Professional Documents
Culture Documents
The Indian Government, after faltering for a couple of years on economic and policy decision-making, has come out and made
aggressive policy changes. These include fuel price subsidy adjustments, allowing Foreign Direct Investment (FDI) in retail
and aviations, announcing a State Electricity Boards (SEB) restructuring plan, reducing withholding tax on Foreign Institutional
Investors (FII) debt investments and committing to more aggressive PSU divestment. The markets welcomed the political
resolve shown by the government even though it faced political opposition from its own allies in the ruling coalition. Continuing
with its reform agenda the cabinet also cleared an increase in FDI limits in Insurance from 26% to 49% and allowed a 26%
FDI investment in the Pension sector, both of which would require parliament approval. The proposed National Investment
Board is another key reform step and would offer a single window of clearance for large infrastructure projects. If all this is
accompanied with a lower interest rate regime, it would help push new investments, both in industry and infrastructure, as
project level returns would increase. We expect investment cycle to recover in the second half of FY13, largely on
improvement in public capex and the stabilising of private corporate capex.
On the macro front, there are signs of improvement. The first quarter current account deficit (CAD) narrowed to 3.9% of GDP
from 4.5% in Q4FY12 because of an improved trade balance and steady remittances. The government has maintained its
borrowing target at Rs.2 trillion, hoping that the divestment program as well as the telecom spectrum sale goes through. An
expected urea price hike could further reduce the subsidy burden and improve the fiscal. Inflation figures of August 2012,
however, came as a surprise. At 7.6%, inflation was 70 bps higher than the previous reading of 6.9%. Core inflation, which
th
had been reasonably subdued till now, rose to 5.6%. In spite of this, RBI in its policy meeting on 17 September 2012 decided
to cut the Cash Reserve Ratio(CRR) by 25 bps though it left the benchmark repo rate unchanged. This move will infuse
INR.17000 crores of liquidity in the system.
Outlook for equities:
Indian equities rallied 8% in September and outperformed the developed equity markets (US, Japan, Germany and France),
which were down by almost 1% - 3%. FIIs continued their equity buying with US$3.8bn net purchases in September, taking
the YTD net purchases to US$16.1bn. Domestic institutional investors (DIIs) continued to be net sellers to the extent of
US$7.2bn. Strong inflows become a case for a stronger currency leading to further FII flows due to positive sentiments, which
builds up into positive circularity.
The BSE Sensex, which has rallied smartly in the past couple of months, currently trades at a P/E of 14.5x one year forward
earnings. For long term investors valuations are still attractive. Credible policy implementation from the government could
result in the rally sustaining and gaining momentum. In the short to medium term, the market would also take cues from the
upcoming results season and the RBI policy scheduled in this month.
Market Outlook
Learning Curve:
Understanding ULIPs
Unit-Linked Insurance Plans (ULIPs) have been one of the most significant innovations in the life insurance
industry. ULIPs are the most transparent, long-term & flexible retail life insurance products available today. It
provides both, insurance protection and wealth creation opportunities. ULIP premium payments are appropriated
partly towards providing you life cover and partly invested in the fund option of your choice debt or equity.
In ULIPs, the protection element and the savings element are distinguishable. It allows policyholders manage their
life insurance policies depending on their changing needs and gives them the flexibility of altering premium
amounts or adding top-ups. It also permits them to avail of liquidity, in case of an emergency, by allowing needbased partial withdrawals.
Of the premiums paid, the allocation charges, mortality charges and policy administration charges are deducted.
The balance amount is invested in a fund of the policyholders choice. Units are allocated towards the invested
amount. Each allocated unit has a price attached to it called the NAV (Net Asset Value) which is calculated and
disclosed by the insurance company on a daily basis. Fund management charges are adjusted from the funds NAV
on a daily basis. The policyholder can track the fund investments and performance.
There is a wide range of funds available under ULIPs which gives policyholders an opportunity to adequately
diversify their investments. These funds have different asset allocations ranging from 100% debt to 100% equity to
meet the objective and risk appetite of the policyholders. Equity funds have the potential to deliver high returns as
they have higher risks as compared to fixed income funds. ULIPs allow for switching between funds and redirect
future premiums as the investment objectives may change over time. Insurance companies also offer funds which
guarantee the highest NAV for a fixed period of time based on CPPI (Constant proportion portfolio insurance)
ULIPs help create wealth over a longer period of time. During the initial years of the policy, the cost structure is
high and hence there are more units deducted. However, overall charges reduce substantially over time thus
allowing more amount to be allocated in the chosen funds. This way the investment grows over a period of time
leading to a growth in fund value.
Insurance companies have products to offer value to their policyholders with multiple options as mentioned
below:
Self Managed option where the policyholder can decide to choose the fund based on his risk taking
capacity
Lifecycle option where the portfolio allocation automatically changes the exposure to debt and equity
depending upon their life stage and risk profile
Systematic Transfer option that helps safeguarding policyholders investments from equity market
volatility through rupee cost averaging where the premium is initially allocated to the liquid fund and
gradually moved to an equity fund in equal monthly installments.
At Birla Sun Life Insurance we offer all these options to our policyholders to choose from and are committed to
maximizing policyholders long-term wealth by consistently generating superior risk-adjusted returns by following
a disciplined long-term investment approach.
