331,354 17.92% 4,045,136 12.19% 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 HDFC Ltd. Yes Bank Ltd. Power Grid Corporation Of India Ltd. Zee Entertainment Enterprises Ltd. Reliance Industries Ltd. Larsen & Toubro Ltd. Grasim Industries Ltd. Bajaj Auto Ltd. Finolex Cables Ltd. Ashok Leyland Total % to V 8.04 6.03 4.30 4.10 3.83 3.32 2.95 2.94 2.71 2.51 40.73 Media & Entertainment Zee Entertainment Enterprises Ltd. Sun Tv Network Ltd. Industrial Products Finolex Cables Ltd. Petroleum Products Reliance Industries Ltd. Indian Oil Corporation Ltd. Bharat Petroleum Corporation Ltd. Power Power Grid Corporation Of India Ltd. Retailing Future Retail Ltd. Software Consultancy Services Ltd. Cyient Ltd. Persistent Systems Ltd. Textile Products Raymond Ltd. Transportation Interglobe Aviation Ltd. ^ Exposure less than 1% has been clubbed under Other Equities Industry Allocation Finance Auto Banks Petroleum Products Media & Entertainment Auto Ancillaries Software Construction Project Consumer Non Durables Power Cement Industrial Products Gas Transportation Chemicals Retailing Industrial Capital Goods Textile Products Fertilisers Hotels, Resort And Other Recreational Paper No. of Shares 8.06% 6.77% 5.16% 4.86% 4.64% 4.59% 4.42% 4.30% 3.50% 3.49% 3.31% 3.05% 1.94% 1.74% 1.51% 1.41% 0.69% 0.59% 0.42% Lakhs 14.23% 10.68% 0.00% 5.00% 10.00% 15.00% % of Assets Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 68.11% 28.11% 3.77% 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 170 152 134 116 98 80 Equity P/E Fund - Reg - Growth S&P BSE Sensex TRI Mar-15 Mar-16 Mar-17 Mar-18 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 Midcap 100 TRI V - Growth - Dividend Reg - Growth Reg - Dividend 651.54 ( in Cr.) 656.03 ( in Cr.) VOLATILITY MEASURES^ FUND TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 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 17.30 0.02 1.02 0.90 0.09-0.31 139.7348 49.5132 134.2859 40.5211 45.13% 45.13% 16.16 0.09 0.40 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 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) 1.90 2.72 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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 Ancillaries Amara Raja Batteries Ltd. Exide Industries Ltd. Apollo Tyres Ltd. Banks Yes Bank Ltd. City Union Bank Ltd. Cement Shree Cement Ltd. Dalmia Bharat Ltd. The Ramco Cements Ltd. J K Cement Ltd. Chemicals Navin Fluorine International Ltd. Solar Industries India Ltd. Vinati Organics Ltd. Gujarat Alkalies & Chemicals Ltd. Construction KNR Constructions Ltd. NBCC India Ltd. Somany Ceramics Ltd. Brigade Enterprises Ltd. Construction Project Sadbhav Engineering Ltd. NCC Ltd. Sadbhav Infrastructure Project Ltd. Consumer Durables Blue Star Ltd. Havells India Ltd. IFB Industries Ltd. Bata India Ltd. Consumer Non Durables Glaxo Smithkline Con Healthcar Ltd. Global Beverages Ltd. Fertilisers Chambal Fertiliser & Chemicals Ltd. Finance Muthoot Finance Ltd. Satin Creditcare Network Ltd. Top 10 Holdings Equity Issuer Name Future Retail Ltd. KNR Construction Yes Bank Ltd. Sadbhav Engineering Ltd. Future Consumer Ltd. Interglobe Aviation Ltd. NCC Ltd. Shree Cement Ltd. Dalmia Bharat Ltd. Blue Star Ltd. Total No. of Shares 150000 465500 250000 645000 770000 10000 53700 142000 100000 167495 118500 115000 100000 770000 680000 157800 401236 496354 1400000 750000 180000 200000 75900 100000 20000 355000 600000 198000 174000 Lakhs 64009.14 1196.25 1033.18 688.50 1966.61 1329.02 1618.15 1549.43 1041.50 1016.60 1291.22 1271.39 1034.94 699.50 2184.11 1294.38 1058.68 984.03 1963.33 1647.10 987.75 1357.20 975.50 872.85 730.00 1219.02 917.50 975.60 806.95 694.87 % of Assets 98.24 1.84 1.59 1.06 3.02 2.04 2.48 2.38 1.60 1.56 1.98 1.95 1.59 1.07 3.35 1.99 1.62 1.51 3.01 2.53 1.52 2.08 1.50 1.34 1.12 1.87 1.41 1.50 1.24 1.07 % to V 3.81 3.35 3.02 3.01 2.76 2.76 2.53 2.48 2.38 2.08 28.18 Gas Gujarat State Petronet Ltd. Petronet Lng Ltd. Hotels, Resort And Other Recreational Activities Indian Hotels Co. Ltd. Industrial Products AIA Engineering Ltd. Mahindra Cie Automotive Ltd. Schaeffler Ltd. Paper Tamilnadu Newsprint & Papers Ltd. Pesticides PI Industries Ltd. Rallis India Ltd. Bayer Cropscience Ltd. Petroleum Products Indian Oil Corporation Ltd. Hindustan Petroleum Corporation Ltd. Pharmaceuticals Eris Lifesciences Ltd. Piramal Enterprises Ltd. (Ccd 18Mths) Retailing Future Retail Ltd. Future Consumer Ltd. Trent Ltd. Software Elxsi Ltd. Textile Products Arvind Ltd. Transportation Interglobe Aviation Ltd. Other Equities^ Repo Cash / Net Current Asset No. of Shares 680000 400000 875000 85000 505000 20000 209300 100000 360000 20000 720000 215000 162024 794 450000 3300000 270000 74000 300000 140000 ^ Exposure less than 1% has been clubbed under Other Equities Lakhs 1279.42 925.20 1114.31 1212.87 1087.77 1033.03 721.56 887.90 851.58 840.60 1269.36 739.92 1287.60 825.76 2482.43 1800.15 934.61 729.01 1154.10 1801.10 6625.70 1014.55 65023.69 130.48 65154.17 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () Returns Total Value of B Nifty Midcap 100 TRI B Nifty Midcap 100 TRI Total Value of AB Nifty 50 TRI AB Nifty 50 TRI 119,813-0.29% 120,166 0.26% 122,328 3.70% 431,856 12.27% 454,963 15.92% 425,728 11.28% 985,692 20.03% 984,091 19.97% 802,645 11.63% 840,000 1,744,112 20.56% 1,630,366 18.66% 1,289,007 12.06% 1,200,000 3,265,364 19.05% 2,933,040 17.06% 2,208,249 11.75% 2,850,000 19,912,033 17.27% 20,498,580 17.51% 12,858,626 13.61% (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 1.96 1.42 1.71 1.86 1.67 1.59 1.11 1.36 1.31 1.29 1.95 1.14 1.98 1.27 3.81 2.76 1.43 1.12 1.77 2.76 10.17 1.56 99.80 0.20 100.00 Industry Allocation Cement 9.01% Construction 8.47% Retailing 8.01% Construction Project 7.06% Chemicals 6.60% Consumer Durables 6.04% Banks 5.96% Industrial Products 5.92% Pharmaceuticals 4.66% Auto Ancillaries 4.48% Pesticides 4.47% Finance 4.23% Consumer Non Durables 4.20% Gas 3.38% Petroleum Products 3.08% Transportation 2.76% Textile Products 2.68% Hotels, Resort And Other Recreational 1.71% Fertilisers 1.50% Software 1.12% Paper 1.11% Non - Ferrous Metals 0.92% Industrial Capital Goods 0.87% 0.00% 5.00% 10.00% V Movement 180 Mid Cap Growth Fund - Reg - Dividend Nifty Midcap 100 TRI 160 140 120 100 80 Mar-15 Mar-16 Mar-17 Mar-18 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 TRI V - Growth - Dividend Reg - Growth Reg - Dividend 296.32 ( in Cr.) 301.74 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 77.0056 31.8079 74.3723 29.7848 12.12% 12.12% VOLATILITY MEASURES^ FUND 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 13.48-0.02 0.91 0.90-0.10-0.15 1.93 2.26 2.91 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. 13.98 0.02 0.07 1.18 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 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 Sadbhav Engineering Ltd. Engineers India Ltd. Consumer Non Durables Hindustan Unilever Ltd. ITC Ltd. CCL Products India Ltd. Fertilisers Chambal Fertiliser & Chemicals Ltd. Finance Manappuram Finance Ltd. ICICI Prudential Life Insurance Company Ltd. Muthoot Finance Ltd. Rural Electrification Corp. Ltd. Industrial Products Finolex Industries Ltd. Swaraj Engines Ltd. Cummins India Ltd. Media & Entertainment Sun Tv Network Ltd. Minerals/Mining Coal India Ltd. 45500 98750 506000 583333 187665 237000 100000 403000 203000 200000 1930000 294000 185000 240000 260000 46500 114319 150000 250000 Lakhs 29204.96 1250.75 1867.81 1408.70 588.29 742.31 374.70 1335.90 1031.28 565.05 325.20 2108.53 1146.45 753.97 300.12 1693.38 928.42 801.55 1269.98 708.75 98.56 4.22 6.30 4.75 1.99 2.51 1.26 4.51 3.48 1.91 1.10 7.12 3.87 2.54 1.01 5.71 3.13 2.71 4.29 2.39 Oil Oil & Natural Gas Co. Petroleum Products Hindustan Petroleum Corporation Ltd. Power Power Grid Corporation Of India Ltd. Torrent Power Ltd. Pharmaceuticals Strides Shasun Ltd. Software HCL Technologies Ltd. Infosys Ltd. NIIT Technologies Ltd. Mphasis Ltd. Eclerx Services Ltd. Transportation Interglobe Aviation Ltd. No. of Shares 225000 150000 850000 260000 100000 192000 120000 120000 91805 30400 60000 Lakhs 400.05 516.23 1647.73 595.66 672.10 1861.44 1361.28 1037.10 774.56 365.77 771.90 Repo 200.90 29405.86 Cash / Net Current Asset 226.50 29632.36 ^ Exposure less than 1% has been clubbed under Other Equities % of Assets 1.35 1.74 5.56 2.01 2.27 6.28 4.59 3.50 2.61 1.23 2.60 0.68 99.24 0.76 100.00 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () Returns Total Value of B Nifty 500 TRI B Nifty 500 TRI Total Value of AB Nifty 50 TRI AB Nifty 50 TRI 119,348-1.03% 122,282 3.62% 122,328 3.70% 416,468 9.76% 439,111 13.43% 425,728 11.28% 839,099 13.44% 860,295 14.45% 802,645 11.63% 840,000 1,369,196 13.75% 1,396,559 14.31% 1,289,007 12.06% 1,200,000 2,593,457 14.76% 2,402,938 13.34% 2,208,249 11.75% 1, 4,504,172 14.44% 3,949,869 12.69% 3,707,770 11.83% (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 Manappuram Finance Ltd. HDFC Bank Ltd. HCL Technologies Ltd. Finolex Industries Ltd. Power Grid Corporation Of India Ltd. ICICI Bank Ltd. Infosys Ltd. Hindustan Unilever Ltd. Sun Tv Network Ltd. Bajaj Auto Ltd. Total No. of Shares % of Assets % to V 7.12 6.30 6.28 5.71 5.56 4.75 4.59 4.51 4.29 4.22 53.33 Industry Allocation Software 18.22% Finance 14.54% Banks 13.04% Industrial Products 11.55% Consumer Non Durables 9.90% Power 7.57% Media & Entertainment 4.29% Auto 4.22% Construction Project 3.77% Transportation 2.60% Minerals/mining 2.39% V Pharmaceuticals 2.27% Petroleum Products 1.74% Oil 1.35% Fertilisers 1.10% 0.00% 5.00% 10.00% 15.00% 20.00% Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 60.54% 34.27% 5.19% 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 Dividend Yield Fund - Reg - Growth Nifty 500 TRI 136 122 108 94 80 Mar-15 Mar-16 Mar-17 Mar-18 14
India Tax Savings Fund (Erstwhile known as Long Term Equity Fund; renamed w.e.f December 21, 2015) (An open ended equity linked savings scheme with a statutory lock in of s and tax benefit) VOLATILITY MEASURES^ FUND 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 TRI V - Dividend Reg - Dividend - Growth Reg- Growth 1267.25 ( in Cr.) 1224.88 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 15.54 0.06 0.97 0.71 0.29 0.39 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 91.5085 63.8910 17.6084 16.8707 24.13% 24.13% 13.54-0.03-0.11 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer to Pg 49 Nil (Compulsory lock-in period for 3 years) 1.26 2.10 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. Maruti Suzuki India Ltd. Auto Ancillaries MRF Ltd. Banks HDFC Bank Ltd. Kotak Mahindra Bank Ltd. ICICI Bank Ltd. Yes Bank Ltd. Cement Dalmia Bharat Ltd. Construction Knr Constructions Ltd. Somany Ceramics Ltd. Construction Project Larsen & Toubro Ltd. NCC Ltd. Consumer Durables Havells India Ltd. Bata India Ltd. Consumer Non Durables ITC Ltd. Nestle India Ltd. Global Beverages Ltd. Ferrous Metals Steel Ltd. Finance Housing Development Finance Ltd. Mahindra And Mahindra Financial Services Ltd. IDFC Ltd. Satin Creditcare Network Ltd. Petroleum Products Reliance Industries Ltd. Indian Oil Corporation Ltd. Hindustan Petroleum Corporation Ltd. Top 10 Holdings Equity Issuer Name HDFC Bank Ltd. Kotak Mahindra Bank HDFC Ltd. Reliance Industries Ltd. ICICI Bank Ltd. Interglobe Aviation Ltd. Motors Ltd. Avenue Supermarts Ltd. Future Retail Ltd. Yes Bank Ltd. Total Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap No. of Shares 810000 15000 2500 300000 500000 1535000 799440 53000 665000 197274 173000 1700000 310000 182100 780000 23000 585000 359600 270000 500000 3100000 343000 500000 1020000 490000 Lakhs 118529.50 2652.35 1329.47 1807.52 5674.35 5243.00 4273.44 2437.49 1529.24 1886.27 1323.51 2269.59 2000.05 1512.03 1329.33 1996.02 1886.49 1511.93 2052.96 4925.88 2309.00 1508.15 1369.77 4414.00 1798.26 1686.34 % of Assets 93.53 2.09 1.05 1.43 4.48 4.14 3.37 1.92 1.21 1.49 1.04 1.79 1.58 1.19 1.05 1.58 1.49 1.19 1.62 3.89 1.82 1.19 1.08 3.48 1.42 1.33 % to V 4.48 4.14 3.89 3.48 3.37 2.13 2.09 2.09 1.96 1.92 29.55 60.86% 29.00% 10.14% 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 Healthcare Services Apollo Hospitals Enterprise Ltd. 120000 Hotels, Resort And Other Recreational Activities Indian Hotels Co. Ltd. Industrial Products Mahindra Cie Automotive Ltd. Pharmaceuticals Divi Laboratories Ltd. Eris Lifesciences Ltd. Piramal Enterprises Ltd. (Ccd 18Mths) Natco Pharma Ltd. Retailing Avenue Supermarts Ltd. Future Retail Ltd. Future Consumer Ltd. Trent Ltd. Software HCL Technologies Ltd. Transportation Interglobe Aviation Ltd. Other Equities^ CBLO Repo Cash / Net Current Asset Industry Allocation V Movement 1000000 600000 215000 232176 1240 170000 200000 450000 4000000 400000 200000 210000 ^ Exposure less than 1% has been clubbed under Other Equities Lakhs 1275.18 1273.50 1292.40 2342.43 1845.10 1289.60 1282.23 2654.00 2482.43 2182.00 1384.60 1939.00 2701.65 33858.94 5193.85 401.80 124125.15 2599.68 126724.83 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () Returns Total Value of B S&P BSE Sensex TRI B S&P BSE Sensex TRI (Inception date 31-Mar-1996) (First Installment date 01-Jul-1996) 121,214 1.92% 123,269 5.20% 445,929 14.51% 425,430 11.23% 943,678 18.24% 795,213 11.26% 840,000 1,596,415 18.07% 1,280,434 11.87% 1,200,000 2,894,816 16.81% 2,202,131 11.70% 2,610,000 34,533,911 20.06% 13,978,106 13.49% 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 Finance Retailing Pharmaceuticals Petroleum Products Cement Consumer Non Durables Industrial Products Construction Project Auto Consumer Durables Construction Transportation Ferrous Metals Chemicals Auto Ancillaries Software Power Healthcare Services Hotels, Resort And Other Recreational Fertilisers Oil Paper Gas 6.87% 6.33% 6.23% 4.38% 4.26% 4.25% 4.24% 4.12% 3.70% 3.39% 2.85% 2.29% 2.25% 2.14% 1.53% 1.49% 1.01% 1% 0.93% 0.79% 0.62% 0.45% 12.15% 16.26% 0.00% 5.00% 10.00% 15.00% 20.00% % of Assets 1.01 1.02 1.85 1.46 1.02 1.01 2.09 1.96 1.72 1.09 1.53 2.13 26.72 4.15 0.32 98.00 2.00 100.00 160 India Tax Savings Fund - Reg - Dividend S&P BSE Sensex TRI 144 128 112 96 80 Mar-15 Mar-16 Mar-17 Mar-18 15
Banking & Financial Services Fund (An open ended equity scheme investing in Banking & Financial Services Sector) 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 TRI V - Dividend - Growth - Dividend - Growth 233.85 ( in Cr.) 16.9538 16.9538 15.0174 16.3159 ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and in multiples of Re. 1/- thereafter. VOLATILITY MEASURES^ FUND Sharpe Ratio Entry Load Not Applicable Exit Load 18.30 0.22 0.84 0.76 1.39 0.46 1.32 2.85 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. 18.74 0.16 0.84 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer to Pg 49 0.25% of V if redeemed on or before expiry of 3 months from the date of allotment. Equity & Equity Related Total Banks HDFC Bank Ltd. Kotak Mahindra Bank Ltd. Yes Bank Ltd. DCB Bank Ltd. City Union Bank Ltd. Bandhan Bank Ltd. Finance Housing Development Finance Ltd. Muthoot Finance Ltd. Bajaj Finserv Ltd. Max Financial Services Ltd. Bajaj Finance Ltd. ICICI Prudential Life Insurance Company Ltd. JM Financial Ltd. SBI Life Insurance Company Ltd. Gruh Finance Ltd. Central Depository Services (India) Ltd. Geojit Financial Services Ltd. Shriram City Union Finance Ltd. No. of Shares 276700 226800 708000 595000 520900 133400 97800 363000 24300 277300 62000 272000 788000 80000 80000 140000 420000 14500 % of Lakhs Assets 23297.42 99.63 5233.64 2378.22 2158.69 960.33 899.07 624.71 1784.26 1479.41 1258.39 1257.97 1097.25 1060.66 1014.55 538.76 461.72 395.71 383.67 310.41 22.38 10.17 9.23 4.11 3.84 2.67 7.63 6.33 5.38 5.38 4.69 4.54 4.34 2.30 1.97 1.69 1.64 1.33 233.82 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 48.26% 48.26% Repo Net Current Liabilities 502.25 23799.67-414.72 23384.95 2.15 101.78-1.78 100.00 MINIMUM INVESTMENT / MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. Digital India Fund (An open ended equity scheme investing in Information Technology Sector) 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 TRI V - Dividend - Growth - Dividend - Growth 82.54 ( in Cr.) 12.6174 12.6174 12.1321 12.1321 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. 1.37 2.77 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. VOLATILITY MEASURES^ FUND Sharpe Ratio 15.93 0.01 0.83 0.91 0.05 0.11 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer to Pg 49 17.83-0.01-0.08 Entry Load Not Applicable Exit Load 0.25% of V if redeemed on or before expiry of 3 months from the date of allotment Equity & Equity Related Total Software Consultancy Services Ltd. Infosys Ltd. Tech Mahindra Ltd. Elxsi Ltd. Mindtree Ltd. NIIT Technologies Ltd. Cyient Ltd. Persistent Systems Ltd. Sonata Software Ltd. HCL Technologies Ltd. Majesco Ltd. Info Edge (India) Ltd. Oracle Financials Services Soft Ltd. Mphasis Ltd. Repo Net Current Liabilities No. of Shares 43800 96093 117500 72100 85500 68000 83500 68000 137000 41800 82000 20500 6000 24834 % of Lakhs Assets 8002.14 96.95 1247.99 1090.08 750.00 710.29 661.77 587.69 575.15 469.68 428.60 405.25 402.50 239.18 224.44 209.52 261.17 8263.31-9.10 8254.21 15.12 13.21 9.09 8.61 8.02 7.12 6.97 5.69 5.19 4.91 4.88 2.90 2.72 2.54 3.17 100.12-0.12 100.00 8 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 34.93% 34.93% 16
