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MFP

(Marketing of Financial Product)


(MarketingofFinancialProduct)
SKIPS(201213)
By:Jigar Parekh

What WARREN BUFFET says about the Basics of Investment?

What Warren Buffet says about basic investing, spending, savings are so true, that MOST of
us know it. However too many of us do not live it. So it is useful if once in a while somebody
can just rejig the memory.
If it does make a change in your life, thank HIM (I mean God) because this is common sense.
WB said it once, I am just reproducing it. It helps because you did not remember it. Or you
did not do it.
Now, just go and b..y well do it!
1. On Earning: Do not depend on a single income, Invest and create a second/ third
source of income: This means when you are young your first task should be saving and
investing. By creating a second source of income you are quickly reducing your dependence
on your job. This could help you to set out on your own one day. The quicker you can do it,
the better.
2. On Spending: If you buy things that you do not need, you may soon have to sell things
you need: OK WB is being very harsh, but it kind of summarizes Gen Xs reaction towards
luxuries. As a part of Gen X we were perhaps criticised for some of our expenses, so it
could be a Generational thing even for WB. However having goals and knowing where you
are going, and not spending just to show off are important lessons for all generations.
3. On Savings: Do not spend what is left after spending, instead spend after you
save/invest: Also called Pay Yourself First. If you realise that investing in a pension plan or
for your kids education is JUST helping you to save MORE later on. It is not a sacrifice, it is
just postponing consumption. So understand your payments, then you will not cringe on
saving, investing or far more important insurance. So first invest, then spend.
4. On taking Risk: Never test the depth of the river with both your feet: If you are doing
something, do small. If you are a first gen investor, do not be carried away by equity lovers
like me and put all your money in equity. Do a SIP with a small amount, and test the waters.
Do a SIP of Rs. X (which could be 10% of your take home pay) for 5 years and then step up.
And for heavens sake UNDERSTAND risk of inflation, and the concept of REAL
RETURNS.
5. On Investing: Do not put all eggs in one basket. Immaterial of who you are and how
much you understand, create a portfolio. A full range lunch plate is always better than just
one item. So create a portfolio with bonds, bond funds, ppf, nsc, equity, equity mutual funds,
..and on the risk side medical and term insurance.
6. On Expectation: Honesty is expensive, do not expect it from cheap people: Not
everybody is honest, nor does everybody want to be honest. Honest advisers are difficult to
find esp in Health and Wealth, be careful.
dark bold letters are Warren Buffets comments, other part is my interpretation / explanation
of WBs sayings.

1/30/2013

BasicsofInvestments
Risk&Return
Jigar Parekh:10122012

45%ofHouseholdsavingsisinvestedintothe
BankFD
Only2%to3%isinvestedintotheequityand
equity related instruments
equityrelatedinstruments.

WhydoweInvest?
SavingvsInvestment
UnderstandingRisk
VarioustypesofInvestmentProducts

Savingvs.Investment
g

Indiaisanationofsavers
Domesticsavingisashighasaround30%orGDP

1/30/2013

Investment
Whatisinvestment?

TypesofAssetclass
Equity

Investmentisthepostponingcurrentexpenditure
tosecureourfutureexpenditure.

PurposeofInvestment.

Elementofownership

Debt

Wewanttogrowourmoney
Wewanttoprotectourmoney

Elementoflendingmoney

Factorstolookbeforeselecting
Investment

Investmentoptions

Stocks
Bonds
BankFDs
RBIBonds
PPF
MutualFunds
InsurancePlans
GovernmentSecurities
StructureProducts

ExpectedReturn
Risk Safety
Liquidity LockinPeriod
Taxefficiency (whileinvestingandwhile
withdrawing)
Flexibility

1/30/2013

UnderstandingReturn

UnderstandingRisk
WhatisRisk?
Chancethatapersonmaylosehiscapital
Chancethatapersonmaynotgetthedesired
return

CAGR
AbsoluteReturnvsannualisedreturn
IRRVsXIRR

RiskHandeling
RiskAvoidance
RiskTransfer

TypeofRisks

SystematicRiskvs UnsystematicRisk
MarketRisk
ReinvestmentRisk
InterestRateRisk
g
PurchasingPowerRisk
LiquidityRisk
RegulationRisk
BusinessRisk
InternationalRisk
ExchangeRateRisk
CountryRisk