BSLI
BENCHMARK
BSLI
BENCHMARK
BSLI
BENCHMARK
DEBT FUNDS
ASSURE
INCOME ADVANTAGE
9.99%
11.26%
7.97%
8.29%
8.14%
8.54%
5.64%
5.55%
10.76%
-
BALANCED FUNDS
PROTECTOR
BUILDER
BALANCER
ENHANCER
CREATOR
10.31%
11.35%
12.17%
11.45%
13.15%
8.83%
9.35%
9.32%
9.56%
10.46%
6.71%
6.87%
6.64%
5.99%
5.79%
5.37%
5.16%
4.78%
4.66%
4.11%
8.59%
9.18%
10.02%
7.62%
10.83%
5.38%
5.31%
4.57%
4.72%
15.02%
14.26%
14.75%
18.14%
11.65%
12.03%
8.84%
11.95%
4.12%
1.18%
5.64%
6.04%
2.58%
2.18%
3.64%
2.53%
3.85%
4.10%
-
2.15%
-
FUND NAME
Last 1 Year
Arpita Nanoti
Head Investment Communication & Advisory
Assure
Inception Date
Income Advantage
12-Sep-05
Protector
22-Aug-08
Builder
22-Mar-01
22-Mar-01
Fund Return
BM
Fund Return
BM
Fund Return
BM
Fund Return
BM
Last 1 year
9.99%
7.97%
11.26%
8.29%
10.31%
8.83%
11.35%
9.35%
Last 2 years
8.75%
6.77%
8.60%
6.31%
6.42%
5.39%
5.56%
4.45%
Last 3 years
8.23%
5.76%
8.70%
5.64%
6.87%
5.45%
7.03%
5.23%
Last 4 years
10.61%
6.61%
12.15%
10.00%
6.94%
11.35%
7.41%
Last 5 years
10.74%
8.60%
5.31%
9.18%
5.15%
Since Inception
9.39%
12.11%
8.39%
130
10.36%
326
413
276
INDIVIDUAL
Balancer
Enhancer
Creator
Magnifier
Inception Date
18-Jul-05
22-Mar-01
23-Feb-04
12-Aug-04
Fund Return
BM
Fund Return
BM
Fund Return
BM
Fund Return
BM
Last 1 year
12.17%
9.32%
11.45%
9.56%
13.15%
10.46%
15.02%
11.65%
Last 2 years
5.64%
3.72%
4.03%
3.24%
1.99%
1.27%
-3.12%
-2.85%
Last 3 years
6.99%
4.84%
6.23%
4.72%
6.02%
4.16%
4.37%
2.61%
Last 4 years
12.38%
7.39%
10.67%
7.16%
14.71%
8.16%
10.82%
8.42%
Last 5 years
10.06%
7.44%
4.20%
10.73%
4.26%
3.55%
Since Inception
10.11%
12.01%
12.93%
13.61%
34
6655
319
Super 20
INDIVIDUAL
Maximiser
Multipler
Inception Date
12-Jun-07
30-Oct-07
1114
6-Jul-09
Fund Return
BM
Fund Return
BM
Fund Return
BM
Last 1 year
14.26%
12.03%
14.75%
8.84%
18.14%
11.95%
Last 2 years
-5.57%
-3.98%
-4.60%
-7.29%
-0.23%
-3.51%
Last 3 years
2.07%
2.20%
5.82%
4.02%
5.89%
2.07%
Last 4 years
11.44%
8.47%
17.25%
10.46%
Last 5 years
4.00%
1.24%
Since Inception
7.14%
4.86%
4.14%
0.40%
11.04%
7.62%
2505
437
213
Assure
Income Advantage
Protector
Builder
Balancer
Enhancer
Creator
Magnifier
Maximiser
Multiplier
Super 20
Benchmark Composition
BSE 100
BSE 100
BSE 100
BSE 100
BSE 100
BSE 100
BSE 100
CNX Midcap
Sensex
SFIN
ULIF01008/07/05BSLIASSURE109
ULIF01507/08/08BSLIINCADV109
ULIF00313/03/01BSLPROTECT109
ULIF00113/03/01BSLBUILDER109
ULIF00931/05/05BSLBALANCE109
ULIF00213/03/01BSLENHANCE109
ULIF00704/02/04BSLCREATOR109
ULIF00826/06/04BSLIIMAGNI109
ULIF01101/06/07BSLIINMAXI109
ULIF01217/10/07BSLINMULTI109
ULIF01723/06/09BSLSUPER20109
Disclaimer:
This document is issued by BSLI. While all reasonable care has been taken in preparing this document, no responsibility or liability is accepted for errors of fact or for any opinion expressed herein. This
document is for information purposes only. It does not constitute any offer, recommendation or solicitation to any person to enter into any transaction or adopt any investment strategy, nor does it constitute
any prediction of likely future movements in NAVs. Past performance is not necessarily indicative of future performance. We have reviewed the report, and in so far as it includes current or historical
information, it is believed to be reliable though its accuracy or completeness cannot be guaranteed. Neither Birla Sun Life Insurance Company Limited, nor any person connected with it, accepts any liability
arising from the use of this document. You are advised to make your own independent judgment with respect to any matter contained herein.
INDIVIDUAL
Platinum Plus I
Platinum Plus II
17-Mar-08
8-Sep-08
15-May-09
Inception Date
Platinum Plus IV
15-Sep-09
Fund Return
BM
Fund Return
BM
Fund Return
BM
Fund Return
Last 1 year
11.14%
10.37%
10.92%
10.41%
Last 2 years
-3.30%
-3.03%
-2.28%
-2.56%
Last 3 years
3.72%
4.19%
3.96%
4.39%
Last 4 years
8.38%
14.15%
Since Inception
3.74%
13.62%
7.83%
4.72%
413
Platinum Premier
Inception Date
706
841
Platinum Advantage
Foresight 5 Pay
15-Feb-10
20-Sep-10
BM
639
Foresight Single Pay
22-Feb-11
22-Feb-11
Fund Return
BM
Fund Return
BM
Fund Return
BM
Fund Return
Last 1 year
10.58%
15.05%
13.19%
15.08%
Last 2 years
-2.53%
-1.15%
Since Inception
4.97%
-1.08%
2.13%
3.30%
822
INDIVIDUAL
Titanium I
Inception Date
16-Dec-09
506
599
Titanium II
Titanium III
16-Mar-10
63
16-Jun-10
Fund Return
BM
Fund Return
BM
Fund Return
BM
Last 1 year
11.44%
11.46%
10.81%
Last 2 years
-0.30%
-0.13%
0.45%
Since Inception
4.94%
4.58%
1.42%
58
PENSION
Inception Date
Last 1 year
Last 2 years
Last 3 years
Last 4 years
Last 5 years
Since Inception
Asset Held (Rs. In Crores)
25
Nourish
Growth
Enrich
12-Mar-03
18-Mar-03
12-Mar-03
Fund Return
BM
Fund Return
BM
Fund Return
BM
10.11%
6.21%
6.67%
10.46%
9.06%
8.14%
8.83%
5.39%
5.45%
6.94%
5.31%
-
10.91%
5.39%
6.78%
12.64%
10.41%
10.37%
9.35%
4.45%
5.23%
7.41%
5.15%
-
11.96%
3.74%
6.44%
12.98%
9.54%
12.13%
9.80%
2.75%
4.59%
7.77%
4.67%
-
14
BM
37
171
Benchmark Composition
BSE 100
BSE 100
BSE 100
SFIN
ULIF01325/02/08BSLIIPLAT1109
ULIF01425/02/08BSLIIPLAT2109
ULIF01628/04/09BSLIIPLAT3109
ULIF01816/09/09BSLIIPLAT4109
ULIF02203/02/10BSLPLATPR1109
ULIF02408/09/10BSLPLATADV109
ULIF01911/12/09BSLITITAN1109
ULIF02011/12/09BSLITITAN2109
ULIF02111/12/09BSLITITAN3109
ULIF00604/03/03BSLNOURISH109
ULIF00504/03/03BSLIGROWTH109
ULIF00404/03/03BSLIENRICH109
Disclaimer:
This document is issued by BSLI. While all reasonable care has been taken in preparing this document, no responsibility or liability is accepted for errors of fact or for any opinion expressed herein. This document is for information
purposes only. It does not constitute any offer, recommendation or solicitation to any person to enter into any transaction or adopt any investment strategy, nor does it constitute any prediction of likely future movements in NAVs. Past
performance is not necessarily indicative of future performance. We have reviewed the report, and in so far as it includes current or historical information, it is believed to be reliable though its accuracy or completeness cannot be
guaranteed. Neither Birla Sun Life Insurance Company Limited, nor any person connected with it, accepts any liability arising from the use of this document. You are advised to make your own independent judgment with respect to
any matter contained herein.