India Consumer Fund (An open ended equity scheme investing in Consumption Oriented Sector) 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 TRI V - Dividend - Growth - Dividend - Growth 788.83 ( in Cr.) 756.68 ( 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. 17.6360 17.6360 15.6111 16.9699 36.16% 36.16% ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and in multiples of Re. 1/- thereafter. 2.55 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. VOLATILITY MEASURES^ FUND Sharpe Ratio Entry Load Exit Load Not Applicable 15.96 0.28 0.92 0.71 1.38 0.81 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer to Pg 49 14.31 0.12 0.49 1% if redeemed on or before 18 months from the date of allotment (w.e.f 5th April, 2018) Equity & Equity Related Total Auto Maruti Suzuki India Ltd. Mahindra & Mahindra Ltd. Bajaj Auto Ltd. Ashok Leyland Ltd. Escorts Ltd. Auto Ancillaries MRF Ltd. Ceat Ltd. Consumer Durables Bata India Ltd. Havells India Ltd. Amber Enterprises India Ltd. Whirlpool Of India Ltd. Consumer Non Durables Hindustan Unilever Ltd. ITC Ltd. Jubilant Foodworks Ltd. Dabur India Ltd. Radico Khaitan Ltd. Global Beverages Ltd. Asian Paints (India) Ltd. Nestle India Ltd. Britannia Industries Ltd. Kansai Nerolac Paints Ltd. Heritage Foods Ltd. Media & Entertainment Zee Entertainment Enterprises Ltd. Sun Tv Network Ltd. Retailing Future Retail Ltd. Future Consumer Ltd. Trent Ltd. Avenue Supermarts Ltd. Textile Products Page Industries Ltd. Raymond Ltd. Other Equities^ Cblo Repo Net Current Liabilities No. of Shares 70200 370000 98500 1460000 219900 3000 94500 340000 360000 163000 91050 502000 2030000 142000 840000 785569 950000 170000 19700 32200 235000 148000 772410 240000 695000 3725000 315000 72000 9000 198500 % of Lakhs Assets 75865.22 96.17 6221.93 2738.74 2707.67 2121.38 1799.55 2169.02 1419.15 2482.00 1755.90 1754.45 1378.09 6706.22 5194.77 3303.84 2746.80 2601.02 2455.28 1905.19 1615.82 1600.81 1184.87 1020.46 4451.40 2031.96 3833.97 2031.99 1090.37 955.44 2041.62 1783.62 761.89 3795.51 20.09 79680.82-797.39 78883.43 7.89 3.47 3.43 2.69 2.28 2.75 1.80 3.15 2.23 2.22 1.75 8.50 6.59 4.19 3.48 3.30 3.11 2.42 2.05 2.03 1.50 1.29 5.64 2.58 4.86 2.58 1.38 1.21 2.59 2.26 0.97 4.84 0.03 101.04-1.04 100.00 India Pharma & Healthcare Fund (An open ended equity scheme investing in Pharma and Healthcare Services Sector) 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 TRI V - Dividend - Growth - Dividend - Growth 133.13 ( in Cr.) 133.15 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) MINIMUM INVESTMENT / MULTIPLES FOR NEW INVESTMENT 8.6719 8.6719 8.3478 8.3478 65.59% 65.59% ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and in multiples of Re. 1/- thereafter. VOLATILITY MEASURES^ FUND Sharpe Ratio 13.97-0.34 0.80 0.78-1.71 0.28 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer to Pg 50 1.26 2.94 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. 15.60-0.46-2.06 Entry Load Not Applicable Exit Load 0.25% of V if redeemed on or before expiry of 3 months from the date of allotment Equity & Equity Related Total Healthcare Services Apollo Hospitals Enterprise Ltd. Pharmaceuticals Sun Pharmaceutical Industries Ltd. Divi Laboratories Ltd. Piramal Enterprises Ltd. IPCA Laboratories Ltd. Syngene International Ltd. Dishman Carbogen Amcis Ltd. Alembic Pharmaceuticals Ltd. Cadila Healthcare Ltd. Sanofi India Ltd. Aurobindo Pharma Ltd. Cipla Ltd. Abbott India Ltd. Natco Pharma Ltd. Laurus Labs Ltd. Sun Pharma Advanced Research Co Ltd. FDC Ltd. Alkem Laboratories Ltd. Lupin Ltd. Shilpa Medicare Ltd. Repo Net Current Liabilities No. of Shares 59300 403100 125600 53617 197000 178000 259000 124000 150000 9000 80000 82000 5750 36000 53000 68000 101000 11000 25000 34000 % of Lakhs Assets 13000.98 97.66 630.15 1996.96 1368.41 1308.52 1290.15 1048.06 830.35 681.75 567.98 464.67 445.80 445.47 313.32 271.53 266.64 257.28 254.27 217.47 184.10 158.10 316.42 13317.40-4.32 4.73 15.00 10.28 9.83 9.69 7.87 6.24 5.12 4.27 3.49 3.35 3.35 2.35 2.04 2.00 1.93 1.91 1.63 1.38 1.19 2.38 100.04-0.04 5,000/- and in multiples of Re. 1/- thereafter. 13313.08 100.00 ^ Exposure less than 1% has been clubbed under Other Equities 17
Resources & Energy Fund (An open ended equity scheme investing in Resources and Energy Sector) 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 TRI V - Dividend - Growth - Dividend - Growth 46.88 ( in Cr.) 47.78 ( in Cr.) TURNOVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 15.1490 15.1490 13.3602 14.5553 59.77% 59.77% ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and in multiples of Re. 1/- thereafter. 1.29 3.07 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. VOLATILITY MEASURES^ FUND Sharpe Ratio 15.20 0.16 0.80 0.91 0.88-0.14 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer to Pg 49 17.81 0.21 1.05 Entry Load Not Applicable Exit Load 0.25% of V if redeemed on or before expiry of 3 months from the date of allotment Equity & Equity Related Total Cement Ultratech Cement Ltd. Grasim Industries Ltd. J K Cement Ltd. Dalmia Bharat Ltd. Birla Corporation Ltd. Chemicals Chemicals Ltd. Pidilite Industries Ltd. Vinati Organics Ltd. Ferrous Metals Metaliks Ltd. APL Apollo Tubes Ltd. Fertilisers Chambal Fertiliser & Chemicals Ltd. Gas Gail ( India ) Ltd. Petronet Lng Ltd. Minerals/Mining Gujarat Mineral Dev Corp Ltd. Oil Oil & Natural Gas Co. Pesticides Bayer Cropscience Ltd. Rallis India Ltd. UPL Ltd. Petroleum Products Reliance Industries Ltd. Indian Oil Corporation Ltd. Castrol India Ltd. Hindustan Petroleum Corporation Ltd. Bharat Petroleum Corporation Ltd. Power Power Grid Corporation Of India Ltd. No. of Shares 7500 22500 9400 3300 11300 25000 15500 13350 23500 5300 82000 85333 90600 121000 101500 3200 53500 14500 54000 165000 78000 36000 23300 219700 % of Lakhs Assets 4452.86 94.98 296.09 237.17 95.56 95.22 80.60 169.19 142.37 120.14 173.62 105.71 133.33 280.40 209.56 149.25 180.47 134.50 126.55 105.57 476.71 290.90 159.98 123.89 99.71 425.89 6.32 5.06 2.04 2.03 1.72 3.61 3.04 2.56 3.70 2.25 2.84 5.98 4.47 3.18 3.85 2.87 2.70 2.25 10.17 6.20 3.41 2.64 2.13 9.08 MINIMUM INVESTMENT / MULTIPLES FOR NEW INVESTMENT 5,000/- and in multiples of Re. 1/- thereafter. Other Equities^ Repo Net Current Liabilities 40.48 236.06 4688.92-0.69 4688.23 0.86 5.03 100.01-0.01 100.00 ^ Exposure less than 1% has been clubbed under Other Equities 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 TRI V - Growth - Dividend Reg - Growth Reg - Dividend 631.06 ( in Cr.) 646.12 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 57.7661 30.1928 56.3631 26.7429 39.19% 39.00% 2.14 2.83 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. VOLATILITY MEASURES^ FUND 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 17.30 0.00 1.17 0.89 0.01-0.07 13.98 0.02 0.07 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer to Pg 47 0.25% of V if redeemed on or before expiry of 3 months from the date of allotment Equity & Equity Related Total Banks ICICI Bank Ltd. HDFC Bank Ltd. Yes Bank Ltd. Punjab National Bank Cement Shree Cement Ltd. Ultratech Cement Ltd. The Ramco Cements Ltd. J K Cement Ltd. Birla Corporation Ltd. Chemicals Solar Industries India Ltd. Construction KNR Constructions Ltd. NBCC India Ltd. Welspun Enterprises Ltd. Brigade Enterprises Ltd. Construction Project Sadbhav Engineering Ltd. Larsen & Toubro Ltd. NCC Ltd. Sadbhav Infrastructure Project Ltd. Consumer Non Durables Asian Paints (India) Ltd. Ferrous Metals Steel Ltd. APL Apollo Tubes Ltd. Finance IDFC Ltd. Power Finance Corporation Ltd. No. of Shares 940000 90000 550000 675000 13500 35800 190000 136930 90000 100000 1292000 500000 660000 298000 972000 248500 1755000 1080925 81000 382800 40500 2070000 990000 SIP - If you had invested INR 10000 every month Lakhs 62334.33 2616.96 1702.31 1676.95 644.29 2184.50 1413.33 1393.56 1392.03 641.93 1072.90 3664.76 951.75 932.58 730.85 3844.75 3260.07 2064.76 1423.58 907.77 2185.41 807.79 1007.06 850.41 % of Assets 98.78 4.15 2.70 2.66 1.02 3.46 2.24 2.21 2.21 1.02 1.70 5.81 1.51 1.48 1.16 6.09 5.17 3.27 2.26 1.44 3.46 1.28 1.60 1.35 No. of Shares Lakhs 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () Returns Total Value of B Nifty 500 TRI B Nifty 500 TRI Total Value of AB Nifty 50 TRI AB Nifty 50 TRI 118,882-1.76% 122,282 3.62% 122,328 3.70% 429,365 11.87% 439,111 13.43% 425,728 11.28% 884,411 15.58% 860,295 14.45% 802,645 11.63% 840,000 1,361,793 13.60% 1,396,559 14.31% 1,289,007 12.06% 1,200,000 2,095,501 10.76% 2,402,938 13.34% 2,208,249 11.75% 1,580,000 3,268,568 10.44% 3,828,866 12.60% 3,590,374 11.72% (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 Top 10 Holdings Equity Issuer Name Sadbhav Engineering Ltd. Knr Construction Larsen & Toubro Ltd. ICICI Bank Ltd. Astral Poly Technik Ltd. Power Grid Corporation Of India Ltd. Steel Ltd. Shree Cement Ltd. NCC Ltd. Finolex Cables Ltd. Total % to V 6.09 5.81 5.17 4.15 3.83 3.79 3.52 3.46 3.27 2.92 42.01 Gas Gujarat State Petronet Ltd. Industrial Capital Goods ABB India Ltd. Thermax Ltd. Bharat Electronics Ltd. Industrial Products Astral Poly Technik Ltd. Finolex Cables Ltd. AIA Engineering Ltd. Timken India Ltd. Schaeffler Ltd. Grindwell Norton Ltd. Ador Welding Ltd. Cummins India Ltd. Petroleum Products Hindustan Petroleum Corporation Ltd. Indian Oil Corporation Ltd. Power Power Grid Corporation Of India Ltd. Kalpataru Power Transmission Ltd. Torrent Power Ltd. Transportation Interglobe Aviation Ltd. Container Corporation Of India Ltd. Other Equities^ Repo Net Current Liabilities 900000 102600 100000 693000 270000 275000 103400 182500 21000 200000 180000 90000 360000 648000 1233000 182500 315000 137000 78500 ^ Exposure less than 1% has been clubbed under Other Equities 1693.35 1320.05 1130.75 984.41 2418.39 1840.58 1475.41 1279.23 1084.68 1010.20 674.46 631.04 1238.94 1142.42 2390.17 878.65 721.67 1762.51 976.38 310.74 1145.14 63479.47-373.54 63105.93 Industry Allocation Construction Project 16.79% Industrial Products 16.50% Cement 11.13% Banks 10.52% Construction 9.95% Power 6.32% Industrial Capital Goods 5.44% Ferrous Metals 5.24% Transportation 4.34% Petroleum Products 3.77% Finance 2.94% Gas 2.68% Chemicals 1.70% Consumer Non Durables 1.44% 0.00% 5.00% 10.00% 15.00% 20.00% % of Assets 2.68 2.09 1.79 1.56 3.83 2.92 2.34 2.03 1.72 1.60 1.07 1.96 1.81 3.79 1.39 1.14 2.79 1.55 0.49 1.81 100.59-0.59 100.00 Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 44.80% 43.29% 11.91% 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 Infrastructure Fund - Reg - Growth 150 Nifty 500 TRI 134 118 102 86 70 Mar-15 Mar-16 Mar-17 Mar-18 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 Hybrid 35+65 - Aggressive Index V - Growth - Dividend - Monthly Dividend Reg - Growth Reg - Dividend Reg - Monthly Dividend 209.2967 75.6994 67.9089 201.3395 72.0690 64.7759 Rs 5371.08 ( in Cr.) 5390.05 ( in Cr.) TURN OVER Portfolio Turnover (Total) 370.01% Portfolio Turnover (Equity component only) 30.24% 0.76 2.23 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. VOLATILITY MEASURES^ FUND 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 10.75-0.09 1.14 0.94-0.24-0.31 9.02 0.01 0.03 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer to Pg 49 Modified Duration 2.8s Average Maturity 3.76 Years Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets 7.45% 7.59% 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. Mahindra & Mahindra Ltd. Auto Ancillaries Apollo Tyres Ltd. Banks HDFC Bank Ltd. ICICI Bank Ltd. Yes Bank Ltd. Kotak Mahindra Bank Ltd. State Bank Of India Indusind Bank Ltd. Cement Ultratech Cement Ltd. Shree Cement Ltd. Construction Project Larsen & Toubro Ltd. Sadbhav Engineering Ltd. Consumer Non Durables ITC Ltd. Hindustan Unilever Ltd. United Spirits Ltd. Finance Housing Development Finance Ltd. Gas Gail ( India ) Ltd. Industrial Products Bharat Forge Ltd. Media & Entertainment Zee Entertainment Enterprises Ltd. Sun Tv Network Ltd. Petroleum Products Reliance Industries Ltd. Bharat Petroleum Corporation Ltd. Pharmaceuticals Sun Pharmaceutical Industries Ltd. Power Power Grid Corporation Of India Ltd. Software HCL Technologies Ltd. Infosys Ltd. Other Equities^ Lakhs 387732.01 9823.50 8863.15 6661.80 5508.00 37829.00 15590.40 11891.10 10853.01 6252.50 5386.80 5921.78 5825.34 17317.08 8425.22 15449.96 8549.76 6251.50 9444.01 6133.86 6301.35 10373.40 5376.23 20304.40 5991.30 6687.90 8529.40 10664.50 10209.60 101316.16 % of Assets 72.19 1.83 1.65 1.24 1.03 7.04 2.90 2.21 2.02 1.16 1.10 1.08 3.22 1.57 2.88 1.59 1.16 1.76 1.14 1.17 1.93 3.78 1.12 1.25 1.59 1.99 1.90 18.86 Name of the Instrument Ratings Lakhs CBLO Repo Net Current Liabilities 21474.74 291.31 541835.69-4727.63 537108.06 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () Returns Total Value of B CRISIL Hybrid 35+65 - Aggressive Index B CRISIL Hybrid 35+65 - Aggressive Index Total Value of AB S&P BSE Sensex TRI AB S&P BSE Sensex TRI (Inception date 08-Oct-1995) (First Installment date 01-Feb-1996) Top 10 Holdings Equity Issuer Name HDFC Bank Ltd. Reliance Industries Ltd. Larsen & Toubro Ltd. ICICI Bank Ltd. ITC Ltd. Yes Bank Ltd. Kotak Mahindra Bank HCL Technologies Ltd. Zee Entertainment Enterprises Ltd. Infosys Ltd. Total No. of Shares 3000000 100000 900000 2000000 2000000 5600000 3900000 1035000 2500000 300000 150000 36000 1320000 2130000 6037500 640000 200000 517650 1866666 900000 1800000 635000 2300000 1400000 1350000 4400000 1100000 900000 119,355-1.02% 122,510 3.99% 123,269 5.20% % to V 7.04 3.78 3.22 2.90 2.88 2.21 2.02 1.99 1.93 1.90 29.87 398,751 6.80% 424,166 11.03% 425,430 11.23% Debt Instruments Government Securities GOI - 7.35% (22/06/2024) GOI - 7.72% (25/05/2025) GOI - 6.84% (19/12/2022) GOI - 6.79% (15/05/2027) GOI - 8.13% (21/09/2022) GOI - 8.28% (21/09/2027) SDL Andhra Pradesh 7.51% (13/09/2037) GOI - 7.80% (03/05/2020) SDL Punjab 7.07% (28/12/2020) SDL Gujarat 7.77% (19/06/2023) GOI 8.24% 15/02/2027 GOI - 8.30% (02/07/2040) GOI - 7.73% (19/12/2034) GOI - 6.57% (05/12/2033) GOI - 7.68% (15/12/2023) GOI - 7.17% (08/01/2028) SDL Tamilnadu 8.14% (27/05/2025) GOI - 6.79% (26/12/2029) Non-Convertible Debentures/Bonds/ZCB HDFC Ltd. - ZCB 08.50 % HDFC Ltd. 08.78 % Indiabulls Housing Finance Ltd. 07.80 % Kotak Mahindra Investments Ltd. 06.99 % Rural Electrification Corp. Ltd. 07.65 % Small Indust Devlop Bank Of India 07.95 % HDFC Ltd. 07.45 % LIC Housing Finance Ltd. 08.32 % Reliance Jio Infocomm Ltd. 07.95 % Reliance Ports & Terminals Ltd. 07.68 % Housing & Urban Development Corporation Ltd. 09.36 % Power Finance Corporation 08.70 % Power Finance Corporation 07.98 % Andhra Bank Il&FS Ltd. - ZCB 08.71 % Mahindra & Mahindra Financial Services Ltd. 09.45 % State Bank Of India 09.40 % Blue Dart Express Ltd. 09.50 % Blue Dart Express Ltd. Money Market Instruments Axis Bank Ltd. - CD HDFC Ltd. - CP Indusind Bank Ltd. - CD Kotak Mahindra Bank - CD Privately Placed/Unlisted 08.00 % Ongc