1/30/2013

MeasuringTotalRisk
StandardDeviation
MeasuresTotalRisk=Systematic+Unsystematic
Risk
Risk
1*Std=68.3%(Expectedreturn+/ std)
2*Std=95.4%(Expectedreturn+/ std)
3*std=99.7%(Expectedreturn+/ std)

ManagingRisk
Diversification Reducingunsystematicrisk
Securitywise
Segmentwise
Marketwise
Market wise

Heading Reducingunsystematicrisk
Future
Option

MeasuringRisk
Beta:
MeasurestheSystematicriskalsocalledMarket
risk.
Beta=1:ExactMarketRisk
k
k
Beta>1:MoreriskierthanMarket
Beta<1:LessriskierthanMarket
Example:ifthestockbetais1.2thenitmeansthatifthe
marketgoesupby1%thenstockpricewouldgoupby
1.2%andifmarketgoesdownby1%thenstockprice
wouldalsogodownby1.2%

MeasuringReturn
NominalReturnVsRealreturn
*Oneshouldalwaysconsidertheposttaxreturn
_______________________________________
CurrentYield
Yieldtomaturity
TotalReturn

1/30/2013

CommonMistakeswemakein
InvestmentPlanning

MeasuringReturn
RequiredRateofreturn
SharpeRatio
TrenyorRatio
T
R i

RiskManagement

WerarelysetaGOAL
Wefollowthecrowd
Weexpectunrealisticreturnoninvestment
Ourdecisionsarealwaysbasedonthepast
performance
Weinvestmajorlyfortaxplanningonly
Wewanttodoitourself

TypesofInsurance
LifeInsurance
NonLifeInsurance(OftenknownasGeneral
Insurance)

1/30/2013

LifeInsurance

DefinitionofLifeInsurnace:

Whatisinsurance?
LifeInsurance Basics.
HowmuchLifeInsuranceoneshouldhave?
TypeofLifeinsuranceProducts.
DistributionChannel

WhyLifeInsurance

BenefitsforLifeInsurance

InsuranceVsGambling
InsuranceVsSpeculation
InsuranceVsHedging

1/30/2013

HowMuchLifeInsurance:

*Human Life Value


*N d B
*Need
Based
d IInsurance

Assignmentforstudents
YourName
YourDateofBirth
TermPlanPremiumfor3differentcompanys
productwithriders.
d
i h id
SA2500000
SA5000000
SA10000000

Terms you should know about the Life Insurance:


Accident
An accident is an unforeseen event or occurrence causing damage or injury to a person

Age Limit
It is the stipulated minimum and maximum ages below and above which the company will
not accept applications or may not renew insurance policies.

Agent
An insurance company representative who sells and services life insurance contracts for the
insurer; He is an intermediary between the insurer and the policyholder

Annuity Plan
An insurance contract that provides for an income for a specified period of time, such as a
number of years or for life

Application/Proposal Form
This is to be filled by the insurance companys agent and sometimes a medical examiner
including information given by the proposer. In addition, it has to be signed by the proposer.
It is one of the primary steps to get an insurance policy.

Assignment
An assignment is a legal transfer where a policyholder can transfer his interest to another. It
can be made by an endorsement on the policy document or by a separate deed. Assignment
can be either Conditional or Absolute.

Beneficiary
The beneficiary is the person or entity, named in the policy as the recipient of the life
insurance benefit in the event of policyholder's death.

Coverage
The amount of protection that the policyholder will receive based on the terms of the policy.

Exclusions
These are stipulated in a policy as what will not fall under the insurance policy and hence will
not provide benefit to the insured or beneficiaries.

Fiduciary
A fiduciary is a person who has been legally trusted by a beneficiary. For example, if a
beneficiary legally documents that someone will act on his behalf when required.