Assure Fund
Portfolio as on 30th September 2012
SECURITIES
HOLDING
GOVERNMENT SECURITIES
0.00%
CORPORATE DEBT
58.22%
6.09%
4.67%
3.92%
3.91%
3.89%
3.87%
3.17%
3.15%
3.13%
3.10%
19.33%
SECURITISED DEBT
0.00%
MMI
41.78%
ULIF01008/07/05BSLIASSURE109
Asset Allocation
MMI
41.78%
CORPORATE
DEBT
58.22%
Rating Profile
AA
10.23%
AA+
10.39%
P1+/A1+
15.62%
AAA
63.76%
Maturity Profile
72.78%
25.97%
1.25%
Less than 2 years
2 to 7years
ULIF01507/08/08BSLIINCADV109
CORPORATE DEBT
HOLDING
32.49%
4.43%
4.41%
4.40%
3.60%
3.25%
2.56%
2.45%
1.92%
1.52%
1.19%
2.77%
Asset Allocation
33.64%
MMI
GOVERNMEN
T
SECURITIES
32.49%
MMI
33.87%
CORPORATE
DEBT
33.64%
Rating Profile
AA
2.30%
33.87%
AA+
4.04%
P1+/A1+
4.28%
AA4.62%
Sovereign
47.03%
AAA
37.73%
Maturity Profile
40.20%
34.47%
25.34%
2 to 7years
Protector Fund
Portfolio as on 30th September 2012
SECURITIES
HOLDING
GOVERNMENT SECURITIES
29.24%
3.58%
2.79%
2.40%
2.24%
2.09%
2.01%
1.76%
1.62%
1.58%
1.48%
7.68%
CORPORATE DEBT
47.49%
ULIF00313/03/01BSLPROTECT109
Asset Allocation
Equities
9.89%
3.13%
2.89%
2.42%
1.93%
1.93%
1.82%
1.77%
1.49%
1.47%
1.46%
27.18%
G-Secs
29.24%
Rating Profile
AA
P1+/A1+
2.76%
5.07%
AA1.21%
EQUITY
9.89%
I T C LTD.
RELIANCE INDUSTRIES LTD.
I C I C I BANK LTD.
INFOSYS LTD.
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
LARSEN AND TOUBRO LTD.
H D F C BANK LTD.
STATE BANK OF INDIA
OIL AND NATURAL GAS CORPN. LTD.
TATA CONSULTANCY SERVICES LTD.
OTHER EQUITY
MMI
0.59%
0.59%
0.57%
0.57%
0.42%
0.38%
0.37%
0.31%
0.28%
0.25%
5.56%
13.37%
AAA
49.43%
Sectoral Allocation
21.79%
BANKING
11.63%
11.34%
10.58%
FMCG
7.56%
FINANCIAL SERVICES
METAL
6.84%
PHARMA
6.79%
5.81%
CAPITAL GOODS
4.80%
POWER
AUTO ANCILLIARY
28.25%
2 to 7years
3.57%
AUTOMOBILE
45.07%
26.68%
AA+
5.35%
Sovereign
36.17%
SOFTWARE / IT
Maturity Profile
MMI
13.37%
NCD
47.49%
2.45%
DIVERSIFIED
2.08%
TELECOM
1.91%
OTHERS
1.68%
CEMENT
1.18%
Builder Fund
Portfolio as on 30th September 2012
SECURITIES
HOLDING
GOVERNMENT SECURITIES
25.03%
5.75%
4.39%
2.89%
1.71%
1.69%
1.68%
1.46%
1.15%
1.07%
0.89%
2.35%
CORPORATE DEBT
ULIF00113/03/01BSLBUILDER109
Asset Allocation
MMI
9.10%
NCD
46.13%
Equities
19.74%
46.13%
EQUITY
3.92%
3.42%
2.88%
2.78%
2.35%
G-Secs
25.03%
Rating Profile
2.21%
1.89%
1.85%
1.82%
1.44%
21.56%
19.74%
I T C LTD.
INFOSYS LTD.
I C I C I BANK LTD.
H D F C BANK LTD.
RELIANCE INDUSTRIES LTD.
LARSEN AND TOUBRO LTD.
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
STATE BANK OF INDIA
MCLEOD RUSSEL INDIA LTD.
GUJARAT MINERAL DEVELPMENMT CORPORTAION
OTHER EQUITY
1.31%
1.17%
1.08%
1.00%
0.93%
0.89%
0.84%
0.64%
0.52%
0.50%
10.87%
MMI
9.10%
AA+
2.58%
AA1.54%
AA
4.16%
AAA
56.55%
Sovereign
35.17%
Sectoral Allocation
18.95%
BANKING
13.24%
FMCG
12.34%
SOFTWARE / IT
9.36%
8.49%
METAL
6.99%
FINANCIAL SERVICES
6.46%
PHARMA
AUTOMOBILE
5.75%
CAPITAL GOODS
5.68%
3.95%
AUTO ANCILLIARY
Maturity Profile
38.38%
35.51%
3.13%
DIVERSIFIED
CEMENT
2.27%
TELECOM
2.14%
26.11%
FERTILISERS
2 to 7years
1.24%
Balancer Fund
Portfolio as on 30th September 2012
SECURITIES
HOLDING
GOVERNMENT SECURITIES
22.30%
ULIF00931/05/05BSLBALANCE109
5.03%
2.73%
2.55%
2.47%
2.17%
1.53%
1.39%
1.34%
1.18%
1.18%
0.73%
CORPORATE DEBT
Asset Allocation
MMI
15.94%
NCD
37.36%
G-Secs
22.30%
37.36%
EQUITY
Equities
24.40%
Rating Profile
P1+/A1+
12.59%
24.40%
I C I C I BANK LTD.
INFOSYS LTD.