Petro-Additions Ltd. 08.15 % Vodafone Mobile Services Ltd. ^ Exposure less than 1% has been clubbed under Other Equities 814,765 12.24% 812,695 12.14% 795,213 11.26% 840,000 1,377,511 13.92% 1,297,762 12.25% 1,280,434 11.87% ICRA- AAA IND AA ICRA- AAA CRISIL- AA+ ICRA- AA ICRA- AA ICRA- AAA(so) CRISIL- AA 1,200,000 2,562,647 14.54% 2,204,189 11.71% 2,202,131 11.70% 54431.07 9331.13 9090.04 6868.27 5969.06 5145.87 4671.63 3637.77 3054.12 2482.96 2465.07 724.16 397.06 250.75 132.00 76.63 56.89 49.12 28.54 51398.84 16316.94 6065.74 5036.48 4995.91 4931.54 3059.72 2500.90 2438.41 1520.71 1473.50 1101.19 522.74 510.33 491.24 204.39 130.01 79.54 11.13 8.42 16517.52 4696.95 4681.79 4671.48 2467.30 9990.20 7500.00 2490.20 % to V 4.00 0.05 100.88-0.88 100.00 2,660,000 24,751,948 17.16% 12,172,287 12.07% 14,543,469 13.37% 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 Banks 17.50% Construction Project 6.27% Consumer Non Durables 5.63% Software 5.60% Petroleum Products 5.47% Auto 4.72% Finance 4.45% Cement 4.05% Auto Ancillaries 3.01% Media & Entertainment 2.93% Industrial Products 2.59% Power 2.22% V Pharmaceuticals 2.20% Non - Ferrous Metals 1.51% Industrial Capital Goods 1.41% Gas 1.14% Transportation 0.80% Consumer Durables 0.70% 0.00% 5.00% 10.00% 15.00% 20.00% 10.13 1.74 1.69 1.28 1.11 0.96 0.87 0.68 0.57 0.46 0.46 0.13 0.07 0.05 0.02 0.01 0.01 0.01 0.01 9.57 3.04 1.13 0.94 0.93 0.92 0.57 0.47 0.45 0.28 0.27 0.21 0.10 0.10 0.09 0.04 0.02 0.01 0.00 0.00 3.08 0.87 0.87 0.87 0.46 1.86 1.40 0.46 Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 81.72% 13.28% 5.00% 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 140 128 116 104 92 80 Balanced Fund - Reg - Growth CRISIL Hybrid 35+65 - Aggressive Index Mar-15 Mar-16 Mar-17 Mar-18 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 TRI (35%),Nifty 50 Arbitrage Index (30%), Crisil Short Term Bond Fund Index (35%) V - Monthly Dividend - Growth - Periodic Dividend - Growth - Monthly Dividend - Periodic Dividend 14.0562 30.9935 14.8640 32.6126 15.1212 15.8683 225.82 ( in Cr.) 227.75 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) VOLATILITY MEASURES^ FUND Sharpe Ratio Modified Duration Average Maturity MINIMUM INVESTMENT/ MULTIPLES FOR NEW INVESTMENT ADDITIOL INVESTMENT/ MULTIPLES FOR EXISTING INVESTORS 1,000/- and multiples of Re. 1/- thereafter. Entry Load Not Applicable Exit Load 4.49-0.32 0.76 0.64-0.54-0.36 853.50% 88.07% 0.81 1.88 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. 4.62-0.04-0.06 0.68 Years 0.87 Years Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* 7.14% 7.68% *NCA - Net Current Assets ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer Pg 49 Total stock in Portfolio 28 Growth Option Rs 5,000/- and in multiple of Re.1/- thereafter Dividend Option Rs 5,000/- and in multiple of Re.1/- thereafter 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 Bajaj Auto Ltd. Maruti Suzuki India Ltd. Auto Ancillaries Ceat Ltd. Banks HDFC Bank Ltd. Yes Bank Ltd. Kotak Mahindra Bank Ltd. Cement Grasim Industries Ltd. Construction Project Larsen & Toubro Ltd. Voltas Ltd. Consumer Durables Bata India Ltd. Havells India Ltd. Consumer Non Durables Hindustan Unilever Ltd. Jubilant Foodworks Ltd. Radico Khaitan Ltd. Finance Housing Development Finance Ltd. Muthoot Finance Ltd. Max Financial Services Ltd. Industrial Capital Goods Bharat Electronics Ltd. Industrial Products Finolex Cables Ltd. Media & Entertainment Sun Tv Network Ltd. Zee Entertainment Enterprises Ltd. Petroleum Products Reliance Industries Ltd. Hindustan Petroleum Corporation Ltd. Power Power Grid Corporation Of India Ltd. Retailing Future Consumer Ltd. Future Retail Ltd. Software Majesco Ltd. Textile Products Raymond Ltd. Hedge Positions Dewan Housing Finance Corporation Ltd. Dewan Housing Finance Corporation Ltd. - Future Tv18 Broadcast Ltd. Tv18 Broadcast Ltd. - Future JSW Steel Ltd. JSW Steel Ltd. - Future Global Beverages Ltd. Global Beverages Ltd. - Future SIP - If you had invested INR 10000 every month Total Amount Invested () Total Value as on Mar 31, 2018 () Returns Total Value of B Nifty 50 Index TRI (35%),Nifty 50 Arbitrage Index (30%), Crisil Short Term Bond Fund Index (35%) B Nifty 50 Index TRI (35%),Nifty 50 Arbitrage Index (30%), Crisil Short Term Bond Fund Index (35%) Total Value of AB S&P BSE Sensex TRI AB S&P BSE Sensex TRI (Inception date 27-Apr-2000) (First Installment date 01-May-2000) Top 10 Holdings Equity Issuer Name Hindustan Unilever Ltd. HDFC Bank Ltd. Power Grid Corporation Of India Ltd. Yes Bank Ltd. Larsen & Toubro Ltd. Bajaj Auto Ltd. Reliance Industries Ltd. Jubilant Foodworks Ltd. Bata India Ltd. Future Consumer Ltd. Total % to V 50.70 6.81 5.35 4.02 3.91 % to V 65.94 15.24 0.64 0.47 0.40 1.27 0.67 0.46 0.42 0.66 0.44 0.57 0.39 1.30 0.59 0.53 0.51 0.45 0.44 0.34 0.44 0.46 0.29 0.63 0.53 0.72 0.56 0.46 0.39 0.20 % to V Derivative -50.95-6.85-5.39-4.04-3.94 Repo Cash / Net Current Asset 1.91 100.71-0.71 100.00 7 Year 10 Year 121,183 1.87% 126,339 10.16% 123,269 5.20% % to V 1.30 1.27 0.72 0.67 0.66 0.64 0.63 0.59 0.57 0.56 7.60 % to V % to V Derivative Granules India Ltd. Granules India Ltd. - Future Century Textiles & Industries Ltd. Century Textiles & Industries Ltd. - Future Federal Bank Ltd. Federal Bank Ltd. - Future Cesc Ltd. Cesc Ltd. - Future Sun Tv Network Ltd. Sun Tv Network Ltd. - Future IDFC Ltd. IDFC Ltd. - Future BEML Ltd. BEML Ltd. - Future Muthoot Finance Ltd. Muthoot Finance Ltd. - Future Communications Ltd. Communications Ltd. - Future Motors - Dvr Motors - Dvr - Future Bharat Financial Inclusion Ltd. Bharat Financial Inclusion Ltd. - Future DLF Ltd. DLF Ltd. - Future Reliance Industries Ltd. Reliance Industries Ltd. - Future ITC Ltd. ITC Ltd. - Future NBCC India Ltd. NBCC India Ltd. - Future Torrent Power Ltd. Torrent Power Ltd. - Future ICICI Prudential Life Insurance Company Ltd. ICICI Prudential Life Insurance Company Ltd. - Future 3.44 3.40 3.37 2.78 2.51 2.36 2.32 2.14 1.65 1.38 1.31 1.29 1.02 0.63 0.46 0.30 0.25-3.46-3.41-3.39-2.79-2.53-2.37-2.33-2.14-1.66-1.39-1.32-1.30-1.02-0.63-0.46-0.31-0.25 Name of the Instrument Ratings % to V Non-Convertible Debentures/Bonds 16.31 09.75 % Reliance Utilities And Power Private Ltd. 2.36 08.45 % Reliance Ports & Terminals Ltd. 2.24 07.90 % India Infradebt Ltd. 2.19 07.17 % National Highways Authority Of India 2.18 07.42 % LIC Housing Finance Ltd. 2.16 07.49 % Indian Railways Finance Corporation Ltd. 2.14 08.49 % Nhpc Ltd. 1.78 08.32 % Reliance Jio Infocomm Ltd. 0.67 09.04 % Rural Electrification Corp. Ltd. 0.23 08.40 % Power Finance Corporation 0.22 09.70 % Exim 0.13 Money Market Instruments 0.79 IDFC Bank Ltd. - CD 0.79 Margin Deposits 15.76 Cash (Placed As Margin Money ) 13.77 HDFC Bank Ltd. 1.99 390,177 5.34% 417,370 9.92% 425,345 11.22% 698,471 6.04% 766,278 9.76% 794,817 11.24% 840,000 1,057,513 6.50% 1,190,160 9.82% 1,279,544 11.85% 1,200,000 1,664,931 6.39% 1,631,316 6.00% 2,197,649 11.66% 2,150,000 4,034,360 6.61% 3,095,548 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 Consumer Non Durables 2.42% Banks 2.41% Finance 1.40% Petroleum Products 1.16% Auto 1.11% Construction Project 1.10% Retailing 1.02% Consumer Durables 0.95% Media & Entertainment 0.75% Power 0.72% Industrial Products 0.44% Cement 0.42% Auto Ancillaries 0.40% Software 0.39% Industrial Capital Goods 0.34% Textile Products 0.20% 0.00% % 2.00% 3.00% 3.91% 9,184,990 14.50% Market Capitalisation wise Exposure Large Cap 64.09% Mid Cap 30.29% Small Cap 5.61% "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 130 122 114 106 98 90 Saving Equity Fund - Reg - Mthly Dividend Nifty 50 Index TRI (35%),Nifty 50 Arbitrage Index (30%), Crisil Short Term Bond Fund Index (35%) Jul-15 Jun-16 May-17 Mar-18 21
Dynamic Bond Fund (An open ended dynamic debt scheme investing across duration) [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) CRISIL Composite Bond Fund Index V - Growth - Dividend Reg - Growth Reg - Dividend 27.7879 16.4905 26.3705 15.2066 815.99 ( in Cr.) 840.80 ( in Cr.) 0.60 1.67 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. VOLATILITY MEASURES^ FUND Modified Duration Average Maturity 1.82 Years 2.3s Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets 3.72 1.07 0.88-0.21-0.13 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. 3.36-0.08 7.23% 7.31% ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer Pg 49 Entry Load Not Applicable Exit Load 0.50% of V if redeemed on or before expiry of 30 days from the date of allotment (w.e.f 15th November, 2017). Name of the Instrument Debt Instruments Government Securities GOI - 7.68% (15/12/2023) GOI - 7.28% (03/06/2019) GOI - 7.88% (19/03/2030) GOI - 7.72% (26/10/2055) GOI - 7.35% (22/06/2024) Non-Convertible Debentures/Bonds 08.20 % Nabard 08.06 % Small Indust Devlop Bank Of India 07.60 % Reliance Utilities And Power Private Ltd. 08.90 % Reliance Jio Infocomm Ltd. 09.38 % Rural Electrification Corp. Ltd. 07.85 % Small Indust Devlop Bank Of India 07.85 % Power Finance Corporation 08.37 % India Infradebt Ltd. 07.38 % Kotak Mahindra Prime Ltd. 07.05 % Power Finance Corporation 06.99 % Rural Electrification Corp. Ltd. 08.45 % Reliance Ports & Terminals Ltd. 08.18 % EXIM Ratings Lakhs 7955.86 6090.07 1511.75 202.50 101.80 49.74 36640.83 5148.88 5032.67 3918.04 2553.31 2525.84 2511.87 2507.05 2503.93 2475.79 2474.76 2465.77 1514.11 1008.81 % to V 9.75 7.46 1.85 0.25 0.12 0.06 44.90 6.31 6.17 4.80 3.13 3.10 3.08 3.07 3.07 3.03 3.03 3.02 1.86 1.24 Name of the Instrument Privately Placed/Unlisted 08.00 % Ongc Petro-additions Ltd. Money Market Instruments HDFC Ltd. - CP IDFC Bank Ltd. - CD Kotak Mahindra Bank - CD Vijaya Bank - CD Indusind Bank Ltd. - CD Repo Cash / Net Current Asset Ratings Lakhs 2500.00 ICRA- AAA(so) 2500.00 21696.31 7041.53 4938.19 4917.79 CARE- A1+ 2463.06 2335.74 11906.52 80699.52 899.30 81598.82 % to V 3.06 3.06 26.59 8.63 6.05 6.03 3.02 2.86 14.59 98.90 1.10 100.00 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () 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 121,261 2.00% 122,506 3.99% 119,107-1.41% 393,856 5.97% 401,282 7.23% 385,552 4.54% 725,744 7.58% 743,000 8.52% 706,436 6.50% 840,000 1,126,663 8.28% 1,139,984 8.61% 1,066,729 6.74% 1,200,000 1,809,271 7.98% 1,837,938 8.28% 1,671,421 6.46% 1,740,000 3,074,286 7.46% 3,115,813 7.63% 2,799,518 6.28% (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 9.75% 15.69% Maturity Ladder 74.56% A1+ / AAA Cash & Cash Equivalents Instrument Wise Composition 17.96% 15.69% 8.63% V Movement 9.75% 47.97% NCD - Non Convertible Deb Government Securities Commercial Papers Certificate Of Deposit Cash & Cash Equivalents Cash & Others 1.10% Abv 10 Yrs 0.37% 7-10 Yrs 7.55% 3-7 Yrs 17.25% 1-3 Yrs 23.29% 0-1 Yrs 50.44% 0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 130 122 114 106 98 Dynamic Bond Fund - Reg - Growth CRISIL Composite Bond Fund Index 90 Mar-15 Mar-16 Mar-17 Mar-18 22
Medium Term Fund (An Open-Ended Debt Scheme) (Erstwhile known as Income Plus Fund; renamed w.e.f March 17, 2017) VOLATILITY MEASURES^ FUND 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 77.84 ( in Cr.) 3.26 0.92 0.89-0.22-0.13 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 28.3630 13.8613 26.8825 13.1414 77.61 ( in Cr.) 0.95 1.94 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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 3.36-0.08 2.47 Years 3.40 Years ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer Pg 49 7.30% 7.64% Name of the Instrument Ratings Lakhs Debt Instruments Government Securities GOI - 6.79% (15/05/2027) Non-Convertible Debentures/Bonds 09.00 % Grasim Industries Ltd. 08.35 % Petronet Lng Ltd. 09.25 % Reliance Jio Infocomm Ltd. 08.70 % Power Finance Corporation 08.45 % Reliance Ports & Terminals Ltd. 07.90 % India Infradebt Ltd. 07.98 % Andhra Bank 09.39 % Rural Electrification Corp. Ltd. Privately Placed/Unlisted 08.30 % SBI Cards & Payment Services Pvt. Ltd. 475.14 475.14 4918.67 1033.64 1001.55 524.02 510.33 504.70 493.48 442.11 408.84 496.69 496.69 % to V 6.10 6.10 63.19 13.28 12.87 6.73 6.56 6.48 6.34 5.68 5.25 6.38 6.38 Name of the Instrument Repo Cash / Net Current Asset Ratings Lakhs 1545.94 7436.44 347.37 7783.81 % to V 19.87 95.55 4.45 100.00 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () 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 122,684 4.27% 122,506 3.99% 119,107-1.41% 397,982 6.67% 401,282 7.23% 385,552 4.54% 725,984 7.59% 743,000 8.52% 706,436 6.50% 840,000 1,114,810 7.98% 1,139,984 8.61% 1,066,729 6.74% 1,200,000 1,789,505 7.77% 1,837,938 8.28% 1,671,421 6.46% 1,830,000 3,245,341 7.13% 3,351,532 7.51% 3,004,768 6.20% (Inception date 11-Nov-2002) (First Installment date 01-Jan-2003) Composition by Ratings IND AA 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 6.10% 24.33% A1+ / AAA 5.68% 63.89% AA+ / AA Cash & Cash Equivalents Instrument Wise Composition 6.10% 24.33% 69.57% NCD - Non Convertible Deb Government Securities Cash & Cash Equivalents Exit Load 1% of V if redeemed on or before expiry of 365 days from the date of allotment. Maturity Ladder Cash & Others 4.46% Abv 10 Yrs 0.00% 7-10 Yrs 11.78% 3-7 Yrs 39.22% 1-3 Yrs 11.81% 0-1 Yrs 32.73% 0.00% 10.00% 20.00% 30.00% 40.00% V Movement 130 122 114 106 98 Medium Term Fund - Reg - Growth Crisil Composite Bond Fund Index 90 Mar-15 Mar-16 Mar-17 Mar-18 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 54.5625 - Half Yearly Dividend 13.7552 Dir- Periodic Dividend 31.0675 Reg - Growth 52.3885 Reg - Half Yearly Dividend 13.1453 Reg- Dividend 30.3906 Name of the Instrument Debt Instruments Government Securities GOI - 7.68% (15/12/2023) GOI - 6.79% (15/05/2027) GOI - 6.84% (19/12/2022) GOI - 7.88% (19/03/2030) GOI - 6.79% (26/12/2029) Non-Convertible Debentures/Bonds 08.45 % Reliance Ports & Terminals Ltd. 07.67 % Reliance Utilities And Power Private Ltd. 09.84 % IOT Utkal Energy Services Ltd. Privately Placed/Unlisted 08.30 % SBI Cards & Payment Services Pvt. Ltd. Ratings (so) Lakhs 3314.90 1522.52 1425.41 335.66 26.93 4.38 2650.34 1009.40 978.89 662.05 993.39 993.39 % to V 27.78 12.76 11.94 2.81 0.23 0.04 22.21 8.46 8.20 5.55 8.32 8.32 Name of the Instrument CBLO Repo Cash / Net Current Asset Ratings Lakhs 2996.45 1219.47 11174.55 759.42 11933.97 % to V 25.11 10.22 93.64 6.36 100.00 119.34 ( in Cr.) 121.13 ( in Cr.) 0.38 2.06 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. VOLATILITY MEASURES^ FUND Modified Duration Average Maturity 3.68 1.08 0.93-0.21-0.14 3.36-0.08 2.5s 3.3s Gross Yield to Maturity (For Debt Component) 6.87% i. Including NCA* 7.34% ii. Excluding NCA* *NCA - Net Current Assets ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 For calculation methodology please refer Pg 49 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) SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () 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 121,345 2.13% 122,506 3.99% 119,107-1.41% 393,303 5.88% 401,282 7.23% 385,552 4.54% 720,146 7.27% 743,000 8.52% 706,436 6.50% 840,000 1,110,722 7.88% 1,139,984 8.61% 1,066,729 6.74% 1,200,000 1,770,591 7.57% 1,837,938 8.28% 1,671,421 6.46% 2,480,000 5,585,864 7.25% 5,269,185 6.76% 4,995,825 6.31% (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 41.69% Maturity Ladder 27.78% 30.53% A1+ / AAA Cash & Cash Equivalents Instrument Wise Composition 41.69% V Movement 27.78% 30.53% NCD - Non Convertible Deb Government Securities Cash & Cash Equivalents Cash & Others 6.36% Abv 10 Yrs 0.26% 7-10 Yrs 11.94% 3-7 Yrs 40.56% 1-3 Yrs 3.70% 0-1 Yrs 37.17% 0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 130 122 114 106 98 Long Term Debt Fund - Reg - Growth Crisil Composite Bond Fund Index 90 Mar-15 Mar-16 Mar-17 Mar-18 24