Grace Period
Policy holders are expected to pay their premium on time. However, a certain additional
period is given to the insured. During this additional period, or grace period, the policyholder
is allowed to pay the premium without any interest. Therefore it is a specified period after a
premium payment is due, in which the policyholder may make such payment, and during
which the protection cover of the policy normally continues.

Insurable Interest
This means that the insured, or the beneficiary who receives the policy benefits, must
necessarily suffer an emotional or financial loss if an unforeseen or untouched event occurs.
Without insurable interest an insurance contract stands invalid.

Insurability
Insurability means all conditions that affect the health, susceptibility to injury and life
expectancy of an insured.

Insurance
It is to indemnify the insured, or beneficiary on the death of the insured, as protection against
unforeseen circumstances. (A system under which individuals, businesses, and other entities,
in exchange for a monetary payment (a premium), are guaranteed compensation for losses
resulting from certain perils under specified conditions.)

Insured
The insured is the person who is covered in the insurance policy.

Lapsed Policy
A policy which has been terminated for non-payment of premiums. A policy lapses usually
when the premium due is not paid even after the grace period.

Maturity Date
The maturity date is the date when the amount paid towards the life insurance policy is given
to the policy holder once the term of the policy ends.

Maturity Claim
The amount given to the insured at the end of the maturity period is called the maturity claim.

Moral Hazard
An insurance policy is based on the need for insurance, the health and personal habits of the
insured, the insureds standard of living and income. The moral hazard is the decision of the
insurance company to accept the risk and issue a policy after taking the factors mentioned
above into consideration.

Nomination
This is when the policy holder or insured officially authorises another person to receive any
monetary benefits of the policy. The authorised person is the Nominee.

Premium
The amount paid by the insured, either in lump sum or in periodic amounts, to the insurance
company under the life insurance policy.

Reinstatement
Reinstatement of a policy is the act of putting a lapsed policy back into force, after the grace
period has expired. The company may require evidence of insurability and will always
require the insured to pay the total amount of overdue past premiums.

Surrender Value
The surrender value it the amount paid to an insured who wishes to terminate the policy
before its maturity date.

Vesting Age
The age at which the insured starts receiving a pension from the insurance company in an
insurance-cum-pension policy.
NOTE: The above definitions are only explanatory in nature. If any of the above terms have
been defined in the policy contract, then the policyholder should consider the definition as
specified under the policy contract.

What To Look For In Your Insurance Contract


Life insurance is the only financial tool which offers the triple advantage of risk coverage,
long term savings, and tax benefit. It offers financial protection to an individual after taking
into account the present and future value of his assets and liabilities. However, consumers
need to develop a better understanding of the life insurance products that they buy.
There are a number of things that you must understand regarding your life insurance policy
and this document is a guide to help you check the same.

Mentioned below are 10 key parameters to weigh once you


receive the policy document.

Verify personal details


Personal data provided to the life insurance company forms a very important part for
policy servicing and settlement of all claims.
Please make sure that all personal details such as your name, age, address, etc. are
mentioned correctly.
Moreover, do be certain that all aspects related to personal habits or health details are
mentioned correctly as per the disclosures made by you in the proposal form.

Analyze the benefits


The benefits of your life insurance policy must correspond with your long-term goals.
After the receipt of policy document, go through the features and benefits of the
product and check if they match with promises made during the purchase. Crosscheck features such as sum assured, premium amount, flexibility of the plan, etc.

Check the riders


In addition to life coverage, you may have purchased add-on covers known as "riders"
for other types of contingencies. Go through the insurance contract to understand the
rider coverage.

Consider the payment tenure


Please check for how long you need to pay premiums and also what mode of payment
you may have chosen, for example half yearly, quarterly, annual, etc.
You may sometime get a wrong advice like "you need to pay for only 3/5 years".
Please do not fall for such advice. Life insurance is a long-term savings and protection
tool and its benefits can be seen only if one buys it for the long-term.

Authenticate the returns


Do not blindly believe the returns promised. Once you get the policy document, check
out the benefit illustrations of returns.
The illustration shows what would be your illustrative benefits in a hypothetical
situation if your investment were to provide a gross return of 6% and 10%, as per the
IRDA's mandate. Study carefully what is guaranteed and what is not.