RELIANCE INDUSTRIES LTD.
STATE BANK OF INDIA
LARSEN AND TOUBRO LTD.
I T C LTD.
H D F C BANK LTD.
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
HINDUSTAN UNILEVER LTD.
AXIS BANK LTD.
OTHER EQUITY
1.69%
1.45%
1.38%
1.13%
AAA
54.73%
1.02%
1.00%
0.96%
0.83%
0.66%
0.66%
13.62%
Sovereign
32.68%
Sectoral Allocation
BANKING
MMI
15.94%
23.40%
SOFTWARE / IT
11.42%
10.21%
9.52%
FINANCIAL SERVICES
7.49%
PHARMA
5.64%
AUTOMOBILE
5.48%
METAL
5.47%
CAPITAL GOODS
5.20%
POWER
Maturity Profile
4.72%
AUTO ANCILLIARY
3.42%
42.30%
DIVERSIFIED
2.67%
TELECOM
2.66%
31.23%
26.47%
2 to 7years
OTHERS
1.42%
CONSTRUCTION
1.27%
Enhancer Fund
Portfolio as on 30th September 2012
SECURITIES
HOLDING
GOVERNMENT SECURITIES
ULIF00213/03/01BSLENHANCE109
20.05%
CORPORATE DEBT
3.14%
2.18%
1.41%
1.17%
1.15%
1.12%
1.03%
0.99%
0.89%
0.77%
6.20%
Strategy: To earn capital appreciation by maintaining diversified equity portfolio and seek to earn
regular return on fixed income portfolio by active management resulting in wealth creation for
policyholders.
Asset Allocation
SECURITISED
DEBT
0.40%
CORPORATE
DEBT
38.98%
MMI
12.61%
GOVERNMENT
SECURITIES
20.05%
38.98%
0.88%
0.76%
0.71%
0.60%
0.60%
0.50%
0.49%
0.48%
0.45%
0.45%
33.06%
SECURITISED DEBT
0.40%
EQUITY
27.97%
Rating Profile
SOVEREIGN
31.19%
AAA
47.41%
AA
2.92%
India Structured Asset Trust-Series XII Class A11 PTC (MD 15/04/2015)
0.40%
EQUITY
27.97%
I T C LTD.
RELIANCE INDUSTRIES LTD.
I C I C I BANK LTD.
INFOSYS LTD.
H D F C BANK LTD.
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
STATE BANK OF INDIA
LARSEN AND TOUBRO LTD.
TATA CONSULTANCY SERVICES LTD.
OIL AND NATURAL GAS CORPN. LTD.
OTHER EQUITY
1.97%
1.85%
1.81%
1.61%
1.34%
1.27%
1.17%
1.15%
0.88%
0.82%
14.09%
AA+
6.36%
P1+/A1+
8.58%
Sectoral Allocation
20.58%
BANKING
12.57%
FMCG
11.65%
SOFTWARE / IT
11.24%
8.13%
FINANCIAL SERVICES
MMI
12.62%
7.02%
PHARMA
AUTOMOBILE
5.96%
METAL
5.73%
4.89%
CAPITAL GOODS
4.20%
POWER
TELECOM
2.21%
Maturity Profile
AUTO ANCILLIARY
1.78%
DIVERSIFIED
1.63%
34.74%
33.48%
31.79%
2 to 7years
AA3.54%
OTHERS
1.24%
CEMENT
1.17%
Creator Fund
Portfolio as on 30th September 2012
SECURITIES
HOLDING
GOVERNMENT SECURITIES
17.54%
5.48%
1.98%
1.56%
1.28%
1.03%
0.92%
0.85%
0.81%
0.62%
0.61%
2.41%
CORPORATE DEBT
25.07%
ULIF00704/02/04BSLCREATOR109
Asset Allocation
MMI
9.80%
EQUITY
47.59%
2.92%
2.82%
2.64%
2.53%
2.11%
1.78%
1.78%
1.47%
1.39%
1.23%
26.92%
MMI
9.80%
G-Secs
17.54%
Equities
47.59%
NCD
25.07%
Rating Profile
AA
2.03%
AA+
4.12%
AA4.49%
AAA
43.22%
P1+/A1+
8.46%
Sovereign
37.68%
Sectoral Allocation
21.70%
BANKING
OIL AND GAS
11.58%
SOFTWARE / IT
11.46%
9.24%
FMCG
7.81%
FINANCIAL SERVICES
7.20%
PHARMA
6.88%
METAL
6.59%
CAPITAL GOODS
4.07%
POWER
3.63%
AUTOMOBILE
Maturity Profile
AUTO ANCILLIARY
2.49%
DIVERSIFIED
2.03%
TELECOM
1.99%
47.67%
32.79%
19.54%
2 to 7years
CONSTRUCTION
1.25%
CEMENT
1.13%
OTHERS
0.95%
Magnifier Fund
Portfolio as on 30th September 2012
SECURITIES
ULIF00826/06/04BSLIIMAGNI109
GOVERNMENT SECURITIES
0.00%
CORPORATE DEBT
3.07%
Strategy: To invest in high quality equity security to provide long-term capital appreciation with
high level of risk. This fund is suitable for those who want to have wealth maximization over longterm period with equity market dynamics.
EQUITY
Asset Allocation
NCD
3.07%
86.52%
I T C LTD.
RELIANCE INDUSTRIES LTD.
I C I C I BANK LTD.
INFOSYS LTD.
H D F C BANK LTD.
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
STATE BANK OF INDIA
LARSEN AND TOUBRO LTD.
TATA CONSULTANCY SERVICES LTD.
OIL AND NATURAL GAS CORPN. LTD.
OTHER EQUITY
MMI
5.88%
5.50%
5.44%
4.83%
3.84%
3.79%
3.44%
3.42%
2.59%
2.37%
45.42%
10.41%
MMI
10.41%
Equities
86.52%
Rating Profile
AA+
2.67%
AA2.22%
AA9.27%
AA+
11.16%
P1+/A1+
55.15%
SOVEREIGN
79.56%
SOVEREIGN
19.04%
AAA
20.93%
Sectoral Allocation
20.08%
BANKING
12.46%
FMCG
SOFTWARE / IT
10.75%
10.71%
7.89%
FINANCIAL SERVICES
6.80%
PHARMA
6.48%
CAPITAL GOODS
6.13%
METAL
5.73%
AUTOMOBILE
Maturity Profile
100.00%
4.14%
POWER
TELECOM
2.11%
DIVERSIFIED
1.90%
AUTO ANCILLIARY
1.72%
CEMENT
1.09%
FERTILISERS
1.07%
OTHERS
0.93%
Maximiser Fund
Portfolio as on 30th September 2012
SECURITIES
HOLDING
GOVERNMENT SECURITIES
0.00%
CORPORATE DEBT
0.00%
EQUITY
97.80%
I C I C I BANK LTD.