Short Term Bond Fund (An Open-Ended Debt Scheme) [ICRA]AAAmfs rating by ICRA$ VOLATILITY MEASURES^ FUND 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 - Monthly Dividend -Dividend Reg - Growth Reg - Monthly Dividend Reg -Dividend 6263.63 ( in Cr.) 6164.44 ( in Cr.) 1.31 1.01 0.92-0.18-0.07 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) 33.5150 15.7389 17.7721 32.2742 15.1300 17.1008 1.26-0.11 Modified Duration Average Maturity 1.6s 1.97 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 9.39% as on Mar 28, 2018 For calculation methodology please refer Pg 49 0.23 1.13 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. 7.39% 7.61% Name of the Instrument Debt Instruments Government Securities GOI 7.35% (22/06/2024) SDL Gujarat 8.99% (14/03/2022) SDL Punjab 7.07% (28/12/2020) GOI - 8.13% (21/09/2022) SDL Punjab 6.90% (11/01/2021) SDL Kerala 8.85% (18/07/2022) SDL Punjab 6.99% (13/10/2020) SDL Maharashtra 8.90% (19/12/2022) SDL Punjab 8.34% (06/10/2020) SDL Gujarat 7.77% (19/06/2023) SDL Maharashtra 6.94% (23/08/2022) SDL Gujarat 7.21% (09/08/2027) GOI - 7.72% (25/05/2025) SDL Rajasthan Uday 8.15% (23/06/2021) GOI - 6.79% (26/12/2029) GOI - 6.68% (17/09/2031) GOI - 6.79% (15/05/2027) SDL Maharashtra 7.33% (13/09/2027) GOI - 7.17% (08/01/2028) GOI - 7.68% (15/12/2023). GOI - 8.27% (09/06/2020) Non-convertible Debentures/bonds/zcb 07.85 % Nabard 09.04 % Rural Electrification Corp. Ltd. 08.10 % Reliance Jio Infocomm Ltd. 06.99 % Rural Electrification Corp. Ltd. 08.35 % Nabha Power Ltd. 07.50 % Bajaj Finance Ltd. 07.40 % Gruh Finance Ltd. 08.90 % Reliance Jio Infocomm Ltd. 07.65 % Kotak Mahindra Investments Ltd. 09.25 % Reliance Jio Infocomm Ltd. 07.43 % Hdb Financial Services Ltd. 07.75 % India Infradebt Ltd. 08.55 % Reliance Jio Infocomm Ltd. 08.45 % Reliance Ports & Terminals Ltd. 08.36 % Rural Electrification Corp. Ltd. 08.36 % Power Finance Corporation HDFC Ltd. - Zcb 08.52 % Power Finance Corporation 08.06 % Small Indust Devlop Bank Of India 08.12 % Nabha Power Ltd. 08.35 % LIC Housing Finance Ltd. 08.38 % HDFC Ltd. 07.85 % Small Indust Devlop Bank Of India 08.60 % HDFC Ltd. 07.85 % HDFC Ltd. 07.80 % Kotak Mahindra Investments Ltd. 07.42 % Rural Electrification Corp. Ltd. 07.42 % Power Finance Corporation 07.59 % LIC Housing Finance Ltd. 07.59 % Kotak Mahindra Investments Ltd. 07.38 % Kotak Mahindra Prime Ltd. 07.62 % Bajaj Finance Ltd. 07.00 % HDFC Ltd. 09.02 % Rural Electrification Corp. Ltd. Ratings ICRA- AAA(SO) ICRA- AAA(SO) Lakhs 66884.10 12436.20 9806.77 8938.67 7718.80 5927.44 4159.42 4128.98 2615.16 2555.69 2501.09 1951.75 1566.13 1010.00 489.36 251.02 209.01 194.90 181.17 111.41 69.43 61.70 340960.88 23071.42 17860.17 17595.07 16767.24 15056.74 14306.96 12377.03 11745.23 10001.02 9956.30 9855.38 8052.28 8023.41 7570.53 7126.54 6586.51 6526.78 5070.68 5032.67 5027.76 5027.56 5025.95 5023.74 5020.38 5003.00 4995.91 4991.78 4985.10 4978.90 4962.28 4951.57 4950.73 4938.91 4575.72 % to V 10.68 1.99 1.57 1.43 1.23 0.95 0.66 0.66 0.42 0.41 0.40 0.31 0.25 0.16 0.08 0.04 0.03 0.03 0.03 0.02 0.01 0.01 54.43 3.68 2.85 2.81 2.68 2.40 2.28 1.98 1.88 1.60 1.59 1.57 1.29 1.28 1.21 1.14 1.05 1.04 0.81 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.79 0.79 0.79 0.79 0.79 0.73 Name of the Instrument Ratings Lakhs CBLO Repo Cash / Net Current Asset 11187.54 16491.99 610163.46 16199.78 626363.24 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () 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) 123,220 5.13% 123,679 5.87% 123,994 6.38% 398,489 6.76% 401,958 7.35% 397,319 6.56% 727,249 7.66% 735,654 8.12% 716,182 7.05% 840,000 1,121,166 8.14% 1,131,358 8.40% 1,082,322 7.15% 1,200,000 1,824,902 8.14% 1,834,496 8.24% 1,705,003 6.84% 1,870,000 3,640,190 8.05% 3,554,868 7.78% 3,152,193 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 7.00% 10.68% 82.32% A1+ / AAA Cash & Cash Equivalents 07.20 % Indian Railways Finance Corporation Ltd. 08.39 % HDFC Ltd. 07.50 % Power Finance Corporation 08.37 % India Infradebt Ltd. 08.38 % LIC Housing Finance Ltd. 08.20 % Nabard 07.70 % Rural Electrification Corp. Ltd. 09.50 % IDFC Bank Ltd. 08.30 % Nabha Power Ltd. 07.99 % Power Finance Corporation 07.96 % LIC Housing Finance Ltd. 08.00 % Kotak Mahindra Prime Ltd. 07.95 % Hdb Financial Services Ltd. 07.51 % LIC Housing Finance Ltd. 08.10 % Orix Leasing & Financial Services India Ltd. 09.35 % LIC Housing Finance Ltd. 08.45 % HDFC Ltd. 09.84 % Iot Utkal Energy Services Ltd. 08.15 % Power Grid Corporation Of India Ltd. 08.32 % Reliance Jio Infocomm Ltd. 07.65 % Indian Railways Finance Corporation Ltd. 08.40 % Power Finance Corporation 08.18 % LIC Housing Finance Ltd. 08.34 % IDFC Bank Ltd. 07.39 % LIC Housing Finance Ltd. 07.84 % Ultratech Cement Ltd. 07.90 % India Infradebt Ltd. 08.28 % Power Finance Corporation Privately Placed/unlisted 07.44 % Daimler Financial Services India Private Ltd. 08.00 % Ongc Petro-additions Ltd. 08.30 % Sbi Cards & Payment Services Pvt. Ltd. 08.35 % Daimler Financial Services India Private Ltd. 08.22 % Daimler Financial Services India Private Ltd. 08.05 % Daimler Financial Services India Private Ltd. 08.10 % Sbi Cards & Payment Services Pvt. Ltd. 07.54 % Gruh Finance Ltd. Money Market Instruments HDFC Ltd. - CP BARD - CP Yes Bank Ltd. - CD EXIM - CP Il&fs Ltd. - CP Axis Bank Ltd. - CD Indusind Bank Ltd. - CD Indusind Bank Ltd. - CD Axis Bank Ltd. - CD HDFC Ltd. - CP HDFC Bank Ltd. - CD Yes Bank Ltd. - CD Indusind Bank Ltd. - CD Kotak Mahindra Investments Ltd. - CP Instrument Wise Composition 9.14% 1.04% 3.52% ICRA- AAA ICRA- AAA(SO) IND AAA (SO) ICRA- AAA ICRA- AAA(SO) CARE- A1+ 64.55% 3978.1 3519.67 3493.70 3104.87 3015.55 2574.44 2556.04 2537.89 2518.41 2515.91 2501.70 2500.16 2496.07 2495.00 2492.22 2035.18 2013.58 1996.16 1518.06 1013.81 773.87 501.65 501.61 500.09 486.90 190.00 78.96 10.03 69877.56 17316.60 14200.00 10927.27 7509.20 7508.31 4998.68 4919.94 2497.56 104761.38 21068.03 9770.04 9693.82 9683.35 9624.52 9449.26 4847.55 4763.06 4696.95 4694.35 4688.98 4682.03 4677.47 2421.97 % to V 0.64 0.56 0.56 0.50 0.48 0.41 0.41 0.41 0.40 0.40 0.40 0.40 0.40 0.40 0.40 0.32 0.32 0.32 0.24 0.16 0.12 0.08 0.08 0.08 0.08 0.03 0.01 0.00 11.16 2.76 2.27 1.74 1.20 1.20 0.80 0.79 0.40 16.73 3.36 1.56 1.55 1.55 1.54 1.51 0.77 0.76 0.75 0.75 0.75 0.75 0.75 0.39 1.85 2.74 97.58 2.42 100.00 7.01% NCD - Non Convertible Deb 7.16% Government Securities 7.58% Zero Coupon Bonds Commercial Papers Certificate Of Deposit State Development Loans Cash & Cash Equivalents Maturity Ladder Cash & Others 2.59% Abv 10 Yrs 0.07% 7-10 Yrs 0.90% 3-7 Yrs 15.23% 1-3 Yrs 46.57% 0-1 Yrs 34.64% 0.00% 10.00% 20.00% 30.00% 40.00% 50.00% V Movement 130 124 118 112 106 100 Short Term Bond Fund - Reg - Growth Crisil Short Term Bond Fund Index Mar-15 Mar-16 Mar-17 Mar-18 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 550.31 ( in Cr.) 2359.2321 1003.8986 1012.8021 1008.5144 2279.8616 1003.8634 1011.8745 1008.4750 Name of the Instrument Ratings % to Name of the Instrument Ratings Lakhs V Debt Instruments Non-Convertible Debentures/Bonds 07.73 % Mahindra Rural Housing Finance Ltd. 08.15 % Piramal Enterprises Ltd. 07.70 % Housing & Urban Development Corporation Ltd. 08.29 % BARD 07.59 % Rural Electrification Corp. Ltd. 07.85 % Indiabulls Housing Finance Ltd. 07.70 % Power Company Ltd. 08.54 % J.M. Financial Products Ltd. 08.54 % IL & FS Financial Ser Ltd. 08.25 % Vizag General Cargo Berth Pvt. Ltd. 07.84 % Trent Ltd. 07.99 % Power Company Ltd. 07.85 % Talwandi Sabo Power Ltd. 09.15 % Capital Financial Services Ltd. 07.85 % BARD 08.32 % Nabha Power Ltd. 08.10 % Reliance Jio Infocomm Ltd. 07.50 % Power Finance Corporation CRISIL- AA+ ICRA- AA ICRA- AAA CRISIL- AA- CRISIL- AA CARE- AAA CRISIL- AA(so) CARE- AA+ CRISIL- AA- CRISIL- AA(so) CRISIL- AA+ ICRA- AAA(so) 41428.38 4966.03 3996.83 2505.99 2504.67 2503.68 2500.94 2497.22 2496.80 2496.53 2495.28 2492.64 2486.24 2471.36 1505.37 1504.66 1002.37 502.67 499.10 75.28 9.02 7.26 4.55 4.55 4.55 4.54 4.54 4.54 4.54 4.53 4.53 4.52 4.49 2.74 2.73 1.82 0.91 0.91 Privately Placed/Unlisted 08.00 % Ongc Petro-additions Ltd. 08.10 % SBI Cards & Payment Services Pvt. Ltd. 08.05 % Daimler Financial Services India Private Ltd. Money Market Instruments Dewan Housing Fin Corporation Ltd. - CP Yes Bank Ltd. - CD HDFC Ltd. - CP Repo Cash / Net Current Asset ICRA- AAA(so) Lakhs 4503.41 2500.00 1003.67 999.74 7112.15 2411.98 2359.28 2340.89 92.41 53136.35 1894.47 55030.82 % to V 8.18 4.54 1.82 1.82 12.92 4.38 4.29 4.25 0.17 96.56 3.44 100.00 537.65 ( in Cr.) VOLATILITY MEASURES^ FUND Modified Duration Average Maturity 0.67 0.43 0.70-0.42-0.13 0.29 0.98 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. 1.26-0.11 1.18 Years 1.3s 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 9.39% as on Mar 28, 2018 For calculation methodology please refer Pg 49 7.62% 7.86% SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () 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 123,960 6.32% 123,679 5.87% 123,994 6.38% (Inception date 13-Jul-2007) (First Installment date 01-Aug-2007) Composition by Ratings 399,781 6.98% 401,958 7.35% 397,319 6.56% 725,035 7.54% 735,665 8.12% 716,188 7.05% Instrument Wise Composition 840,000 1,110,853 7.88% 1,131,372 8.40% 1,082,342 7.15% 1,200,000 1,806,234 7.95% 1,834,528 8.24% 1,705,025 6.84% 1,280,000 1,983,589 7.95% 2,013,298 8.22% 1,857,865 6.79% 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 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 9.03% 3.60% A1+ / AAA 9.06% AA+ / AA 50.22% AA- Db 28.09% Cash & Cash Equivalents 4.29% 3.60% NCD - Non Convertible 8.64% Deb 83.47% 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 3.44% 1.82% 0.00% 4.56% 4.55% 0.17% 18.99% 19.28% 47.19% 0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 130 124 118 112 106 Corporate Bond Fund - Reg - Growth Crisil Short Term Bond Fund Index 100 Mar-15 Mar-16 Mar-17 Mar-18 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 4497.41 ( in Cr.) 2655.4633 1684.1371 1009.4902 1003.5316 2632.4733 1670.2049 1009.4845 1003.5288 4445.21 ( in Cr.) 0.15 0.37 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. VOLATILITY MEASURES^ FUND 0.53 1.33 0.49-0.11 0.09 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. 0.26-0.17 Modified Duration Average Maturity 7.30 Months 7.76 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 9.39% as on Mar 28, 2018 For calculation methodology please refer Pg 49 7.25% 7.38% Name of the Instrument Debt Instruments Non-Convertible Debentures/Bonds/ZCB 08.78 % Indiabulls Housing Finance Ltd. 09.15 % Capital Financial Services Ltd. 09.38 % Rural Electrification Corp. Ltd. 08.55 % Reliance Jio Infocomm Ltd. 07.85 % HDFC Ltd. 07.50 % HDFC Ltd. 06.75 % Rural Electrification Corp. Ltd. 07.59 % Kotak Mahindra Investments Ltd. 08.15 % Piramal Enterprises Ltd. 07.95 % BARD 09.20 % Motors Finance Ltd. 07.90 % BARD 08.62 % Capital Housing Finance Ltd. 07.90 % HDFC Ltd. 06.98 % LIC Housing Finance Ltd. 08.10 % Orix Leasing & Financial Services India Ltd. 07.38 % Kotak Mahindra Prime Ltd. 07.85 % Shriram Trans. Fin. Co. Ltd. 07.55 % Kotak Mahindra Prime Ltd. HDFC Ltd. - Zcb 08.90 % Reliance Jio Infocomm Ltd. 07.85 % Small Indust Devlop Bank Of India 08.40 % Reliance Jio Infocomm Ltd. 07.99 % Power Company Ltd. 07.25 % Reliance Utilities And Power Private Ltd. 09.76 % LIC Housing Finance Ltd. 07.33 % Reliance Utilities And Power Private Ltd. 07.40 % Reliance Utilities And Power Private Ltd. 09.65 % HDFC Ltd. 07.60 % Reliance Utilities And Power Private Ltd. Privately Placed/Unlisted 08.40 % Citicorp Finance Ltd. 08.19 % Mahindra Vehicle Manufacturers Ltd. 08.05 % Vodafone Mobile Services Ltd. 07.54 % Gruh Finance Ltd. 07.44 % Daimler Financial Services India Private Ltd. Ratings 185978.79 18634.98 18566.17 14144.72 12536.58 10006.00 9985.29 9945.13 9924.56 7993.66 7532.12 7522.29 5013.44 5009.02 5006.06 4996.05 4984.45 4951.57 4492.49 2981.71 2719.49 2553.31 2511.87 2507.60 2486.24 2481.27 1525.70 1487.93 1486.32 1013.26 979.51 33997.48 10019.72 5032.42 5003.02 4995.12 4947.60 SIP - If you had invested INR 10000 every month Total Amount Invested () Total Value as on Mar 31, 2018 () 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 CRISIL- AA+ ICRA- AA CRISIL- AA CRISIL- AA+ IND AAA CRISIL- AA+ CRISIL- AA- ICRA- AAA CRISIL- AA Lakhs % to V 41.35 4.14 4.13 3.15 2.79 2.22 2.22 2.21 2.21 1.78 1.67 1.67 1.11 1.11 1.11 1.11 1.11 1.10 0.66 0.60 0.57 0.56 0.56 0.55 0.55 0.34 0.33 0.33 0.23 0.22 7.56 2.23 1.12 1.11 1.11 1.10 Name of the Instrument 08.00 % Ongc Petro-additions Ltd. 08.05 % Daimler Financial Services India Private Ltd. Money Market Instruments BARD - CP Axis Bank Ltd. - CD Bandhan Bank Ltd. - CD Indusind Bank Ltd. - CD Edelweiss Commodities Services Ltd. - CP Piramal Enterprises Ltd. - CP EXIM - CP Dewan Housing Fin Corporation Ltd. - CP Indusind Bank Ltd. - CD HDFC Bank Ltd. - CD IL & FS Financial Ser Ltd. - CP HDFC Bank Ltd. - CD Small Indust Devlop Bank Of India - CD Indusind Bank Ltd. - CD ICICI Bank Ltd. - CD ICICI Bank Ltd. - CD HDB Financial Services Ltd. - CP Vijaya Bank - CD IL&FS Securities Services Ltd. - CP Rural Electrification Corp. Ltd. - CP Yes Bank Ltd. - CD Kotak Mahindra Investments Ltd. - CP Indusind Bank Ltd. - CD Yes Bank Ltd. - CD HDFC Ltd. - CP HDFC Ltd. - CP Indusind Bank Ltd. - CD ICICI Bank Ltd. - CD CBLO Repo Cash / Net Current Asset Ratings Lakhs 2500 1499.60 212561.91 24425.10 19743.24 14824.55 14542.65 9741.18 9696.12 9683.35 9647.92 9526.12 7406.50 7396.14 7087.76 4948.45 4937.09 4936.72 4932.44 4930.25 4926.13 4890.64 4856.37 4846.91 4843.95 4719.86 4717.69 4681.79 2347.18 2335.74 990.07 7593.99 709.18 440841.35 8899.83 449741.18 % to V 0.56 0.33 47.26 5.43 4.39 3.30 3.23 2.17 2.16 2.15 2.15 2.12 1.65 1.64 1.58 1.10 1.10 1.10 1.10 1.10 1.10 1.09 1.08 1.08 1.08 1.05 1.05 1.04 0.52 0.52 0.22 1.70 0.16 98.03 1.97 100.00 7 Year 10 Year 840,000 1,200,000 1,500,000 124,240 402,546 732,827 1,127,936 1,840,802 2,569,792 6.77% 7.45% 7.97% 8.31% 8.31% 8.25% 124,449 400,566 726,177 1,111,293 1,791,294 2,470,941 7.11% 7.11% 7.60% 7.89% 7.79% 7.66% 123,994 397,319 716,188 1,082,342 1,705,025 2,307,227 6.38% 6.56% 7.05% 7.15% 6.84% 6.64% Instrument Wise Composition 3.83% ICRA- AAA(so) CARE- A1+ CARE- A1+ CARE- A1+ 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 10.80% 0.55% 3.83% A1+ / AAA AA+ / AA AA- 25.66% 48.31% NCD - Non Convertible Deb Zero Coupon Bonds Commercial Papers Certificate Of Deposit Entry Load Not Applicable Exit Load NIL Maturity Ladder 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 1.98% 0% 0.22% 2.00% 84.82% 18.61% Cash & Cash Equivalents 25.63% 29.75% 19.98% 1.85% 0.00% 7.00% 14.00% 2% 28.00% 35.00% 21.60% V Movement 130 124 118 112 106 0.60% Ultra Short Term Fund - Reg - Growth Crisil Liquid Fund Index Cash & Cash Equivalents 100 Mar-15 Mar-16 Mar-17 Mar-18 27