RELIANCE INDUSTRIES LTD.
I T C LTD.
INFOSYS LTD.
H D F C BANK LTD.
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
LARSEN AND TOUBRO LTD.
STATE BANK OF INDIA
TATA CONSULTANCY SERVICES LTD.
OIL AND NATURAL GAS CORPN. LTD.
OTHER EQUITY
6.30%
5.95%
5.45%
4.49%
4.23%
4.21%
4.04%
3.78%
3.21%
2.59%
53.54%
MMI
2.20%
ULIF01101/06/07BSLIINMAXI109
Asset Allocation
MMI
2.20%
Equities
97.80%
Rating Profile
SOVEREIGN
63.22%
P1+/A1+
36.78%
Sectoral Allocation
20.64%
BANKING
11.29%
10.97%
SOFTWARE / IT
10.82%
8.87%
FINANCIAL SERVICES
7.06%
PHARMA
6.55%
METAL
6.14%
CAPITAL GOODS
5.35%
AUTOMOBILE
Maturity Profile
AUTO ANCILLIARY
2.31%
OTHERS
2.25%
POWER
2.25%
100.00%
CEMENT
1.93%
DIVERSIFIED
1.91%
TELECOM
1.66%
Super 20 Fund
Portfolio as on 30th September 2012
SECURITIES
HOLDING
GOVERNMENT SECURITIES
0.00%
CORPORATE DEBT
0.00%
EQUITY
94.87%
ULIF01723/06/09BSLSUPER20109
9.12%
8.76%
8.17%
7.78%
5.78%
5.72%
4.98%
4.95%
4.21%
4.09%
31.31%
MMI
5.13%
Asset Allocation
MMI
5.13%
Equities
94.87%
Sectoral Allocation
24.32%
BANKING
16.63%
SOFTWARE / IT
13.55%
FMCG
Ratings Profile
12.74%
SOVEREIGN
100.00%
7.24%
PHARMA
6.56%
FINANCIAL SERVICES
6.09%
CAPITAL GOODS
Maturity Profile
Less than 2 years
AUTOMOBILE
4.01%
POWER
3.32%
METAL
3.32%
100.00%
TELECOM
1
2.23%
Multiplier Fund
Portfolio as on 30th September 2012
SECURITIES
HOLDING
GOVERNMENT SECURITIES
0.00%
CORPORATE DEBT
0.69%
EQUITY
0.69%
ULIF01217/10/07BSLINMULTI109
Asset Allocation
85.35%
4.19%
3.47%
3.46%
2.96%
2.92%
2.59%
2.58%
Asset Allocation
2.51%
2.48%
2.42%
55.77%
NCD
0.69%
MMI
13.97%
13.97%
MMI
Equities
85.35%
Sectoral Allocation
12.79%
BANKING
11.90%
FMCG
10.65%
10.42%
METAL
9.68%
PHARMA
Rating Profile
8.63%
CAPITAL GOODS
8.26%
AUTO ANCILLIARY
P1+/A1+
77.48%
4.71%
SOFTWARE / IT
3.30%
POWER
2.64%
FINANCIAL SERVICES
SOVEREIGN
16.47%
AAA
6.05%
FERTILISERS
2.45%
CEMENT
2.34%
HOTELS
SUGAR
Maturity Profile
Less than 2 years
AGRI RELATED
2.18%
1.82%
1.73%
1.50%
TELECOM
1.48%
100.00%
DIVERSIFIED
1.28%
CONSTRUCTION
1.17%
AUTOMOBILE
1.08%
GOVERNMENT OF INDIA
GOVERNMENT OF INDIA
GOVERNMENT OF INDIA
GOVERNMENT OF INDIA
HOLDING
11.33%
2018
2018
2018
2017
CORPORATE DEBT
4.87%
3.20%
2.91%
0.35%
20.46%
EQUITY
ULIF01325/02/08BSLIIPLAT1109
Asset Allocation
GOVERNMENT
SECURITIES
11.33%
MMI
3.50%
EQUITY
64.71%
CORPORATE
DEBT
20.46%
64.71%
I T C LTD.
I C I C I BANK LTD.
RELIANCE INDUSTRIES LTD.
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
INFOSYS LTD.
LARSEN AND TOUBRO LTD.
H D F C BANK LTD.
TATA CONSULTANCY SERVICES LTD.
STATE BANK OF INDIA
OIL AND NATURAL GAS CORPN. LTD.
OTHER EQUITY
3.84%
3.00%
2.70%
2.34%
2.28%
1.97%
32.06%
BANKING
MMI
3.50%
4.26%
4.20%
4.15%
3.91%
Sectoral Allocation
22.20%
13.95%
12.98%
SOFTWARE / IT
Rating Profile
9.55%
FINANCIAL SERVICES
Sovereign
35.64%
AAA
64.36%
9.15%
FMCG
AUTOMOBILE
6.87%
PHARMA
6.57%
5.11%
METAL
CAPITAL GOODS
Maturity Profile
POWER
99.79%
TELECOM
CEMENT
4.64%
3.47%
2.73%
1.78%
0.21%
OTHERS
Less than 2 years
2 to 7years
0.99%
GOVERNMENT OF INDIA
GOVERNMENT OF INDIA
GOVERNMENT OF INDIA
GOVERNMENT OF INDIA
HOLDING
ULIF01425/02/08BSLIIPLAT2109
7.32%
2018
2018
2018
2019
CORPORATE DEBT
4.11%
1.87%
0.71%
0.63%
Asset Allocation
18.40%
EQUITY
2.87%
2.87%
2.35%
2.27%
1.57%
1.54%
1.41%
1.30%
0.77%
0.73%
0.72%
G-Secs
7.32%
Equities
72.48%
72.48%
I T C LTD.
I C I C I BANK LTD.
RELIANCE INDUSTRIES LTD.
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
INFOSYS LTD.
LARSEN AND TOUBRO LTD.
H D F C BANK LTD.
TATA CONSULTANCY SERVICES LTD.
STATE BANK OF INDIA
OIL AND NATURAL GAS CORPN. LTD.