Money Market Fund (An Open-Ended Money Market 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 VOLATILITY MEASURES^ FUND 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 11186.37 ( in Cr.) 13138.28 ( 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 0.22 0.77 0.76-0.23-0.04 2738.3709 1001.5187 2726.9377 1001.5157 0.09 0.14 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes Borrowing cost of 0.24 in regular plan and 0.22 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 0.26-0.18 Modified Duration Average Maturity 1.94 Months 1.94 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 9.39% as on Mar 28, 2018 For calculation methodology please refer to Pg 49 7.11% 7.11% Name of the Instrument Debt Instruments Money Market Instruments ICICI Bank Ltd. - CD Reliance Retail Ltd. - CP Punjab & Sind Bank - CD Axis Bank Ltd. - CD Vijaya Bank - CD Small Indust Devlop Bank Of India - CP HDFC Bank Ltd. - CD BARD - CP Indiabulls Housing Finance Ltd. - CP Mahindra & Mahindra Financial Services Ltd. - CP Federal Bank Ltd. - CD Karur Vysya Bank Ltd. - CD IL&FS Ltd. - CP Century Textiles & Industries Ltd. - CP Dewan Housing Fin Corporation Ltd. - CP IDFC Bank Ltd. - CD Edelweiss Commodities Services Ltd. - CP Piramal Housing Finance Ltd. - CP Nabha Power Ltd. - CP Kotak Securities Ltd. - CP Piramal Enterprises Ltd. - CP Federal Bank Ltd. - CD EXIM - CP Rbl Bank Ltd. - CD Piramal Enterprises Ltd. - CP Edelweiss Commodities Services Ltd. - CP IL&FS Securities Services Ltd. - CP IL & FS Financial Ser Ltd. - CP IL & FS Financial Ser Ltd. - CP Ujjivan Small Finance Bank Ltd. - CD Kotak Mahindra Bank - CD Talwandi Sabo Power Ltd. - CP HDFC Ltd. - CP Axis Bank Ltd. - CD L&T Housing Finance Ltd. - CP HDB Financial Services Ltd. - CP Bajaj Finance Ltd. - CP Vedanta Ltd. - CP Birla Tmt Holdings Pvt Ltd. - CP IDFC Bank Ltd. - CD Smartchem Technologies Ltd. - CP Vedanta Ltd. - CP Ratings 1201079.89 59404.29 49600.29 49446.85 37070.03 34646.21 29841.56 29703.29 29690.52 29677.92 29669.63 29661.69 29589.00 24907.23 24730.31 24726.05 24716.78 24691.53 24656.83 24655.95 22464.35 22340.30 19797.83 19793.66 19789.17 19783.74 19768.48 19747.21 19698.62 19678.30 19675.48 19671.17 18860.75 15993.21 14898.18 14868.12 14864.65 14855.52 12429.98 12429.00 12420.43 12354.79 9952.59 107.37 5.31 4.43 4.42 3.31 3.10 2.67 2.66 2.65 2.65 2.65 2.65 2.65 2.23 2.21 2.21 2.21 2.21 2.20 2.20 2.01 2.00 1.77 1.77 1.77 1.77 1.77 1.77 1.76 1.76 1.76 1.76 1.69 1.43 1.33 1.33 1.33 1.33 1.11 1.11 1.11 1.10 0.89 Bandhan Bank CBLO Repo Net Current Liabilities 75000.00 6991.90 858.85 1307930.64-189293.81 1118636.83 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () 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+ (SO) % to Name of the Instrument Ratings Lakhs V 124,399 6.89% 124,467 7.00% 124,017 6.29% 400,726 7.09% 400,621 7.07% 397,410 6.53% HDFC Ltd. - CP J.M. Financial Products Ltd. - CP IIFL Wealth Finance Ltd. - CP Small Indust Devlop Bank Of India - CD Cox & Kings Ltd. - CP India Infoline Ltd. - CP Cox & Kings Ltd. - CP Punjab & Sind Bank - CD Smartchem Technologies Ltd. - CP India Infoline Finance Ltd. - CP Vedanta Ltd. - CP Yes Bank Ltd. - CD Aadhar Housing Finance Ltd. - CP Axis Bank Ltd. - CD HDFC Credila Financial Services Pvt Ltd. - CP IDFC Bank Ltd. - CD Edelweiss Commodities Services Ltd. - CP Muthoot Homefin (india) Ltd. - CP Cox & Kings Ltd. - CP Bharti Hexacom Ltd. - CP JM Financial Asset Reconstruction Company Ltd. - CP Il&fs Securities Services Ltd. - CP Small Indust Devlop Bank Of India - CP Fedbank Financial Services Ltd. - CP IDFC Bank Ltd. - CD Aditya Birla Housing Finance Ltd. - CP Rbl Bank Ltd. - CD Piramal Enterprises Ltd. - CP Reliance Jio Infocomm Ltd. - CP Axis Finance Ltd. - CP Shriram Trans. Fin. Co. Ltd. - CP Yes Bank Ltd. - CD Treasury Bill 91 Days (17/05/2018) Treasury Bill 91 Days (24/05/2018) Treasury Bill 91 Days (07/06/2018) Treasury Bill 91 Days (05/04/2018) Treasury Bill 91 Days (19/04/2018) Fixed Deposit Rbl Bank Ltd. 726,940 7.61% 726,289 7.58% 716,304 7.02% 840,000 1,117,254 8.02% 1,111,478 7.87% 1,082,541 7.13% Instrument Wise Composition -7.37% 0.14% CARE- A1+ CARE- A1+ CARE- A1+ RN RN RN RN RN 1,200,000 1,815,859 8.03% 1,791,577 7.78% 1,705,253 6.83% Lakhs 9944.06 9938.13 9930.70 9896.90 9883.18 9880.14 9866.43 9865.49 9836.22 9816.28 7450.25 7422.19 7405.93 4953.34 4945.81 4944.22 4941.17 4932.54 4925.36 4919.30 4911.92 4890.64 3958.74 2962.34 2498.98 2487.61 2486.89 2486.00 2479.18 2476.92 2476.90 2476.12 496.25 457.32 306.40 160.39 148.16 99000.00 24000.00 % to V 0.89 0.89 0.89 0.88 0.88 0.88 0.88 0.88 0.88 0.88 0.67 0.66 0.66 0.44 0.44 0.44 0.44 0.44 0.44 0.44 0.44 0.44 0.35 0.26 0.22 0.22 0.22 0.22 0.22 0.22 0.22 0.22 0.04 0.04 0.03 0.01 0.01 8.85 2.15 6.70 0.63 0.08 116.93-16.93 100.00 1,620,000 2,847,069 7.95% 2,770,499 7.58% 2,569,805 6.55% 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 0.14% -7.37% A1+ / AAA 107.23% Cash & Cash Equivalents 39.78% 67.45% Treasury Bills Commercial Papers Certificate Of Deposit Cash & Cash Equivalents Maturity Ladder -16.92% Cash & Others 2-3 Mths 50.80% 1-2 Mths 51.28% Abv 15-30 Days 10.46% Abv 7-15 Days 2.01% 1-7 Days 2.37% -20.00% 0.00% 20.00% 40.00% 60.00% V Movement 130 Money Market Fund - Reg - Growth Crisil Liquid Fund Index 124 118 112 106 100 Mar-15 Mar-16 Mar-17 Mar-18 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 - Daily Dividend Reg - Growth Reg - Daily Dividend 3366.81 ( in Cr.) 4328.45 ( in Cr.) VOLATILITY MEASURES^ FUND 3203.7490 1114.5200 3191.6550 1114.5200 0.09 0.15 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes Borrowing cost of 0.15 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 0.23 0.79 0.79-0.22-0.04 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. 0.26-0.18 Modified Duration Average Maturity 2.00 Months 2.00 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 9.39% as on Mar 28, 2018 For calculation methodology please refer to Pg 49 7.05% 7.05% [ICRA]A1+mfs rating by ICRA$ Name of the Instrument Ratings Lakhs Debt Instruments Money Market Instruments BARD - CP Kotak Mahindra Bank - CD Bajaj Finance Ltd. - CP ICICI Bank Ltd. - CD Reliance Jio Infocomm Ltd. - CP Indiabulls Housing Finance Ltd. - CP Mahindra & Mahindra Financial Services Ltd. - CP Federal Bank Ltd. - CD Punjab & Sind Bank - CD IL & FS Financial Ser Ltd. - CP L&t Infrastucture Finance Co Ltd. - CP Edelweiss Commodities Services Ltd. - CP Vedanta Ltd. - CP Vedanta Ltd. - CP L&T Housing Finance Ltd. - CP Vijaya Bank - CD India Infoline Housing Finance Ltd. - CP IL&FS Securities Services Ltd. - CP IDFC Bank Ltd. - CD Raymond Ltd. - CP IIFL Wealth Finance Ltd. - CP Piramal Enterprises Ltd. - CP CARE- A1+ 354968.16 27216.31 24588.97 19807.36 19801.43 19791.78 19785.28 19779.75 19760.52 19730.98 19706.76 14834.58 14823.50 9946.06 9933.66 9912.08 9898.92 9891.26 9875.95 7452.26 7431.33 4965.35 4964.51 105.43 8.08 7.30 5.88 5.88 5.88 5.88 5.87 5.87 5.86 5.85 4.41 4.40 2.95 2.95 2.94 2.94 2.94 2.93 2.21 2.21 1.47 1.47 Talwandi Sabo Power Ltd. - CP Yes Bank Ltd. - CD Piramal Enterprises Ltd. - CP Vedanta Ltd. - CP HDFC Ltd. - CP BARD - CP Fedbank Financial Services Ltd. - CP ICICI Bank Ltd. - CD Smartchem Technologies Ltd. - CP Treasury Bill 91 Days (31/05/2018) Treasury Bill 91 Days (12/04/2018) Treasury Bill 91 Days (14/06/2018) Repo Net Current Liabilities (so) 4963.36 4948.12 4945.94 2488.15 2486.02 2481.76 2480.89 2477.52 2459.06 913.29 399.27 26.18 1709.67 356677.83-19997.31 336680.52 0.51 105.94-5.94 100 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () 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 124,373 6.85% 124,467 7.00% 124,017 6.29% 400,439 7.04% 400,621 7.07% 397,410 6.53% 725,899 7.56% 726,289 7.58% 716,304 7.02% 840,000 1,114,477 7.95% 1,111,478 7.87% 1,082,541 7.13% 1,200,000 1,810,895 7.98% 1,791,577 7.78% 1,705,253 6.83% 1,780,000 3,278,532 7.79% 3,188,840 7.45% 2,935,316 6.43% (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 0.40% -5.43% A1+ / AAA % to V Name of the Instrument Ratings Lakhs Instrument Wise Composition 32.27% -5.43% 0.40% Treasury Bills Commercial Papers % to V 1.47 1.47 1.47 0.74 0.74 0.74 0.74 0.74 0.73 0.27 0.12 0.01 Entry Load Not Applicable Exit Load Nil 105.03% Cash & Cash Equivalents 72.76% Certificate Of Deposit Cash & Cash Equivalents Maturity Ladder - 5.94% Cash & Others 2-3 Mths 31.77% 1-2 Mths 69.11% Abv 15-30 Days 4.43% Abv 7-15 Days 0.12% 1-7 Days 0.51% -10.00% 10.00% 30.00% 50.00% 70.00% V Movement 130 124 118 112 106 Liquid Fund - Reg - Growth Crisil Liquid Fund Index 100 Mar-15 Mar-16 Mar-17 Mar-18 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 - 6.68% (17/09/2031) GOI - 7.17% (08/01/2028) GOI - 6.79% (15/05/2027) SDL Rajasthan Uday 8.13% (27/03/2028) GOI - 7.73% (19/12/2034) GOI - 6.57% (05/12/2033) SDL Tamilnadu 7.65% (06/12/2027) GOI - 10.70% (22/04/2020) GOI - 6.90% (13/07/2019) 11497.37 4156.14 3444.68 1900.55 1014.62 501.50 451.74 14.81 10.92 2.41 % to V 94.94 34.32 28.44 15.69 8.38 4.14 3.73 0.12 0.09 0.02 Name of the Instrument Repo Net Current Liabilities Ratings Lakhs 2894.99 14392.36-2281.86 12110.50 % to V 23.91 118.85-18.85 100.00 CRISIL Gilt Index V - Growth - Dividend Reg -Growth Reg -Dividend 52.1674 15.1519 49.7789 14.3786 121.11 ( in Cr.) 119.03 ( in Cr.) 0.28 1.69 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. VOLATILITY MEASURES^ FUND 4.85 1.02 0.92-0.24-0.12 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 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 4.31-0.12 Modified Duration Average Maturity 7.20 Years 10.98 Years Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets 7.45% 7.53% SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () Returns Total Value of B CRISIL Gilt Index B CRISIL Gilt Index Total Value of AB CRISIL 10 Yr Gilt Index AB CRISIL 10 Yr Gilt Index 120,503 0.80% 121,022 1.62% 119,107-1.41% 392,205 5.69% 393,728 5.95% 385,552 4.54% 726,173 7.60% 729,023 7.76% 706,436 6.50% 840,000 1,123,559 8.20% 1,120,277 8.12% 1,066,729 6.74% 1,200,000 1,791,768 7.79% 1,806,619 7.95% 1,671,421 6.46% 2,220,000 4,688,155 7.52% 4,869,692 7.88% 4,173,568 6.41% (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 5.06% Instrument Wise Composition 8.50% 5.06% Government Securities State Development Loans Exit Load 0.50% of V if redeemed on or before expiry of 180 days from the date of allotment. Cash & Cash Equivalents Cash & Cash Equivalents 94.94% 86.44% Maturity Ladder Cash & Others -18.84% Abv 10 Yrs 7-10 Yrs 3-7 Yrs 1-3 Yrs 0-1 Yrs 0.00% 0.11% 23.90% 42.19% 52.64% -25.00% -5.00% 15.00% 35.00% 55.00% V Movement 130 Gilt Securities Fund - Reg - Growth CRISIL Gilt Index 122 114 106 98 90 Mar-15 Mar-16 Mar-17 Mar-18 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) Name of the Instrument Debt Instruments Government Securities GOI - 8.28% (21/09/2027) GOI 8.35% 14/5/2022 GOI 8.24% 15/02/2027 GOI - 7.16% (20/05/2023) SDL Maharashtra 8.94% (23/07/2024) GOI - 7.68% (15/12/2023). 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) Ratings Lakhs 18130.01 4152.56 4144.98 3982.89 3464.95 525.57 507.51 497.45 437.26 262.55 154.29 % to V 90.53 20.73 20.70 19.89 17.30 2.62 2.53 2.48 2.18 1.31 0.77 Name of the Instrument Repo Cash / Net Current Asset Ratings Lakhs 1564.02 19694.03 333.03 20027.06 % to V 7.83 98.36 1.64 100.00 I-Sec Composite Index V - Growth - Dividend Reg - Growth Reg - Dividend 19.5759 18.3211 # 18.6948 17.7384 # 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. 200.27 ( in Cr.) 199.87 ( in Cr.) VOLATILITY MEASURES^ FUND 3.76 1.06 0.98-0.21-0.16 0.37 1.80 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. 3.59-0.06 Modified Duration Average Maturity 4.62 Years 6.30 Years Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* *NCA - Net Current Assets 7.38% 7.48% ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 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 SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () 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 121,338 2.12% 122,718 4.33% 119,107-1.41% 392,526 5.74% 400,394 7.08% 385,552 4.54% 727,993 7.70% 743,370 8.54% 706,436 6.50% 840,000 1,134,794 8.48% 1,148,551 8.82% 1,066,729 6.74% 930,000 1,301,271 8.52% 1,316,601 8.81% 1,211,121 6.71% (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 9.47% 90.53% Cash & Cash Equivalents Instrument Wise Composition 9.47% 6.89% 83.64% 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 1.66% 0.00% 42.81% 47.72% 0.00% 7.81% 0.00% 10.00% 20.00% 30.00% 40.00% 50.00% V Movement 130 122 114 106 98 Gilt Mid Term Fund - Reg - Growth I-Sec Composite Index 90 Mar-15 Mar-16 Mar-17 Mar-18 31
Retirement Savings Fund - Progressive (An open ended retirement solution oriented scheme having a lock-in of s or till retirement age (whichever is earlier) VOLATILITY MEASURES^ FUND 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 TRI V - Growth Reg - Growth 404.24 ( in Cr.) 393.26 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 30.2022 27.8110 15.87 0.08 0.97 0.68 0.37 0.47 46.13% 46.13% 1.71 2.71 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. 13.54-0.03-0.11 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 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) If redeemed before 60 years of age 1%. Equity & Equity Related Total Auto Maruti Suzuki India Ltd. Ashok Leyland Ltd. Bajaj Auto Ltd. Auto Ancillaries Ceat Ltd. Banks HDFC Bank Ltd. Yes Bank Ltd. Kotak Mahindra Bank Ltd. Cement Dalmia Bharat Ltd. Grasim Industries Ltd. Construction Project Larsen & Toubro Ltd. Voltas Ltd. Engineers India Ltd. Consumer Durables Bata India Ltd. Consumer Non Durables Hindustan Unilever Ltd. Jubilant Foodworks Ltd. Nestle India Ltd. Global Beverages Ltd. Radico Khaitan Ltd. Heritage Foods Ltd. Gas Gail ( India ) Ltd. Industrial Products Finolex Cables Ltd. Media & Entertainment Zee Entertainment Enterprises Ltd. Sun Tv Network Ltd. Pharmaceuticals Piramal Enterprises Ltd. (Ccd 18Mths) Top 10 Holdings Equity Issuer Name HDFC Bank Ltd. Yes Bank Ltd. HDFC Ltd. Kotak Mahindra Bank Maruti Suzuki India Ltd. Larsen & Toubro Ltd. Power Grid Corporation Of India Ltd. Hindustan Unilever Ltd. Future Retail Ltd. Jubilant Foodworks Ltd. Total No. of Shares 18250 590000 28050 50800 107000 595000 154600 21700 56000 122500 130000 370000 112100 83000 40000 10200 305000 232600 80000 197333 124000 143500 94200 414 SIP - If you had invested INR 10000 every month Total Amount Invested () Total Value as on Mar 31, 2018 () Returns Total Value of B S&P BSE Sensex TRI B S&P BSE Sensex TRI (Inception date 01-Nov-2011) (First Installment date 01-Dec-2011) Lakhs 37621.31 1617.52 857.27 771.07 762.89 2023.85 1814.16 1621.14 626.12 590.30 1607.08 806.78 584.97 818.33 1108.80 930.66 836.62 788.27 770.14 551.60 648.44 829.93 826.99 797.54 430.56 % of Assets 93.07 4.00 2.12 1.91 1.89 5.01 4.49 4.01 1.55 1.46 3.98 2.00 1.45 2.02 2.74 2.30 2.07 1.95 1.91 1.36 1.60 2.05 2.05 1.97 1.07 % to V 5.01 4.49 4.15 4.01 4.00 3.98 2.90 2.74 2.66 2.30 36.24 Finance Housing Development Finance Ltd. Bajaj Finserv Ltd. Bajaj Finance Ltd. Max Financial Services Ltd. ICICI Prudential Life Insurance Company Ltd. Muthoot Finance Ltd. Central Depository Services (India) Ltd. Power Power Grid Corporation Of India Ltd. Retailing Future Retail Ltd. Future Consumer Ltd. Avenue Supermarts Ltd. Software Elxsi Ltd. Majesco Ltd. Textile Products Raymond Ltd. Transportation Container Corporation Of India Ltd. Other Equities^ Repo Net Current Liabilities No. of Shares 92000 16150 47000 179838 189500 139000 173000 605000 195000 1495000 47000 81000 105500 83800 47514 ^ Exposure less than 1% has been clubbed under Other Equities Lakhs 1678.45 836.34 831.78 815.84 738.96 566.49 488.98 1172.79 1075.72 815.52 623.69 797.97 517.85 752.98 590.98 2295.94 2820.26 40441.57-17.89 40423.68 % of Assets 4.15 2.07 2.06 2.02 1.83 1.40 1.21 2.90 2.66 2.02 1.54 1.97 1.28 1.86 1.46 5.68 7.02 100.09-0.09 100.00 7 Year 10 Year 760,000 123,536 464,910 961,526 1,368,229 5.63% 17.46% 19.01% 18.43% 123,269 425,430 795,039 1,118,653 5.20% 11.23% 11.25% 12.09% 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 32-43. *B Benchmark Source MFI Explorer Industry Allocation Finance 14.74% Banks 13.50% Consumer Non Durables 12.33% Auto 8.88% Construction Project 7.42% Retailing 6.22% Media & Entertainment 4.02% Cement 3.97% Software 3.26% Industrial Products 3.01% Power 2.90% Gas 2.58% Consumer Durables 2.02% Auto Ancillaries 1.89% Textile Products 1.86% Transportation 1.46% Pharmaceuticals 1.07% Construction 0.99% Petroleum Products 0.96% 0.00% 5.00% 10.00% 15.00% 20.00% Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 64.14% 31.57% 4.29% 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 Retirement Savings Fund - Progressive Plan - Reg S&P BSE Sensex TRI 144 128 112 96 80 Mar-15 Mar-16 Mar-17 Mar-18 32