OTHER EQUITY
4.34%
4.29%
3.38%
3.03%
2.60%
2.49%
2.28%
35.79%
MMI
1.81%
MMI
1.81%
NCD
18.40%
Sectoral Allocation
4.85%
4.73%
4.71%
22.05%
BANKING
OIL AND GAS
14.16%
12.92%
SOFTWARE / IT
9.63%
FINANCIAL SERVICES
9.28%
FMCG
AUTOMOBILE
6.68%
PHARMA
6.44%
5.11%
METAL
4.66%
CAPITAL GOODS
POWER
TELECOM
CEMENT
OTHERS
3.46%
2.86%
1.78%
0.97%
Rating Profile
Maturity Profile
Sovereign
28.46%
AAA
71.54%
94.97%
4.93%
0.10%
Less than 2 years
2 to 7years
CORPORATE DEBT
HOLDING
ULIF01628/04/09BSLIIPLAT3109
6.75%
4.81%
1.24%
0.51%
0.19%
10.50%
EQUITY
Asset Allocation
G-Secs
6.75%
MMI
3.92%
NCD
10.50%
Equities
78.83%
78.83%
5.41%
INFOSYS LTD.
I T C LTD.
I C I C I BANK LTD.
RELIANCE INDUSTRIES LTD.
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
STATE BANK OF INDIA
H D F C BANK LTD.
LARSEN AND TOUBRO LTD.
TATA CONSULTANCY SERVICES LTD.
HINDUSTAN UNILEVER LTD.
OTHER EQUITY
3.56%
3.41%
3.15%
2.86%
2.54%
38.79%
MMI
3.92%
5.08%
5.03%
4.96%
4.04%
Sectoral Allocation
22.27%
BANKING
14.62%
13.55%
SOFTWARE / IT
9.99%
FINANCIAL SERVICES
9.67%
FMCG
6.25%
AUTOMOBILE
5.32%
PHARMA
4.30%
METAL
4.00%
CAPITAL GOODS
POWER
3.51%
CEMENT
3.24%
TELECOM
OTHERS
2.43%
0.85%
Rating Profile
Maturity Profile
Sovereign
39.14%
AAA
60.86%
89.75%
6.05%
4.20%
Less than 2 years
2 to 7years
HOLDING
6.34%
CORPORATE DEBT
ULIF01816/09/09BSLIIPLAT4109
5.61%
0.70%
0.03%
5.84%
Asset Allocation
EQUITY
NCD
5.84%
G-Secs
6.34%
80.52%
INFOSYS LTD.
I C I C I BANK LTD.
RELIANCE INDUSTRIES LTD.
I T C LTD.
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
STATE BANK OF INDIA
H D F C BANK LTD.
LARSEN AND TOUBRO LTD.
TATA CONSULTANCY SERVICES LTD.
OIL AND NATURAL GAS CORPN. LTD.
OTHER EQUITY
3.27%
2.88%
2.61%
39.46%
MMI
7.31%
5.62%
5.23%
5.15%
5.09%
4.01%
3.73%
3.46%
MMI
7.31%
Equities
80.52%
Sectoral Allocation
BANKING
22.49%
14.87%
SOFTWARE / IT
13.64%
FINANCIAL SERVICES
10.07%
FMCG
9.55%
AUTOMOBILE
5.69%
PHARMA
5.48%
METAL
4.34%
CAPITAL GOODS
4.06%
POWER
CEMENT
TELECOM
OTHERS
3.57%
3.08%
2.31%
0.85%
Rating Profile
Maturity Profile
Sovereign
34.97%
AAA
32.21%
58.16%
32.30%
9.54%
P1+/A1+
32.82%
2 to 7years
CORPORATE DEBT
HOLDING
EQUITY
4.20%
3.64%
0.57%
7.53%
ULIF02203/02/10BSLPLATPR1109
2.48%
1.24%
1.11%
1.02%
0.63%
0.62%
0.44%
Asset Allocation
G-Secs
4.20%
83.59%
INFOSYS LTD.
I C I C I BANK LTD.
RELIANCE INDUSTRIES LTD.
I T C LTD.
STATE BANK OF INDIA
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
H D F C BANK LTD.
LARSEN AND TOUBRO LTD.
TATA CONSULTANCY SERVICES LTD.
OIL AND NATURAL GAS CORPN. LTD.
OTHER EQUITY
41.16%
MMI
4.67%
5.88%
5.46%
5.16%
5.13%
4.08%
4.07%
3.59%
3.42%
2.92%
2.72%
NCD
7.53%
MMI
4.67%
Equities
83.59%
Sectoral Allocation
BANKING
23.20%
14.65%
SOFTWARE / IT
13.31%
FINANCIAL SERVICES
9.94%
FMCG
9.33%
AUTOMOBILE
6.41%
PHARMA
METAL
4.29%
CAPITAL GOODS
4.09%
POWER
CEMENT
TELECOM
OTHERS
Rating Profile
3.59%
2.68%
2.23%
0.82%
Maturity Profile
P1+/A1+
23.20%
AAA
49.29%
5.46%
77.25%
22.75%
Sovereign
27.52%
Less than 2 years
HOLDING
GOVERNMENT SECURITIES
0.88%
CORPORATE DEBT
EQUITY
0.88%
6.09%
ULIF02408/09/10BSLPLATADV109
2.40%
1.93%
1.76%
90.35%
5.87%
5.79%
5.57%
5.41%
5.02%
4.47%
3.89%
3.15%
3.15%
2.79%
45.23%
MMI
2.67%
Asset Allocation
G-Sec's
0.88%
NCD
6.09%
MMI
2.67%
Equities
90.35%
Sectoral Allocation
BANKING
22.31%
13.96%
SOFTWARE / IT
12.37%
FINANCIAL SERVICES
10.26%
FMCG
8.67%
AUTOMOBILE
6.97%
PHARMA
6.12%
CAPITAL GOODS
4.95%
METAL
4.89%
POWER
TELECOM
3.36%
2.58%
CEMENT
1.40%
DIVERSIFIED
1.12%
AUTO ANCILLIARY
1.03%
Rating Profile
Maturity Profile
Sovereign
10.62%
44.27%
P1+/A1+
16.05%
AAA
73.33%
25.78%
29.95%
2 to 7years
Titanium Fund - 1
Portfolio as on 30th September 2012
SECURITIES
GOVERNMENT SECURITIES
7.61% GOVERNMENT OF INDIA 2015
7.17% GOVERNMENT OF INDIA 2015
6.49% GOVERNMENT OF INDIA 2015
CORPORATE DEBT
HOLDING
7.90%
4.27%
2.37%
1.27%
25.45%
EQUITY
65.09%
INFOSYS LTD.
RELIANCE INDUSTRIES LTD.
I T C LTD.
I C I C I BANK LTD.
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
H D F C BANK LTD.
STATE BANK OF INDIA
LARSEN AND TOUBRO LTD.
TATA MOTORS LTD.
HINDUSTAN UNILEVER LTD.
OTHER EQUITY
2.24%
2.15%
35.10%
MMI
1.56%
4.17%
3.81%
3.72%
3.24%
ULIF01911/12/09BSLITITAN1109
Asset Allocation
G-Secs
7.90%
MMI
1.56%
NCD
25.45%
Equities
65.09%
3.14%
2.77%
2.48%
2.27%
Sectoral Allocation
22.18%
BANKING
OIL AND GAS
13.79%
SOFTWARE / IT
13.74%
9.63%
AUTOMOBILE
FINANCIAL SERVICES
9.06%
FMCG
9.02%
6.19%
METAL
4.39%
PHARMA
3.49%
CAPITAL GOODS
3.05%
DIVERSIFIED
CEMENT
1.99%
POWER
1.92%
1.56%
TELECOM
Maturity Profile
Rating Profile
72.54%
Sovereign
23.70%
27.46%
AAA
76.30%
Less than 2 years
2 to 7years
Titanium Fund - 2
Portfolio as on 30th September 2012
SECURITIES
GOVERNMENT SECURITIES
7.17% GOVERNMENT OF INDIA 2015
7.61% GOVERNMENT OF INDIA 2015
6.49% GOVERNMENT OF INDIA 2015
CORPORATE DEBT
8.64%
9.37%
9.85%
9.46%
8.95%
9.15%
8.28%
HOLDING
9.16%
4.50%
2.88%
1.77%
27.00%
EQUITY
ULIF02011/12/09BSLITITAN2109
Asset Allocation
G-Secs
9.16%
MMI
1.66%
NCD
27.00%
62.19%
INFOSYS LTD.
I T C LTD.
RELIANCE INDUSTRIES LTD.
I C I C I BANK LTD.
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
H D F C BANK LTD.
STATE BANK OF INDIA
TATA MOTORS LTD.
LARSEN AND TOUBRO LTD.
HINDUSTAN UNILEVER LTD.
OTHER EQUITY
2.12%
2.10%
33.69%
MMI
1.66%
4.06%
3.59%
3.59%
3.04%
2.94%
2.57%
2.33%
2.15%
Equities
62.19%
Sectoral Allocation
BANKING
21.92%
SOFTWARE / IT
13.91%
13.64%
9.59%
AUTOMOBILE
FMCG
9.16%
FINANCIAL SERVICES
8.90%
6.29%
METAL
4.45%
PHARMA
3.42%
CAPITAL GOODS
3.10%
DIVERSIFIED
CEMENT
2.04%
POWER
1.99%
1.59%
TELECOM
Maturity Profile
Rating Profile
98.27%
Sovereign
25.32%
AAA
74.68%
1.73%
Less than 2 years
2 to 7years
Titanium Fund - 3
Portfolio as on 30th September 2012
SECURITIES
GOVERNMENT SECURITIES
6.49% GOVERNMENT OF INDIA 2015
7.17% GOVERNMENT OF INDIA 2015
CORPORATE DEBT
HOLDING
11.69%
10.97%
0.72%
33.33%
5.89%
9.37% NATIONAL HOUSING BANK 2015
9.15% EXPORT IMPORT BANK OF INDIA 2015
5.87%
8.64% POWER GRID CORPN. OF INDIA LTD. 2015
5.44%
9.85% HOUSING DEVELOPMENT FINANCE CORPN. LTD. 2015
4.47%
8.95% POWER FINANCE CORPN. LTD. 2015
4.38%
8.8% STATE BANK OF HYDERABAD 2016
4.36%
9.46% NATIONAL BANK FOR AGRI. AND RURAL DEVELOPMENT
1.48% 2015
8.28% L I C HOUSING FINANCE LTD. 2015
1.44%
EQUITY
ULIF02111/12/09BSLITITAN3109
Asset Allocation
G-Secs
11.69%
46.87%
MMI
8.11%
INFOSYS LTD.
RELIANCE INDUSTRIES LTD.
I T C LTD.
I C I C I BANK LTD.
H D F C BANK LTD.
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
STATE BANK OF INDIA
TATA MOTORS LTD.
LARSEN AND TOUBRO LTD.
GRASIM INDUSTRIES LTD.
OTHER EQUITY
25.34%
BANKING
MMI
8.11%
14.13%
SOFTWARE / IT
13.98%
3.20%
2.85%
2.80%
2.20%
2.17%
2.11%
Equities
46.87%
NCD
33.33%
1.62%
1.57%
1.51%
1.50%
Sectoral Allocation
21.71%
9.75%
AUTOMOBILE
9.16%
FMCG
8.57%
FINANCIAL SERVICES
6.01%
METAL
4.69%
PHARMA
CAPITAL GOODS
3.23%
DIVERSIFIED
3.20%
POWER
2.05%
CEMENT
1.88%
TELECOM
1.65%
Maturity Profile
Rating Profile
87.12%
Sovereign
25.96%
AAA
74.04%
12.88%
2 to 7years
ULIF02610/02/11BSLFSITSP1109
HOLDING
GOVERNMENT SECURITIES
0.39%
CORPORATE DEBT
9.3% POWER GRID CORPN. OF INDIA LTD. 2021
0.39%
1.62%
Strategy: To dynamically manage the allocation between equities and fixed income instruments, while using
1.62%
SECURITISED DEBT
0.00%
EQUITY
93.86%
INFOSYS LTD.
I C I C I BANK LTD.
I T C LTD.
RELIANCE INDUSTRIES LTD.
H D F C BANK LTD.
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
STATE BANK OF INDIA
LARSEN AND TOUBRO LTD.
TATA CONSULTANCY SERVICES LTD.
HINDUSTAN UNILEVER LTD.
OTHER EQUITY
6.12%
6.08%
5.94%
5.65%
5.27%
5.18%
4.09%
3.55%
3.05%
2.90%
46.02%
MMI
4.14%
derivatives when necessary and for hedging purposes only. The equity investment strategy will revolve around
building and actively managing a well-diversified equity portfolio of value & growth driven fundamentally strong
blue-chip companies by following a research-focused investment approach. On the fixed income
side, investments will be made in government securities, high rated corporate bonds and money market
instruments.