Retirement Savings Fund - Moderate (An open ended retirement solution oriented scheme having a lock-in of s or till retirement age (whichever is earlier) VOLATILITY MEASURES^ FUND 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 Hybrid 25+75 Aggressive Index V - Growth Reg - Growth 574.03 ( in Cr.) 546.03 ( in Cr.) 11.89 0.06 1.04 0.85 0.21 0.16 30.6734 28.6031 TURN OVER Portfolio Turnover (Total) 30.71% Portfolio Turnover (Equity component only) 30.71% 1.52 2.57 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. 10.32 0.02 0.05 ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 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) If redeemed before 60 years of age 1%. Equity & Equity Related Total Auto Maruti Suzuki India Ltd. Ashok Leyland Ltd. Bajaj Auto Ltd. Auto Ancillaries Ceat Ltd. Banks HDFC Bank Ltd. Yes Bank Ltd. Kotak Mahindra Bank Ltd. Cement Grasim Industries Ltd. Dalmia Bharat Ltd. Construction Project Larsen & Toubro Ltd. Voltas Ltd. Engineers India Ltd. Consumer Durables Bata India Ltd. Consumer Non Durables Hindustan Unilever Ltd. Jubilant Foodworks Ltd. Nestle India Ltd. Global Beverages Ltd. Radico Khaitan Ltd. Heritage Foods Ltd. Finance Housing Development Finance Ltd. Bajaj Finserv Ltd. Bajaj Finance Ltd. Max Financial Services Ltd. ICICI Prudential Life Insurance Company Ltd. Muthoot Finance Ltd. No. of Shares Lakhs 43994.29 21760 665000 34700 60400 127000 714500 184050 68300 24805 147000 152500 443100 133700 99500 46000 12200 363000 279500 96538 108000 19800 56500 208799 224000 156700 SIP - If you had invested INR 10000 every month 1928.62 966.25 953.87 907.06 2402.14 2178.51 1929.95 719.95 715.71 1928.49 946.42 700.54 976.01 1329.22 1070.26 1000.66 938.17 925.42 665.63 1970.35 1025.35 999.91 947.22 873.49 638.63 Total Amount Invested () Total Value as on Mar 31, 2018 () 123,100 Returns 4.93% Total Value of B CRISIL Hybrid 25 75 Aggressive Index 122,493 B CRISIL Hybrid 25 75 Aggressive Index 3.96% Total Value of AB S&P BSE Sensex TRI 123,269 AB S&P BSE Sensex TRI 5.20% (Inception date 01-Nov-2011) (First Installment date 01-Dec-2011) Top 10 Holdings Equity Issuer Name HDFC Bank Ltd. Yes Bank Ltd. HDFC Ltd. Larsen & Toubro Ltd. Kotak Mahindra Bank Maruti Suzuki India Ltd. Power Grid Corporation Of India Ltd. Hindustan Unilever Ltd. Future Retail Ltd. Jubilant Foodworks Ltd. Total % of Assets 76.64 3.36 1.68 1.66 1.58 4.18 3.80 3.36 1.25 1.25 3.36 1.65 1.22 1.70 2.32 1.86 1.74 1.63 1.61 1.16 3.43 1.79 1.74 1.65 1.52 1.11 Repo Net Current Liabilities No. of Shares Lakhs 11841.23 60063.09-2660.09 57403.00 % of Assets 20.90 104.91-4.91 100.00 7 Year 10 Year % to V 4.18 3.80 3.43 3.36 3.36 3.36 2.75 2.32 2.08 1.86 30.50 448,695 14.94% 427,493 11.57% 425,430 11.23% Gas Gail ( India ) Ltd. Industrial Products Finolex Cables Ltd. Media & Entertainment Zee Entertainment Enterprises Ltd. Sun Tv Network Ltd. Power Power Grid Corporation Of India Ltd. Retailing Future Retail Ltd. Future Consumer Ltd. Software Elxsi Ltd. Majesco Ltd. Textile Products Raymond Ltd. Transportation Container Corporation Of India Ltd. Other Equities^ Industry Allocation 208000 146156 176550 113650 815000 216500 1735000 96200 117000 79750 683.49 978.22 1017.46 962.22 1579.88 1194.32 946.44 947.71 574.29 716.59 60986 758.54 3997.30 Name of the Instrument Ratings Lakhs Debt Instruments Government Securities GOI - 8.40% (28/07/2024) Non-Convertible Debentures/Bonds/ZCB HDFC Ltd. - ZCB 06.99 % Rural Electrification Corp. Ltd. ^ Exposure less than 1% has been clubbed under Other Equities 949,040 18.47% 822,726 12.64% 795,039 11.25% 521.77 521.77 3705.80 2719.49 986.31 1.19 1.70 1.77 1.68 2.75 2.08 1.65 1.65 1.25 1.32 6.96 % to V 0.91 0.91 6.46 4.74 1.72 760,000 1,368,230 18.43% 1,152,538 13.03% 1,118,653 12.09% 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 32-43. *B Benchmark, AB Additional Benchmark Source MFI Explorer Finance Banks Consumer Non Durables Auto Construction Project Retailing Media & Entertainment Cement Power Software Industrial Products Gas Consumer Durables Auto Ancillaries Transportation Textile Products Construction Petroleum Products Pharmaceuticals 7.38% 6.23% 4.51% 3.45% 3.31% 2.75% 2.65% 2.46% 2.00% 1.70% 1.58% 1.32% 1.25% 0.84% 0.81% 0.62% 12.10% 11.34% 10.33% 0.00% 5.00% 10.00% 15.00% Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap 64.65% 31.28% 4.07% "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 150 136 122 108 94 80 Retirement Savings Fund - Moderate Plan - Reg CRISIL Hybrid 25 75 Aggressive Index Mar-15 Mar-16 Mar-17 Mar-18 33
Retirement Savings Fund - Conservative (An open ended retirement solution oriented scheme having a lock-in of s or till retirement age (whichever is earlier)) 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 Short Term Debt Hybrid 75+25 Fund Index V - Growth Reg - Growth 128.91 ( in Cr.) 127.98 ( in Cr.) 20.2202 18.8731 Equity & Equity Related Total Auto Maruti Suzuki India Ltd. Banks HDFC Bank Ltd. Yes Bank Ltd. Kotak Mahindra Bank Ltd. Construction Project Larsen & Toubro Ltd. Finance Housing Development Finance Ltd. Other Equities^ No. of Shares 1790 10400 57750 14900 11950 8800 Lakhs 3755.70 158.65 196.71 176.08 156.24 156.77 160.55 2750.70 % of Assets 29.14 1.23 1.53 1.37 1.21 1.22 1.25 21.34 Name of the Instrument Debt Instruments Government Securities GOI - 6.84% (19/12/2022) GOI - 8.24% (15/02/2027) GOI - 6.79% (15/05/2027) GOI - 8.40% (28/07/2024) GOI - 8.20% (24/09/2025) GOI - 7.80% (11/04/2021) GOI - 7.73% (19/12/2034) SDL Maharashtra 8.44% (26/11/2024) Non-Convertible Debentures/Bonds 09.95 % Food Corporation Of India Ltd. 11.25 % Power Finance Corporation Money Market Instruments Axis Bank Ltd. - CD Repo Cash / Net Current Asset Ratings (so) ^ Exposure less than 1% has been clubbed under Other Equities Lakhs 5918.60 1471.77 1086.24 950.28 521.77 517.48 509.56 501.50 360.00 995.40 535.07 460.33 49.00 49.00 2171.75 12890.45 0.38 12890.83 % to V 45.91 11.42 8.43 7.37 4.05 4.01 3.95 3.89 2.79 7.72 4.15 3.57 0.38 0.38 16.83 99.98 0.02 100.00 1.28 2.73 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. VOLATILITY MEASURES^ FUND 5.29 1.33 0.87-0.05 0.01 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 3.59-0.06 Modified Duration Average Maturity 3.69 Years 5.17 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 9.39% as on Mar 28, 2018 For calculation methodology please refer to Pg 49 7.31% 7.32% (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) If redeemed before 60 years of age 1%. SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () 760,000 Total Value as on Mar 31, 2018 () 122,044 411,930 778,237 1,062,583 Returns 3.25% 9.02% 10.39% 10.48% Total Value of B CRISIL Short Term Debt Hybrid 75 123,415 410,735 764,410 1,044,987 +25 Fund Index B CRISIL Short Term Debt Hybrid 75+25 Fund Index 5.44% 8.82% 9.67% 9.96% Total Value of AB CRISIL 10 Yr Gilt Index 119,107 385,552 706,436 940,929 AB CRISIL 10 Yr Gilt Index -1.41% 4.54% 6.50% 6.68% (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 16.86% 45.91% 8.10% 29.13% A1+ / AAA Equity Cash & Cash Equivalents Instrument Wise Composition 16.85% Equity Shares 0.38% 28.76% NCD - Non Convertible Deb 2.79% 0.38% Government Securities Certificate Of Deposit 43.12% 7.72% State Development Loans Compulsory Convertible Debenture Cash & Cash Equivalents Maturity Ladder Cash & Others 29.14% Abv 10 Yrs 3.89% 7-10 Yrs 19.81% 3-7 Yrs 26.36% 1-3 Yrs 0.00% 0-1 Yrs 20.80% 0.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% V Movement 140 130 120 110 100 Retirement Savings Fund - Reg - Conservative Plan CRISIL Short Term Debt Hybrid 75+25 Fund Index 90 Mar-15 Mar-16 Mar-17 Mar-18 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 Hybrid 35+65 - Aggressive Index V Reg 216.28 ( in Cr.) 27.4642 26.0076 216.94 ( in Cr.) TURN OVER Portfolio Turnover (Total) Portfolio Turnover (Equity component only) 36.77% 14.07% 1.83 3.01 **Note The rates specified are the actual weighted average expenses charged for the month of Mar 2018. 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. VOLATILITY MEASURES^ FUND Sharpe Ratio Modified Duration Average Maturity 7.28-0.08 0.72 0.85-0.24-0.20 Gross Yield to Maturity (For Debt Component) i. Including NCA* ii. Excluding NCA* 9.02 0.01 0.03 3.86 Years 5.2s *NCA - Net Current Assets ^Risk-free rate based on the FBIL Overnight MIBOR rate of 9.39% as on Mar 28, 2018 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. 7.50% 7.65% No. of Shares Lakhs Equity & Equity Related Total Auto Maruti Suzuki India Ltd. 8100 Bajaj Auto Ltd. 15200 Escorts Ltd. 47000 Hero Motocorp Ltd. 9100 Auto Ancillaries Ceat Ltd. 25000 Banks Yes Bank Ltd. 317500 HDFC Bank Ltd. 21800 Construction Project Engineers India Ltd. 184000 Voltas Ltd. 38000 Consumer Non Durables ITC Ltd. 160000 P & G Hygiene & Health Care Ltd. 2725 Jubilant Foodworks Ltd. 10600 Finance Muthoot Finance Ltd. 92000 Max Financial Services Ltd. 66000 Gas Gail ( India ) Ltd. 115554 Hotels, Resort And Other Recreational Activities 90000 Wonderla Holidays Ltd. Industrial Products Finolex Cables Ltd. Media & Entertainment Zee Entertainment Enterprises Ltd. Power Power Grid Corporation Of India Ltd. Retailing Future Retail Ltd. Future Consumer Ltd. Textile Products Raymond Ltd. 85500 55000 120000 78000 750000 55000 10943.99 717.92 417.83 384.62 322.64 375.44 968.06 412.34 290.90 235.83 409.44 257.34 246.62 374.95 299.41 379.71 306.77 572.25 316.97 232.62 430.29 409.13 494.20 % of Assets 50.60 3.32 1.93 1.78 1.49 1.74 4.48 1.91 1.35 1.09 1.89 1.19 1.14 1.73 1.38 1.76 1.42 2.65 1.47 1.08 1.99 1.89 2.29 40000 497.52 1591.19 Ratings Lakhs SIP - If you had invested INR 10000 every month 7 Year 10 Year Total Amount Invested () Total Value as on Mar 31, 2018 () 121,695 Returns 2.69% Total Value of B CRISIL Hybrid 35+65 - Aggressive Index 122,510 B CRISIL Hybrid 35+65 - Aggressive Index 3.99% Total Value of AB CRISIL 10 Yr Gilt Index 119,097 AB CRISIL 10 Yr Gilt Index -1.42% (Inception date 14-Oct-1995) (First Installment date 01-Feb-1996) 412,286 9.07% 424,166 11.03% 385,622 4.55% 790,840 11.03% 812,695 12.14% 706,405 6.49% 840,000 1,258,264 11.38% 1,297,762 12.25% 1,066,568 6.74% 1,200,000 2,157,107 11.31% 2,204,189 11.71% 1,671,505 6.46% 2.30 7.36 % to V 2,660,000 13,367,366 12.76% 12,172,287 12.08% 5,565,324 6.17% 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. Maruti Suzuki India Ltd. Finolex Cables Ltd. Container Corporation Of India Ltd. Raymond Ltd. Future Retail Ltd. Bajaj Auto Ltd. HDFC Bank Ltd. ITC Ltd. Future Consumer Ltd. Total Market Capitalisation wise Exposure Large Cap Mid Cap Small Cap % to V 4.48 3.32 2.65 2.30 2.29 1.99 1.93 1.91 1.89 1.89 24.65 54.01% 39.26% 6.73% "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 Transportation Container Corporation Of India Ltd. Other Equities^ Name of the Instrument 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. 08.87 % Exim 07.60 % National Highways Authority Of India 07.90 % India Infradebt Ltd. 07.30 % Power Grid Corporation Of India Ltd. 08.49 % NHPC Ltd. Privately Placed/Unlisted 08.10 % SBI Cards & Payment Services Pvt. Ltd. Repo Cash / Net Current Asset ^ Exposure less than 1% has been clubbed under Other Equities 4922.35 1038.14 1019.13 931.07 746.17 517.48 516.12 154.24 3752.39 1048.03 613.26 520.71 498.26 493.48 478.00 100.65 983.99 983.99 833.74 21436.46 191.30 21627.76 % of Assets 22.76 4.80 4.71 4.30 3.45 2.39 2.39 0.71 17.35 4.85 2.84 2.41 2.30 Industry Allocation Auto 9.46% Banks 7.13% Consumer Non Durables 6.21% Retailing 4.77% Finance 3.12% Industrial Products 2.65% Construction Project 2.44% Media & Entertainment 2.42% Transportation 2.30% Textile Products 2.29% Gas 1.76% Auto Ancillaries 1.74% Hotels, Resort And Other Recreational 1.42% Power 1.08% Cement 0.73% Software 0.68% Petroleum Products 0.42% 0.00% 5.00% 10.00% 2.28 2.21 0.47 4.55 4.55 3.85 99.11 0.89 100.00 V Movement Young Citizens Fund - Reg 140 CRISIL Hybrid 35+65 - Aggressive Index 130 120 110 100 90 Mar-15 Mar-16 Mar-17 Mar-18 35
SCHEME PERFORMANCE Lumpsum Performance of Open Ended Schemes Lumpsum Performance of schemes managed by Akhil Mittal Dynamic Bond Fund 3.88% 6.76% 8.76% 6.88% Inception date 3-Sep-03 10,384 12,165 15,219 26,370 CRISIL Composite Bond Fund Index* 5.10% 8.12% 8.60% 6.56% 10,506 12,632 15,110 25,262 Crisil 10 Yr Gilt Index # -0.42% 6.36% 6.42% 5.39% 9,958 12,029 13,649 21,498 Managing since 26-Jun-14 Ultra Short Term Fund 6.85% 7.83% 8.44% 8.01% Inception date 6-Sep-05 10,679 12,532 14,996 26,325 Crisil Liquid Fund Index* Crisil 1 Yr T-Bill Index # 6.85% 7.33% 8.09% 7.35% 10,679 12,360 14,755 24,382 5.92% 6.91% 7.05% 6.20% 10,587 12,217 14,060 21,287 Managing since 26-Jun-14 Long Term Debt Fund 4.10% 6.69% 7.97% 8.23% Inception date 28-Apr-97 10,407 12,141 14,675 52,388 Crisil Composite Bond Fund Index* 5.10% 8.12% 8.60% 10,506 12,632 15,110 Lumpsum Performance of schemes managed by Amit Somani Crisil 10 Yr Gilt Index # -0.42% 6.36% 6.42% 9,958 12,029 13,649 Managing since 26-Jun-14 Young Citizens Fund 9.31% 7.17% 12.34% 13.01% Inception date 14-Oct-95 (Manages debt portfolio) 10,923 12,303 17,901 156,045 CRISIL Hybrid 35+65 - Aggressive Index* 10.05% 9.12% 13.46% 10,996 12,987 18,810 Crisil 10 Yr Gilt Index # -0.42% 6.36% 6.42% 9,958 12,029 13,649 Managing since 30-Jul-15 Corporate Bond Fund Crisil Short Term Bond Fund Index* Crisil 1 Yr T-Bill Index # Money Market Fund Crisil Liquid Fund Index* Crisil 1 Yr T-Bill Index # 6.48% 7.38% 7.98% 7.99% Inception date 13-Jul-07 10,642 12,377 14,682 22,799 6.17% 7.90% 8.56% 8.03% 10,611 12,558 15,082 22,874 5.92% 6.91% 7.05% 6.34% 10,587 12,217 14,060 19,326 Managing since 21-May-14 6.78% 7.41% 8.14% 7.66% Inception date 01-Sep-04 10,678 12,395 14,795 27,269 6.84% 7.33% 8.08% 7.14% 10,684 12,367 14,752 25,514 5.92% 6.91% 7.05% 6.09% 10,592 12,223 14,059 22,340 Managing since 16-Oct-13 Liquid Fund Crisil Liquid Fund Index* Crisil 1 Yr T-Bill Index # 6.75% 7.37% 8.06% 7.35% Inception date 22-May-03 10,675 12,379 14,735 28,723 6.84% 7.33% 8.08% 6.87% 10,684 12,367 14,752 26,843 5.92% 6.91% 7.05% 5.92% 10,592 12,223 14,059 23,522 Managing since 16-Oct-13 Lumpsum Performance of schemes managed by Gopal Agrawal Large Cap Fund S&P BSE Sensex TRI* 8.61% 6.45% 14.11% 20.91% Inception date 07-May-98 10,853 12,060 19,355 437,862 12.81% 7.14% 13.48% 11.94% 11,270 12,295 18,823 94,487 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 Hybrid 35+65 - Aggressive Index* S&P BSE Sensex TRI # Retirement Savings Fund - Progressive Plan S&P BSE Sensex TRI* 5.08% 5.59% 16.47% 15.87% Inception date 8-Oct-95 (Manages debt portfolio) 10,504 11,769 21,442 274,325 10.05% 9.12% 13.46% 10,996 12,987 18,810 12.81% 7.14% 13.48% 11.11% 11,270 12,295 18,823 106,837 Managing since 01-Apr-17 17.82% 13.10% 19.88% 17.31% Inception date 1-Nov-11 (Manages debt portfolio) 11,767 14,459 24,774 27,811 12.81% 7.14% 13.48% 12.02% 11,270 12,295 18,823 20,692 Managing since 01-Apr-17 Medium Term Fund Crisil Composite Bond Fund Index* Crisil 10 Yr Gilt Index # Retirement Savings Fund - Conservative Plan CRISIL Short Term Debt Hybrid 75+25 Fund Index* Crisil 10 Yr Gilt Index # 5.24% 7.00% 8.00% 6.64% Inception date 11-Nov-02 10,520 12,245 14,699 26,882 5.10% 8.12% 8.60% 6.82% 10,506 12,632 15,110 27,598-0.42% 6.36% 6.42% 6.09% 9,958 12,029 13,649 24,819 Managing since 01-Apr-17 7.31% 8.63% 11.31% 10.42% Inception date 1-Nov-11 (Manages debt portfolio) 10,725 12,814 17,093 18,873 7.85% 8.44% 10.53% 10.11% 10,778 12,746 16,499 18,533-0.42% 6.36% 6.42% 7.53% 9,958 12,029 13,649 15,921 Managing since 01-Apr-17 Saving Equity Fund 3.72% 4.38% 6.55% 7.23% Inception date 27-Apr-00 (Manages debt portfolio) 10,369 11,371 13,734 34,972 Nifty 50 Index TRI (35%),Nifty 50 Arbitrage Index (30%), Crisil Short Term Bond Fund Index (35%)* 10.98% 8.02% 10.32% 11,088 12,598 16,342 S&P BSE Sensex TRI # 12.81% 7.14% 13.48% 12.47% 11,270 12,295 18,823 82,199 Managing since 01-Apr-17 5.63% 7.34% 8.31% 7.78% Inception date 8-Aug-02 Short Term Bond Fund 10,558 12,364 14,910 32,274 Crisil Short Term Bond Fund Index* 6.17% 7.90% 8.56% 7.16% 10,611 12,558 15,082 29,520 Crisil 1 Yr T-Bill Index # 5.92% 6.91% 7.05% 5.96% 10,587 12,217 14,060 24,749 Managing since 01-Apr-17 Retirement Savings Fund - Moderate Plan CRISIL Hybrid 25+75 - Aggressive Index* S&P BSE Sensex TRI # 14.68% 11.78% 20.39% 17.82% Inception date 1-Nov-11 (Manages debt portfolio) 11,455 13,959 25,299 28,603 10.79% 9.20% 14.14% 12.67% 11,070 13,015 19,383 21,475 12.81% 7.14% 13.48% 12.02% 11,270 12,295 18,823 20,692 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 CRISIL Gilt Index* Crisil 10 Yr Gilt Index # 3.37% 6.77% 8.94% 8.39% Inception date 24-Jun-10 10,334 12,168 15,344 18,695 5.10% 8.05% 8.68% 8.52% 10,506 12,610 15,162 18,866-0.42% 6.36% 6.42% 6.29% 9,958 12,029 13,649 16,062 Managing since 01-Apr-17 3.25% 6.38% 8.46% 9.03% Inception date 6-Sep-99 10,322 12,033 15,015 49,779 2.89% 7.16% 7.80% 9.13% 10,287 12,299 14,559 50,662-0.42% 6.36% 6.42% 9,958 12,029 13,649 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 $ CRISIL Hybrid 35+65 - Aggressive