Asset Allocation
MMI
4.14%
NCD
1.62%
G-Secs
0.39%
Equities
93.86%
Sectoral Allocation
BANKING
23.82%
SOFTWARE / IT
13.78%
13.76%
FINANCIAL SERVICES
10.36%
Rating Profile
FMCG
Sovereign
19.24%
9.41%
AUTOMOBILE
6.20%
METAL
AAA
80.76%
5.51%
PHARMA
Maturity Profile
5.09%
CAPITAL GOODS
3.78%
POWER
3.29%
64.40%
TELECOM
2.45%
35.60%
CEMENT
OTHERS
1.72%
0.83%
FORESIGHT - 5 PAY
ULIF02510/02/11BSLFSIT5P1109
HOLDING
GOVERNMENT SECURITIES
3.24%
2.44%
0.73%
0.07%
CORPORATE DEBT
6.54%
2.60%
1.53%
0.84%
0.68%
0.44%
0.38%
0.08%
SECURITISED DEBT
Strategy: To dynamically manage the allocation between equities and fixed income instruments, while using
derivatives when necessary and for hedging purposes only. The equity investment strategy will revolve around
building and actively managing a well-diversified equity portfolio of value & growth driven fundamentally strong
blue-chip companies by following a research-focused investment approach. On the fixed income
side, investments will be made in government securities, high rated corporate bonds and money market
instruments.
Asset Allocation
0.00%
EQUITY
79.08%
INFOSYS LTD.
RELIANCE INDUSTRIES LTD.
I C I C I BANK LTD.
I T C LTD.
HOUSING DEVELOPMENT FINANCE CORPN. LTD.
H D F C BANK LTD.
STATE BANK OF INDIA
LARSEN AND TOUBRO LTD.
TATA CONSULTANCY SERVICES LTD.
HINDUSTAN UNILEVER LTD.
OTHER EQUITY
5.39%
4.83%
4.72%
4.59%
3.90%
3.82%
NCD
6.54%
G-Secs
3.24%
MMI
11.13%
Equities
79.08%
3.53%
3.12%
2.65%
2.60%
39.94%
Sectoral Allocation
11.13%
MMI
Rating Profile
BANKING
22.97%
SOFTWARE / IT
P1+/A1+
24.38%
14.34%
AAA
50.57%
Sovereign
25.05%
14.09%
FINANCIAL SERVICES
9.83%
FMCG
9.09%
AUTOMOBILE
6.40%
METAL
5.74%
PHARMA
5.24%
CAPITAL GOODS
3.94%
Maturity Profile
POWER
3.44%
50.98%
TELECOM
49.02%
CEMENT
OTHERS
2.46%
1.67%
0.80%
HOLDING
GOVERNMENT SECURITIES
ULIF00604/03/03BSLNOURISH109
30.09%
5.70%
5.54%
5.32%
4.66%
4.07%
2.72%
2.09%
CORPORATE DEBT
Strategy: To invest in fixed income securities with marginal exposure to equity up to 10%
at low level of risk. This fund is suitable for those who want to protect their capital and earn
steady return on investment through higher exposure to debt securities.
Asset Allocation
51.94%
5.02%
4.10%
3.68%
3.65%
3.58%
3.58%
3.55%
2.44%
2.44%
2.21%
17.69%
EQUITY
9.71%
MMI
0.60%
0.58%
0.55%
0.55%
0.42%
0.38%
0.37%
0.31%
0.27%
0.25%
5.43%
8.26%
MMI
8.26%
NCD
51.94%
G-Secs
30.09%
Rating Profile
AA1.78%
AA
1.02%
AAA
55.37%
Sovereign
35.17%
Sectoral Allocation
22.15%
BANKING
SOFTWARE / IT
11.70%
11.45%
10.15%
7.66%
FINANCIAL SERVICES
METAL
7.06%
PHARMA
6.90%
5.16%
CAPITAL GOODS
4.88%
POWER
3.69%
AUTOMOBILE
AUTO ANCILLIARY
2.24%
DIVERSIFIED
2.12%
TELECOM
1.95%
43.32%
32.32%
24.37%
OTHERS
2 to 7years
AA+
2.52%
P1+/A1+
4.13%
FMCG
Maturity Profile
Equities
9.71%
CEMENT
1.68%
1.23%
HOLDING
GOVERNMENT SECURITIES
25.07%
8.29%
3.62%
2.93%
2.73%
1.98%
1.83%
1.06%
1.05%
0.93%
0.66%
CORPORATE DEBT
47.55%
ULIF00504/03/03BSLIGROWTH109
Asset Allocation
EQUITY
MMI
7.58%
CORPORATE
DEBT
47.55%
EQUITY
19.80%
GOVERNMENT
SECURITIES
25.07%
Rating Profile
AA
2.26%
Sovereign
34.53%
19.80%
1.19%
1.15%
1.13%
1.12%
0.85%
0.75%
0.75%
0.62%
0.55%
0.49%
11.21%
MMI
7.58%
AAA
63.22%
Sectoral Allocation
21.62%
BANKING
11.54%
SOFTWARE / IT
11.28%
10.20%
FMCG
7.57%
FINANCIAL SERVICES
METAL
6.85%
PHARMA
6.74%
4.92%
CAPITAL GOODS
4.41%
POWER
3.62%
AUTOMOBILE
CEMENT
Maturity Profile
AUTO ANCILLIARY
DIVERSIFIED
43.77%
24.61%
31.62%
TELECOM
CONSTRUCTION
2 to 7years
OTHERS
2.62%
2.47%
2.07%
1.93%
1.24%
0.93%
HOLDING
GOVERNMENT SECURITIES
ULIF00404/03/03BSLIENRICH109
19.74%
3.49%
3.17%
2.67%
2.63%
2.05%
1.73%
1.39%
0.73%
0.58%
0.58%
0.73%
CORPORATE DEBT
Strategy: To earn capital appreciation by maintaining diversified equity portfolio and seek to earn
regular return on fixed income portfolio by active management resulting in wealth creation for
policyholders.
Asset Allocation
G Secs
19.74%
EQUITY
34.59%
MMI
9.74%
35.94%
EQUITY
NCD
35.94%
Rating Profile
AA
1.95%
P1+/A1+
8.09%
AA+
1.47%
34.59%
2.07%
2.00%
1.97%
1.96%
1.48%
1.31%
1.30%
1.08%
0.94%
0.87%
19.60%
MMI
9.74%
AAA
55.91%
Sovereign
32.58%
Sectoral Allocation
BANKING
21.60%
SOFTWARE / IT
11.57%
11.21%
FMCG
10.14%
FINANCIAL SERVICES
7.62%
METAL
6.81%
PHARMA
6.78%
CAPITAL GOODS
6.39%
POWER
4.53%
AUTOMOBILE
Maturity Profile
AUTO ANCILLIARY
3.60%
2.45%
DIVERSIFIED
2.07%
TELECOM
1.92%
57.19%
29.59%
CONSTRUCTION
1.23%
CEMENT
1.15%
OTHERS
0.93%
13.22%
2 to 7years