Index* S&P BSE Sensex TRI # Ethical Fund Nifty 500 Shariah TRI* Nifty 50 TRI # 5.08% 5.59% 16.47% 15.87% Inception date 8-Oct-95 (Manages equity portfolio) 10,504 11,769 21,442 274,325 10.05% 9.12% 13.46% 10,996 12,987 18,810 12.81% 7.14% 13.48% 11.11% 11,270 12,295 18,823 106,837 Managing since 01-Apr-16 Banking And Financial Services Fund 12.33% 24.31% Inception date 28-Dec-15 11,222 16,316 Nifty Financial Services TRI* 18.01% 19.28% 11,785 14,867 11.86% 12.93% Nifty 50 TRI # 11,176 13,146 Managing since 28-Dec-15 14.25% 6.08% 16.96% 16.44% Inception date 24-May-96 11,413 11,932 21,900 278,316 17.67% 12.77% 18.95% 11,751 14,330 23,823 11.86% 7.38% 13.63% 12.07% 11,176 12,378 18,954 120,804 Managing since 02-Jan-12 14.82% 5.92% 17.37% 11.90% Inception date 04-Oct-10 Offshore India Sharia Scheme 11,482 11,879 22,287 23,196 Nifty 50 Shariah TRI* Nifty 50 TRI # 14.67% 10.47% 15.24% 9.38% 11,467 13,474 20,333 19,569 11.76% 7.38% 13.63% 8.14% 11,176 12,378 18,954 17,967 Managing since 01-Jan-12 Digital India Fund S&P BSE IT TRI* S&P BSE Sensex # 29.28% 8.97% Inception date 28-Dec-15 12,901 12,132 Note $ Pradeep Gokhale is the co-fund manager 19.42% 5.99% 11,925 11,397 Lumpsum Performance of schemes managed by Rupesh Patel 12.81% 12.54% 11,270 13,043 Managing since 28-Dec-15 Dividend Yield Fund Nifty 500 TRI* Nifty 50 TRI # 5.14% 7.61% 16.33% 16.21% Inception date 22-Nov-04 10,509 12,457 21,310 74,372 12.98% 9.83% 16.31% 15.23% 11,287 13,240 21,292 66,424 11.86% 7.38% 13.63% 14.90% 11,176 12,378 18,954 63,897 Managing since 07-Jun-13-8.45% -7.71% Inception date 28-Dec-15 India Pharma And Healthcare Fund $ Nifty Pharma TRI* Nifty 50 TRI # 9,162 8,348-19.37% -14.47% 8,078 7,035 11.86% 12.93% 11,176 13,146 Managing since 28-Dec-15 Equity Opportunities Fund 9.68% 7.48% 17.43% 12.41% Inception date 25-Feb-93 10,959 12,413 22,339 188,505 S&P BSE 500 TRI* S&P BSE Sensex TRI # 13.32% 9.99% 16.40% 11,321 13,298 21,373 12.81% 7.14% 13.48% 1% 11,270 12,295 18,823 137,411 Managing since 07-Jun-13 14.22% 12.11% 20.68% 19.72% Inception date 31-Mar-96 India Tax Savings Fund 11,409 14,082 25,609 525,184 S&P BSE Sensex TRI* 12.81% 7.14% 13.48% 11.70% 11,270 12,295 18,823 114,188 Managing since 01-Apr-15 India Consumer Fund $ 32.02% 26.51% Inception date 28-Dec-15 13,172 16,970 Nifty India Consumption TRI* 20.05% 14.60% 11,987 13,588 11.86% 12.93% Nifty 50 TRI # Managing since 28-Dec-15 Infrastructure Fund Nifty 500 TRI* Nifty 50 TRI # 9.29% 8.32% 16.63% 13.94% Inception date 31-Dec-04 Note $ Rupesh Patel is the co-fund manager 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. 11,176 13,146 10,921 12,702 21,587 56,363 12.98% 9.83% 16.31% 14.24% 11,287 13,240 21,292 58,308 11.86% 7.38% 13.63% 14.09% 11,176 12,378 18,954 57,322 Managing since 01-Jan-14 38
SCHEME PERFORMANCE Lumpsum Performance of schemes managed by Rupesh Patel (contd.) Mid Cap Growth Fund Nifty Midcap 100 TRI* Nifty 50 TRI # Offshore India Infrastructure Scheme S&P BSE Sensex TRI* 11.47% 9.34% 25.33% 12.46% Inception date 01-Jul-94 11,137 13,065 30,938 162,660 10.34% 14.39% 21.96% 11,025 14,958 26,995 11.86% 7.38% 13.63% 10.35% 11,176 12,378 18,954 103,859 Managing since 27-Jun-17 11.06% 9.90% 18.66% 12.07% Inception date 01-Aug-08 11,106 13,265 23,539 30,069 12.70% 7.14% 13.48% 10.31% 11,270 12,295 18,823 25,797 Managing since 01-Jan-14 Resources & Energy Fund Nifty Commodities TRI* Nifty 50 TRI # Offshore India Opportunities Scheme S&P BSE Sensex TRI* 5.36% 18.16% Inception date 28-Dec-15 10,531 14,555 9.33% 24.05% 10,925 16,237 11.86% 12.93% 11,176 13,146 Managing since 28-Dec-15 10.10% 7.05% 15.71% 13.58% Inception date 26-Jul-05 11,010 12,262 20,755 50,250 12.70% 7.14% 13.48% 13.70% 11,270 12,295 18,823 50,930 Managing since 01-Apr-16 Lumpsum Performance of schemes managed by Sonam Udasi Banking And Financial Services Fund Nifty Financial Services TRI* Nifty 50 TRI # Index Fund - Sensex Plan S&P BSE Sensex TRI* 12.33% 24.31% Inception date 28-Dec-15 11,222 16,316 18.01% 19.28% 11,785 14,867 11.86% 12.93% 11,176 13,146 Managing since 01-Apr-16 11.78% 6.01% 11.95% 15.99% Inception date 25-Feb-03 11,168 11,911 17,589 93,908 12.81% 7.14% 13.48% 17.71% 11,270 12,295 18,823 117,207 Managing since 01-Apr-16 Digital India Fund S&P BSE IT TRI* S&P BSE Sensex TRI # India Consumer Fund Nifty India Consumption TRI* Nifty 50 TRI # 29.28% 8.97% Inception date 28-Dec-15 12,901 12,132 19.42% 5.99% 11,925 11,397 12.81% 12.54% 11,270 13,043 Managing since 01-Apr-16 32.02% 26.51% Inception date 28-Dec-15 (Manages equity portfolio) 13,172 16,970 20.05% 14.60% 11,987 13,588 11.86% 12.93% 11,176 13,146 Managing since 01-Apr-16 Equity P/E Fund S&P BSE Sensex TRI* India Pharma And Healthcare Fund Nifty Pharma TRI* Nifty 50 TRI # 14.66% 14.25% 24.11% 20.79% Inception date 29-Jun-04 11,453 14,903 29,461 134,308 12.81% 7.14% 13.48% 16.26% 11,270 12,295 18,823 79,453 Managing since 01-Apr-16 Period -8.45% -7.71% Inception date 28-Dec-15 9,162 8,348-19.37% -14.47% 8,078 7,035 11.86% 12.93% 11,176 13,146 Managing since 01-Apr-16 Index Fund - Nifty Plan Nifty 50 TRI* Saving Equity Fund Nifty 50 Index TRI (35%), Nifty 50 Arbitrage Index (30%), Crisil Short Term Bond Fund Index (35%)* S&P BSE Sensex TRI # 10.81% 11,072 11.86% 11,176 3.72% 10,369 10.98% 11,088 12.81% 11,270 6.27% 11,998 7.38% 12,378 4.38% 11,371 8.02% 12,598 7.14% 12,295 12.19% 17,779 13.63% 18,954 6.55% 13,734 10.32% 16,342 13.48% 18,823 16.33% 98,146 17.80% 118,504 7.23% 34,972 12.47% 82,199 Inception date 25-Feb-03 Managing since 01-Apr-16 Inception date 27-Apr-00 Managing since 01-Apr-16 (Manages equity portfolio) Note $ Sonam Udasi is the co-fund manager 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.) Resources & Energy Fund Nifty Commodities TRI* Nifty 50 TRI # Retirement Savings Fund - Conservative Plan CRISIL Short Term Debt Hybrid 75+25 Fund Index* Crisil 10 Yr Gilt Index # 5.36% 18.16% Inception date 28-Dec-15 10,531 14,555 9.33% 24.05% 10,925 16,237 11.86% 12.93% 11,176 13,146 Managing since 01-Apr-16 Period 7.31% 8.63% 11.31% 10.42% Inception date 01-Nov-11 (Manages equity portfolio) 10,725 12,814 17,093 18,873 7.85% 8.44% 10.53% 10.11% 10,778 12,746 16,499 18,533-0.42% 6.36% 6.42% 7.53% 9,958 12,029 13,649 15,921 Managing since 01-Apr-16 Period 14.68% 11.78% 20.39% 17.82% Inception date 01-Nov-11 Manages equity portfolio Retirement Savings Fund - Moderate Plan 11,455 13,959 25,299 28,603 CRISIL Hybrid 25+75 - Aggressive Index* 10.79% 9.20% 14.14% 12.67% 11,070 13,015 19,383 21,475 S&P BSE Sensex TRI # 12.81% 7.14% 13.48% 12.02% 11,270 12,295 18,823 20,692 Managing since 01-Apr-16 Period Young Citizens Fund 9.31% 7.17% 12.34% 13.01% Inception date 14-Oct-95 10,923 12,303 17,901 156,045 CRISIL Hybrid 35+65 - Aggressive Index* 10.05% 9.12% 13.46% 10,996 12,987 18,810 Crisil 10 Yr Gilt Index # -0.42% 6.36% 6.42% 9,958 12,029 13,649 Managing since 01-Apr-16 Retirement Savings Fund - Progressive Plan S&P BSE Sensex TRI* 17.82% 13.10% 19.88% 17.31% Inception date 01-Nov-11 11,767 14,459 24,774 27,811 12.81% 7.14% 13.48% 12.02% 11,270 12,295 18,823 20,692 Managing since 01-Apr-16 Lumpsum Performance of schemes co-managed by Danesh Mistry Mid Cap Growth Fund $ Nifty Midcap 100 TRI* Nifty 50 TRI # Offshore India Opportunities Scheme S&P BSE Sensex TRI* 11.47% 9.34% 25.33% 12.46% Inception date 01-Jul-94 11,137 13,065 30,938 162,660 10.34% 14.39% 21.96% 11,025 14,958 26,995 11.86% 7.38% 13.63% 10.35% 11,176 12,378 18,954 103,859 Managing since 01-Apr-16 10.10% 7.05% 15.71% 13.58% Inception date 26-Jul-05 11,010 12,262 20,755 50,250 12.70% 7.14% 13.48% 13.70% 11,270 12,295 18,823 50,930 Managing since 1-Apr-16 Note $ Danesh Mistry is the assistant fund manager 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 1,740,000 Inception date 3-Sep-03 Dynamic Bond Fund CRISIL Composite Bond Fund Index* Crisil 10 Yr Gilt Index # 2.00% 121,261 3.99% 122,506-1.41% 119,107 5.97% 393,856 7.23% 401,282 4.54% 385,552 7.58% 725,744 8.52% 743,000 6.50% 706,436 7.46% 3,074,286 7.63% 3,115,813 6.28% 2,799,518 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 1,500,000 6.77% 7.45% 7.97% 8.25% 124,240 402,546 732,827 2,569,792 7.11% 7.11% 7.60% 7.66% 124,449 400,566 726,177 2,470,941 6.38% 6.56% 7.05% 6.64% 123,994 397,319 716,188 2,307,227 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 Hybrid 35+65 - Aggressive Index* Crisil 10 Yr Gilt Index # Period Amt. Invested Period Amt. Invested 2.13% 121,345 3.99% 122,506-1.41% 119,107 2.69% 121,695 3.99% 122,510-1.42% 119,097 5.88% 393,303 7.23% 401,282 4.54% 385,552 9.07% 412,286 11.03% 424,166 4.55% 385,622 7.27% 720,146 8.52% 743,000 6.50% 706,436 11.03% 790,840 12.14% 812,695 6.49% 706,405 2,480,000 Inception date 28-Apr-97 7.25% 5,585,864 6.76% 5,269,185 6.31% 4,995,825 First Installment date 1-Aug-97 Managing since 26-Jun-14 2,660,000 Inception date 14-Oct-95 12.76% 13,367,366 12.08% 12,172,287 6.17% 5,565,324 First Installment date 1-Feb-96 Managing since 30-Jul-15 SIP Performance of schemes managed by Amit Somani Crisil Short Term Bond Crisil 1 Yr T-Bill Crisil Liquid Fund Corporate Bond Fund Fund Index* Index # Money Market Fund Index* Crisil 1 Yr T-Bill Index # Period Amt. Invested Period Amt. Invested 1,280,000 6.32% 6.98% 7.54% 7.95% 123,960 399,781 725,035 1,983,589 5.87% 7.35% 8.12% 8.22% 123,679 401,958 735,665 2,013,298 6.38% 6.56% 7.05% 6.79% 123,994 397,319 716,188 1,857,865 1,620,000 6.89% 7.09% 7.61% 7.95% 124,399 400,726 726,940 2,847,069 7.00% 7.07% 7.58% 7.58% 124,467 400,621 726,289 2,770,499 6.29% 6.53% 7.02% 6.55% 124,017 397,410 716,304 2,569,805 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 1,780,000 Inception date 22-May-03 Crisil Liquid Fund Crisil 1 Yr T-Bill Liquid Fund Index* Index# 6.85% 124,373 7.00% 124,467 6.29% 124,017 7.04% 400,439 7.07% 400,621 6.53% 397,410 7.56% 725,899 7.58% 726,289 7.02% 716,304 7.79% 3,278,532 7.45% 3,188,840 6.43% 2,935,316 First Installment date 1-Jun-03 Managing since 16-Oct-13 SIP Performance of schemes managed by Gopal Agrawal Period Amt. Invested 2,380,000 Inception date 07-May-98 Large Cap Fund S&P BSE Sensex TRI* -1.56% 119,008 5.20% 123,269 8.58% 409,310 11.23% 425,430 11.10% 792,168 11.26% 795,213 18.64% 20,263,606 14.07% 11,551,346 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 2,850,000 Inception date 1-Jul-94 Nifty Midcap Mid Cap Growth Fund 100 TRI* Nifty 50 TRI # -0.29% 119,813 0.26% 120,166 3.70% 122,328 12.27% 431,856 15.92% 454,963 11.28% 425,728 20.03% 985,692 19.97% 984,091 11.63% 802,645 17.27% 19,912,033 17.51% 20,498,580 13.61% 12,858,626 First Installment date 1-Jul-94 Managing since 1-Apr-16 SIP Performance of schemes managed by Pradeep Gokhale Balanced Fund CRISIL Hybrid 35+65 S&P BSE Sensex TRI - Aggressive Index* # Digital India Fund S&P BSE IT TRI* S&P BSE Sensex TRI # Period Amt. Invested Period Amt. Invested 2,660,000-1.02% 6.80% 12.24% 17.16% 119,355 398,751 814,765 24,751,948 3.99% 11.03% 12.14% 12.07% 122,510 424,166 812,695 12,172,287 5.20% 11.23% 11.26% 13.37% 123,269 425,430 795,213 14,543,469 270,000 39.33% 18.58% 143,612 330,652 30.42% 13.96% 138,461 315,061 5.20% 13.10% 123,269 312,181 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 Financial Services Fund Services TRI* Nifty 50 TRI # Period Amt. Invested 270,000-2.75% 18.51% 118,248 330,440 5.47% 20.12% 123,433 335,962 3.70% 12.82% 122,328 311,256 Inception date 28-Dec-15 First Installment date 1-Jan-16 Managing since 28-Dec-15 Period Amt. Invested 2,590,000 Inception date 24-May-96 Ethical Fund Nifty 500 Shariah TRI* Nifty 50 TRI # 8.36% 125,230 9.74% 416,292 13.05% 831,137 18.54% 27,166,800 7.48% 124,684 15.84% 454,452 16.82% 911,754 8.73% 7,320,762 3.70% 122,328 11.28% 425,728 11.63% 802,645 14.05% 14,732,337 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 CRISIL Gilt Index* Crisil 10 Yr Gilt Index # Period Amt. Invested Period Amt. Invested 2.12% 121,338 4.33% 122,718-1.41% 119,107 0.80% 120,503 1.62% 121,022-1.41% 119,107 5.74% 392,526 7.08% 400,394 4.54% 385,552 5.69% 392,205 5.95% 393,728 4.54% 385,552 7.70% 727,993 8.54% 743,370 6.50% 706,436 7.60% 726,173 7.76% 729,023 6.50% 706,436 930,000 8.52% 1,301,271 8.81% 1,316,601 6.71% 1,211,121 2,220,000 7.52% 4,688,155 7.88% 4,869,692 6.41% 4,173,568 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 Hybrid 35+65 Crisil Composite Bond S&P BSE Sensex TRI - Aggressive Index* # Medium Term Fund Fund Index* Crisil 10 Yr Gilt Index # Period Amt. Invested Period Amt. Invested 2,660,000-1.02% 6.80% 12.24% 17.16% 119,355 398,751 814,765 24,751,948 3.99% 11.03% 12.14% 12.07% 122,510 424,166 812,695 12,172,287 5.20% 11.23% 11.26% 13.37% 123,269 425,430 795,213 14,543,469 1,830,000 4.27% 6.67% 7.59% 7.13% 122,684 397,982 725,984 3,245,341 3.99% 7.23% 8.52% 7.51% 122,506 401,282 743,000 3,351,532-1.41% 4.54% 6.50% 6.20% 119,107 385,552 706,436 3,004,768 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 TRI (35%),Nifty 50 Retirement Savings CRISIL Short Term Debt Arbitrage Index (30%), Crisil Short Saving Equity Fund S&P BSE Sensex TRI # Term Bond Fund Index (35%)* Fund - Conservative Plan Hybrid 75+25 Fund Index* Crisil 10 Yr Gilt Index # Period Amt. Invested Period Amt. Invested 2,150,000 1.87% 5.34% 6.04% 6.61% 121,183 390,177 698,471 4,034,360 10.16% 9.92% 9.76% 3.91% 126,339 417,370 766,278 3,095,548 5.20% 11.22% 11.24% 14.50% 123,269 425,345 794,817 9,184,990 760,000 3.25% 9.02% 10.39% 10.48% 122,044 411,930 778,237 1,062,583 5.44% 8.82% 9.67% 9.96% 123,415 410,735 764,410 1,044,987-1.41% 4.54% 6.50% 6.68% 119,107 385,552 706,436 940,929 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 Hybrid 25+75 Fund - Moderate Plan - Aggressive Index* S&P BSE Sensex TRI # Period Amt. Invested 760,000 4.93% 14.94% 18.47% 18.43% 123,100 448,695 949,040 1,368,230 3.96% 11.57% 12.64% 13.03% 122,493 427,493 822,726 1,152,538 5.20% 11.23% 11.25% 12.09% 123,269 425,430 795,039 1,118,653 Inception date 1-Nov-11 First Installment date 1-Dec-11 Managing since 1-Apr-17 Short Term Bond Fund Crisil Short Term Bond Fund Index* Crisil 1 Yr T-Bill Index # Period Amt. Invested 1,870,000 5.13% 6.76% 7.66% 8.05% 123,220 398,489 727,249 3,640,190 5.87% 7.35% 8.12% 7.78% 123,679 401,958 735,654 3,554,868 6.38% 6.56% 7.05% 6.38% 123,994 397,319 716,182 3,152,193 Inception date 8-Aug-02 First Installment date 1-Sep-02 Managing since 1-Apr-17 Retirement Savings Fund - Progressive Plan S&P BSE Sensex TRI* Period Amt. Invested 760,000 5.63% 17.46% 19.01% 18.43% 123,536 464,910 961,526 1,368,229 5.20% 11.23% 11.25% 12.09% 123,269 425,430 795,039 1,118,653 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 TRI* Nifty 50 TRI # India Consumer Fund Nifty India Consumption TRI* Nifty 50 TRI # Period Amt. Invested Period Amt. Invested -1.03% 119,348 3.62% 122,282 3.70% 122,328 19.18% 131,813 9.45% 125,901 3.70% 122,328 9.76% 416,468 13.43% 439,111 11.28% 425,728 13.44% 839,099 14.45% 860,295 11.63% 802,645 1, Inception date 22-Nov-04 14.44% 4,504,172 12.69% 3,949,869 11.83% 3,707,770 First Installment date 1-Dec-04 Managing since 7-Jun-13 270,000 Inception date 28-Dec-15 30.65% 373,108 16.52% 323,648 12.82% 311,256 First Installment date 1-Jan-16 Managing since 28-Dec-15 Period Amt. Invested 3,010,000 Inception date 25-Feb-93 Equity Opportunities Fund S&P BSE 500 TRI* S&P BSE Sensex TRI # -0.24% 119,846 4.00% 122,521 5.20% 123,269 9.63% 415,675 13.62% 440,313 11.23% 425,430 13.76% 845,889 14.58% 863,008 11.26% 795,213 17.15% 35,734,098 14.59% 24,055,926 12.68% 17,932,143 First Installment date 1-Mar-93 Managing since 7-Jun-13 India Pharma And Healthcare Fund Nifty Pharma TRI* Nifty 50 TRI # Period Amt. Invested 270,000-7.60% -7.19% 115,124 248,027-20.59% -16.95% 106,487 219,530 3.70% 12.82% 122,328 311,256 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 TRI* Period Amt. Invested 2,610,000 1.92% 14.51% 18.24% 20.06% 121,214 445,929 943,678 34,533,911 5.20% 11.23% 11.26% 13.49% 123,269 425,430 795,213 13,978,106 Inception date 31-Mar-96 First Installment date 1-Jul-96 Managing since 1-Apr-15 Period Amt. Invested 2,850,000 Inception date 01-Jul-94 Mid Cap Growth Fund Nifty Midcap 100 TRI* Nifty 50 TRI # -0.29% 119,813 0.26% 120,166 3.70% 122,328 12.27% 431,856 15.92% 454,963 11.28% 425,728 20.03% 985,692 19.97% 984,091 11.63% 802,645 17.27% 19,912,033 17.51% 20,498,580 13.61% 12,858,626 First Installment date 01-Jul-94 Managing since 27-Jun-17 Infrastructure Fund Nifty 500 TRI* Nifty 50 TRI # Resources & Energy Fund Nifty Commodities TRI* Nifty 50 TRI # Period Amt. Invested Period Amt. Invested -1.76% 118,882 3.62% 122,282 3.70% 122,328-4.77% 116,955-0.78% 119,506 3.70% 122,328 11.87% 429,365 13.43% 439,111 11.28% 425,728 15.58% 884,411 14.45% 860,295 11.63% 802,645 1,580,000 Inception date 31-Dec-04 10.44% 3,268,568 12.60% 3,828,866 11.72% 3,590,374 First Installment date 1-Feb-05 Managing since 1-Jan-14 270,000 Inception date 28-Dec-15 11.31% 306,259 17.93% 328,466 12.82% 311,256 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 TRI* Nifty 50 TRI # Period Amt. Invested 270,000-2.75% 18.51% 118,248 330,440 5.47% 20.12% 123,433 335,962 3.70% 12.82% 122,328 311,256 Inception date 28-Dec-15 First Installment date 1-Jan-16 Managing since 1-Apr-16 Index Fund - Nifty Plan Nifty 50 TRI* Period Amt. Invested 1,800,000 2.80% 10.13% 10.35% 12.06% 121,764 418,720 777,529 4,781,414 3.70% 11.28% 11.63% 13.48% 122,328 425,728 802,645 5,397,346 Inception date 25-Feb-03 First Installment date 1-Apr-03 Managing since 1-Apr-16 Digital India Fund S&P BSE IT TRI* S&P BSE Sensex TRI # Index Fund - Sensex Plan S&P BSE Sensex TRI* Period Amt. Invested Period Amt. Invested 39.33% 143,612 30.42% 138,461 5.20% 123,269 4.34% 122,734 5.20% 123,269 10.13% 418,695 11.23% 425,430 9.94% 769,707 11.26% 795,213 270,000 Inception date 28-Dec-15 18.58% 330,652 13.96% 315,061 13.10% 312,181 First Installment date 1-Jan-16 Managing since 1-Apr-16 1,800,000 Inception date 25-Feb-03 11.54% 4,573,718 13.41% 5,365,123 First Installment date 1-Apr-03 Managing since 1-Apr-16 Equity P/E Fund S&P BSE Sensex TRI* India Consumer Fund Nifty India Consumption TRI* Nifty 50 TRI # Period Amt. Invested Period Amt. Invested 4.40% 122,765 5.20% 123,269 19.18% 131,813 9.45% 125,901 3.70% 122,328 19.08% 475,561 11.23% 425,430 22.18% 1,038,122 11.26% 795,213 1,650,000 Inception date 29-Jun-04 17.92% 6,331,354 12.19% 4,045,136 First Installment date 1-Jul-04 Managing since 1-Apr-16 270,000 Inception date 28-Dec-15 30.65% 373,108 16.52% 323,648 12.82% 311,256 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 270,000 Inception date 28-Dec-15 India Pharma And Healthcare Fund Nifty Pharma TRI* Nifty 50 TRI # -7.60% 115,124-20.59% 106,487 3.70% 122,328-7.19% 248,027-16.95% 219,530 12.82% 311,256 First Installment date 1-Jan-16 Managing since 1-Apr-16 Retirement Savings Fund - Progressive Plan S&P BSE Sensex TRI* Period Amt. Invested 760,000 5.63% 17.46% 19.01% 18.43% 123,536 464,910 961,526 1,368,229 5.20% 11.23% 11.25% 12.09% 123,269 425,430 795,039 1,118,653 Inception date 1-Nov-11 First Installment date 1-Dec-11 Managing since 1-Apr-16 Period Amt. Invested 2,150,000 Inception date 27-Apr-00 Nifty 50 Index TRI (35%), Nifty 50 Saving Equity Fund Arbitrage Index (30%), Crisil Short Term Bond Fund Index (35%)* S&P BSE Sensex TRI # 1.87% 121,183 10.16% 126,339 5.20% 123,269 5.34% 390,177 9.92% 417,370 11.22% 425,345 6.04% 698,471 9.76% 766,278 11.24% 794,817 6.61% 4,034,360 3.91% 3,095,548 14.50% 9,184,990 First Installment date 1-May-00 Managing since 1-Apr-16 Retirement Savings Fund - Conservative Plan CRISIL Short Term Debt Hybrid 75+25 Fund Index* Crisil 10 Yr Gilt Index # Period Amt. Invested 760,000 3.25% 9.02% 10.39% 10.48% 122,044 411,930 778,237 1,062,583 5.44% 8.82% 9.67% 9.96% 123,415 410,735 764,410 1,044,987-1.41% 4.54% 6.50% 6.68% 119,107 385,552 706,436 940,929 Inception date 1-Nov-11 First Installment date 1-Dec-11 Managing since 1-Apr-16 Resources & Energy Fund Nifty Commodities TRI* Nifty 50 TRI # Young Citizens Fund CRISIL Hybrid 35+65 - Aggressive Index* Crisil 10 Yr Gilt Index # Period Amt. Invested Period Amt. Invested -4.77% 116,955-0.78% 119,506 3.70% 122,328 2.69% 121,695 3.99% 122,510-1.42% 119,097 9.07% 412,286 11.03% 424,166 4.55% 385,622 11.03% 790,840 12.14% 812,695 6.49% 706,405 270,000 Inception date 28-Dec-15 11.31% 306,259 17.93% 328,466 12.82% 311,256 First Installment date 1-Jan-16 Managing since 1-Apr-16 2,660,000 Inception date 14-Oct-95 12.76% 13,367,366 12.08% 12,172,287 6.17% 5,565,324 First Installment date 1-Feb-96 Managing since 1-Apr-16 Retirement Savings CRISIL Hybrid 25+75 Fund - Moderate Plan - Aggressive Index* S&P BSE Sensex TRI # Period Amt. Invested 760,000 4.93% 14.94% 18.47% 18.43% 123,100 448,695 949,040 1,368,230 3.96% 11.57% 12.64% 13.03% 122,493 427,493 822,726 1,152,538 5.20% 11.23% 11.25% 12.09% 123,269 425,430 795,039 1,118,653 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 - Series 3 - Scheme A 5.42% 6.54% 6.60% Inception date 26-Mar-15 10,537 12,090 12,120 CRISIL Hybrid 85+15 - Conservative Index* 6.26% 8.42% 8.61% 10,621 12,739 12,819 Crisil 10 Yr Gilt Index # -0.42% 6.36% 6.50% 9,958 12,029 12,084 Managing since 01-Apr-17 7.15% 8.05% 8.31% Inception date 12-Mar-14 FMP - Series 46 - Scheme Q 10,709 12,608 13,813 Crisil Composite Bond Fund Index* 5.10% 8.12% 9.77% 10,506 12,632 14,581 Crisil 10 Yr Gilt Index # -0.42% 6.36% 8.22% 9,958 12,029 13,765 Managing since 01-Apr-17 FMP - Series 44 - Scheme D 7.19% 8.12% 8.40% Inception date 07-Oct-13 10,713 12,633 14,345 Crisil Composite Bond Fund Index* 5.10% 8.12% 9.62% 10,506 12,632 15,082 Crisil 10 Yr Gilt Index # -0.42% 6.36% 7.71% 9,958 12,029 13,944 Managing since 01-Apr-17 7.21% 8.10% 8.34% Inception date 20-Mar-14 FMP - Series 46 - Scheme R 10,715 12,627 13,805 Crisil Composite Bond Fund Index* 5.10% 8.12% 9.78% 10,506 12,632 14,556 Crisil 10 Yr Gilt Index # -0.42% 6.36% 8.39% 9,958 12,029 13,828 Managing since 01-Apr-17 FMP - Series 46 - Scheme D 7.06% 7.95% 8.24% Inception date 26-Dec-13 10,700 12,574 14,003 Crisil Composite Bond Fund Index* 5.10% 8.12% 9.81% 10,506 12,632 14,892 Crisil 10 Yr Gilt Index # -0.42% 6.36% 8.54% 9,958 12,029 14,173 Managing since 01-Apr-17 7.21% 8.11% 8.41% Inception date 24-Feb-14 FMP - Series 46 - Scheme T 10,714 12,629 13,915 Crisil Composite Bond Fund Index* 5.10% 8.12% 9.90% 10,506 12,632 14,714 Crisil 10 Yr Gilt Index # -0.42% 6.36% 8.52% 9,958 12,029 13,972 Managing since 01-Apr-17 FMP - Series 46 - Scheme K 6.99% 7.87% 8.25% Inception date 05-Feb-14 10,693 12,548 13,889 Crisil Composite Bond Fund Index* 5.10% 8.12% 9.72% 10,506 12,632 14,684 Crisil 10 Yr Gilt Index # -0.42% 6.36% 8.23% 9,958 12,029 13,878 Managing since 01-Apr-17 7.21% 8.10% 8.33% Inception date 26-Mar-14 FMP - Series 47 - Scheme C 10,714 12,627 13,780 Crisil Composite Bond Fund Index* 5.10% 8.12% 9.71% 10,506 12,632 14,497 Crisil 10 Yr Gilt Index # -0.42% 6.36% 8.32% 9,958 12,029 13,777 Managing since 01-Apr-17 FMP - Series 46 - Scheme M 7.25% 8.13% 8.43% Inception date 20-Feb-14 10,719 12,636 13,938 Crisil Composite Bond Fund Index* 5.10% 8.12% 9.85% 10,506 12,632 14,702 Crisil 10 Yr Gilt Index # -0.42% 6.36% 8.36% 9,958 12,029 13,900 Managing since 01-Apr-17 7.20% 8.08% 8.33% Inception date 28-Mar-14 FMP - Series 47 - Scheme D 10,714 12,621 13,774 Crisil Composite Bond Fund Index* 5.10% 8.12% 9.70% 10,506 12,632 14,485 Crisil 10 Yr Gilt Index # -0.42% 6.36% 8.36% 9,958 12,029 13,788 Managing since 01-Apr-17 7.11% 8.03% 8.34% Inception date 07-Mar-14 FMP - Series 46 - Scheme N 10,705 12,603 13,845 Crisil Composite Bond Fund Index* 5.10% 8.12% 9.85% 10,506 12,632 14,647 Crisil 10 Yr Gilt Index # -0.42% 6.36% 8.38% 9,958 12,029 13,864 Managing since 01-Apr-17 7.16% 8.07% 8.33% Inception date 10-Apr-14 FMP - Series 47 - Scheme E 10,710 12,615 13,737 Crisil Composite Bond Fund Index* 5.10% 8.12% 9.93% 10,506 12,632 14,558 Crisil 10 Yr Gilt Index # -0.42% 6.36% 8.69% 9,958 12,029 13,918 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 47 - Scheme F Crisil Composite Bond Fund Index* Crisil 10 Yr Gilt Index # FMP - Series 47 - Scheme J Crisil Composite Bond Fund Index* Crisil 10 Yr Gilt Index # 6.87% 7.93% 8.23% Inception date 17-Apr-14 10,681 12,567 13,665 5.10% 8.12% 9.78% 10,506 12,632 14,453-0.42% 6.36% 8.43% 9,958 12,029 13,764 Managing since 01-Apr-17 7.20% 8.12% 8.35% Inception date 04-Apr-14 10,714 12,633 13,763 5.10% 8.12% 9.95% 10,506 12,632 14,590-0.42% 6.36% 8.80% 9,958 12,029 13,993 Managing since 01-Apr-17 FMP - Series 47 - Scheme H Crisil Composite Bond Fund Index* Crisil 10 Yr Gilt Index # 6.77% 8.03% 8.31% Inception date 30-Apr-14 10,672 12,604 13,666 5.10% 8.12% 9.64% 10,506 12,632 14,332-0.42% 6.36% 8.39% 9,958 12,029 13,704 Managing since 01-Apr-17 Lumpsum Performance of schemes managed by Sonam Udasi Dual Advantage Fund - Series 3 - Scheme A CRISIL Hybrid 85+15 - Conservative Index* Crisil 10 Yr Gilt Index # Period 5.42% 6.54% 6.60% Inception date 26-Mar-15 10,537 12,090 12,120 6.26% 8.42% 8.61% 10,621 12,739 12,819-0.42% 6.36% 6.50% 9,958 12,029 12,084 Managing since 01-Apr-16 Lumpsum Performance of schemes managed by Rupesh Patel Infrastructure Tax Saving Fund Nifty 500 TRI* Nifty 50 TRI # 8.38% 6.95% 14.49% 10.97% Inception date 30-Mar-09 10,831 12,230 19,678 25,520 12.98% 9.83% 16.31% 17.81% 11,287 13,240 21,292 43,704 11.86% 7.38% 13.63% 15.92% 11,176 12,378 18,954 37,804 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. 47
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 existence 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 Scheme Name Index Name Equity Opportunities Fund - Reg - Growth S&P BSE Sensex TRI As TRI data is not available since of the scheme, benchmark performance is calculated using composite CAGR of S&P BSE Sensex PRI values from date 25-Feb-1993 to date 31-May-2007 and TRI values since date 31-May-2007 Balanced Fund - Reg - Growth S&P BSE Sensex TRI As TRI data is not available since of the scheme, benchmark performance is calculated using composite CAGR of S&P BSE Sensex PRI values from date 06-Oct-1995 to date 31-May-2007 and TRI values since date 31-May-2007 Large Cap Fund - Reg - Growth S&P BSE Sensex TRI As TRI data is not available since of the scheme, benchmark performance is calculated using composite CAGR of S&P BSE Sensex PRI values from date 06-May-1998 to date 31-May-2007 and TRI values since date 31-May-2007 Saving Equity Fund - Reg - Mthly Dividend S&P BSE Sensex TRI As TRI data is not available since of the scheme, benchmark performance is calculated using composite CAGR of S&P BSE Sensex PRI values from date 27-Apr-2000 to date 31-May-2007 and TRI values since date 31-May-2007 Ethical Fund - Reg - Growth Nifty 50 TRI As TRI data is not available since of the scheme, benchmark performance is calculated using composite CAGR of Nifty 50 PRI values from date 24-May-1996 to date 30-Jun-1999 and TRI values since date 30-Jun-1999 India Tax Savings Fund - Reg - Dividend S&P BSE Sensex TRI As TRI data is not available since of the scheme, benchmark performance is calculated using composite CAGR of S&P BSE Sensex PRI values from date 29-Mar-1996 to date 31-May-2007 and TRI values since date 31-May-2007 Index Fund - Sensex Plan - Reg S&P BSE Sensex TRI As TRI data is not available since of the scheme, benchmark performance is calculated using composite CAGR of S&P BSE Sensex PRI values from date 25-Feb-2003 to date 31-May-2007 and TRI values since date 31-May-2007 Mid Cap Growth Fund - Reg - Dividend Nifty 50 TRI As TRI data is not available since of the scheme, benchmark performance is calculated using composite CAGR of Nifty 50 PRI values from date 01-Jul-1994 to date 30-Jun-1999 and TRI values since date 30-Jun-1999 Equity P/E Fund - Reg - Growth S&P BSE Sensex TRI As TRI data is not available since of the scheme, benchmark performance is calculated using composite CAGR of S&P BSE Sensex PRI values from date 29-Jun-2004 to date 31-May-2007 and TRI values since date 31-May-2007 Offshore India Opportunities Scheme S&P BSE Sensex TRI As TRI data is not available since of the scheme, benchmark performance is calculated using composite CAGR of S&P BSE Sensex PRI values from date 26-Jul-2005 to date 31-May-2007 and TRI values since date 31-May-2007 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 21-07-2017 17-10-2017 18-01-2018 0.35 0.40 0.50 0.50 0.60 0.60 2.42 1.10 1.20 1.20 1.25 1.35 31.1352 38.2980 40.4649 46.1162 47.3644 48.8502 53.5858 53.2023 57.4249 59.3215 62.4451 63.2670 0.35 0.40 0.50 0.50 0.60 0.60 2.50 1.05 1.06 1.20 1.20 1.25 1.35 31.4055 38.2980 40.9834 46.7900 48.1532 50.0432 52.7728 52.1309 54.3130 57.9403 60.0022 63.3163 64.3214 (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 07-11-2017 0.80 0.95 0.95 4.75 3.05 1.10 1.20 37.3611 39.0904 41.1091 46.6071 51.1904 51.8642 54.5858* 58.7785 0.80 0.95 0.95 4.60 3.05 1.10 1.20 37.7099 39.4969 41.6410 45.9176 52.3714 53.5812 56.6123* 61.3106 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 16-02-2018 2.00 4.00 3.35 3.70 4.00 36.7714 49.5911 42.6650 46.0863 49.3188 2.00 4.00 2.15 4.00 4.00 37.0296 50.2921 44.1396 49.9536 54.3209 *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 21-03-2018 2.00 2.75 2.85 9.00 9.00 10.00 48.7181 68.6750 70.7073 61.8351 72.3858 73.9612 2.00 2.00 9.00 7.50 48.9612 69.0096 92.8200 99.0550 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 29-12-2017 3.00 5.50 4.75 6.35 52.6136 68.5591 66.8382 80.2547 3.00 104.1549 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 09-02-2018 3.25 8.60 5.75 6.30 6.75 58.7461 87.0819 67.0250 79.1022 80.7616 3.25 8.60 5.75 6.30 6.75 59.2767 88.3172 68.4819 81.3161 84.3211 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 07-07-2017 04-08-2017 08-09-2017 06-10-2017 03-11-2017 30-11-2017 10-01-2018 05-02-2018 05-03-2018 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 0.4600 0.4700 0.4600 0.4500 0.4600 0.4600 0.7000 0.7200 0.6700 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 68.7959 69.8856 68.7454 68.2107 69.9242 68.5023 70.5427 68.4496 66.0995 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 0.4600 0.4700 0.4600 0.4500 0.4600 0.4600 0.7000 0.7200 0.6700 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 71.1174 72.3444 71.2871 70.8291 72.7107 71.3286 73.5976 71.5271 69.1923 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 23-02-2018 0.60 2.30 1.75 2.25 2.50 22.2871 29.9675 22.9937 27.2949 30.6214 1.75 2.50 2.50 25.2637 30.3821 34.2323 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 12-02-2016 20-01-2017 15-12-2017 13-03-2018 1.20 2.75 2.35 2.50 1.40 1.40 24.0588 34.9030 27.7400 31.4974 35.3947 33.3738 1.20 2.75 1.40 1.40 24.2062 35.4231 44.3907 42.3425 Mid Cap Growth Fund (Earlier Growth Fund) Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 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 21-12-2017 Reg. Reg. V V 2.75 2.50 3.80 19.358 34.7881 36.3854 49.1872 Savings Equity Fund (Data provided since 2008) (Earlier known as Monthly Income Fund) Monthly Dividend Option 0.25 3.80 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 19.4794 40.4505 59.1371 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 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 07-07-2017 04-08-2017 08-09-2017 06-10-2017 03-11-2017 30-11-2017 10-01-2018 05-02-2018 05-03-2018 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 0.0850 0.0850 0.0850 0.0850 0.0850 0.0850 0.0850 0.0900 0.0900 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 14.6006 14.5814 14.5536 14.4847 14.4358 14.3780 14.4092 14.2273 14.1182 Reg. Reg. V V 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 0.0850 0.0850 0.0850 0.0850 0.0900 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 15.1960 15.1935 15.1839 15.1268 15.1689 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 Banking & Financial Services Fund Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 Reg. Reg. V V 19-01-2018 1.40 17.5941 India Consumer Fund Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 Reg. Reg. V V 19-01-2018 1.45 18.0181 Resources & Energy Fund Date of Declaration of dividend Dividend p.u. (`) on Face Value of ` 10 Reg. Reg. V V 19-01-2018 1.30 16.0031 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 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