Comb through the policy contract


In addition to the benefits specified in policy documents, it is necessary to carefully
read the terms and conditions of the policy. In case you find any difficulty in
understanding any aspect of terms and conditions, please check with the life insurer
the impact of those terms and conditions.

Confirm surrender charges


Very rarely, a situation may arise where you face a cash crunch and need to surrender
your policy or make partial withdrawals. For times like these, make sure to examine
the exact surrender charges mentioned in the policy document, so that you can plan
finances and minimize losses accordingly.

Examine exclusions
Exclusions in the policy define aspects or situations that will not be included in the
coverage. An exclusion that one is not aware of can make the cover redundant.
Read the exclusions carefully. These may include suicide, death which occurs during
the commission of a crime, acts of war or terrorism, death due to a natural calamity,
etc. Some exclusion may be only for a specified period and may be called restrictions
instead.

Claims settlement process


Check if the nominee's details are captured correctly. You have the option of
including one or more nominees and specify their share of claim. The policy should
also list down all details on how to file a claim.

What to do when you think a life insurance policy has been mis-sold
The life insurers provide a free-look period of 15 days to the policyholder during
which a policyholder can review the policy document and if he/she is not satisfied,
then he/she is free to return the policy and claim refund of the premium paid post
deduction of applicable charges.
IRDA has also set-up various Ombudsmen offices across the country, which can take
up policyholder grievance and complaints.

10 most important things to see before you buy life insurance:


SBI ad
SBI life insurance has come out with an ad which says here is a list of 10 most important
things that you should see before you buy life insurance. I am not getting into whether it is
the correct 10 or there could be a better 10.
My take is this is a typical motherhood statement that advise is accused of. Completely
correct and mostly useless UNLESS you understand what it means.
Let me list the following for a start will elaborate later on:
1. Analyse and ensure that the plan meets your insurance needs and long term financial goals
2. Is it a Unit Linked or Traditional?
3. Understand risk factors, terms and conditions, of the plan and read the sales brochure
carefully.
4. See whether it is a single one time payment or a regular plan.
5. Confirm the premium payment and frequency
6. Check the benefit illustration
7. Confirm that the term is appropriate
8. Check the lock in and the surrender charges and its applicability
9. Understand the benefits available before and post maturity
10. Provide true and complete information while filling up the form.
each one is correct, not understandable and useless for the end user.
It is useful for the professional in the field.perhaps .but then he may already know it.
It is useful for people like me to write about on my blog for sure.

TermInsurance:JigarParekh
http://parekhjigar.blogspot.com

Paying money for something which you wont get if you are alive!!! Doesnt it sound ridiculous??
Will you pay for any such thing!!! How can we do that?? Now read carefully, I being Gujarati and
belonging to a typical bania family (community which is believed to be very conservative in
spending)payalmostRs.30000peryearforsomethingwhichIwillnotgetifIamalive.Forgetting
thebenefitofwhatIpayIneedtodie.Youreaditcorrectly,sodontbothertoreaditagain.Iamfull
consciousatthemoment.IdopayRs.30000peryearforthepromisefromsomebodythatinevent
ofmyunfortunatedemise,allmyfinancialliability,towardsmyfamilywhichIwouldhavefulfilled,
hadIbeenalive,wouldbetakencare.

Letmegiveyouanideaaboutlistofmyfinancialliabilities,bothcurrentandfutureliabilities.Ihave
bought the flat by taking a loan from bank worth Rs. 48 lacs. If I die today, my wife who is a
housewifewouldrequireconstantregularincometillsheisalive(another45to50years).Andlet
metellyouourcurrentmonthlyrequirementisaround22000to25000permonthandisdoubling
every5to6yearsduetodemoncalledinflation.Ihavea3yearoldkid,yesyouarerightascuteas
your kid, whom I want to give the best education which might cost more than 15 lacs in current
scenarioandGodknowshowmuchitwouldstillincreaseagainduetoinflation.Alsoawedding
expensewhenheattainstheproperage,isthereonthelistofpriority.Apartfromthisalsoother
unavoidableexpensesarebuyingnewcar,holidays,replacementofoutdatedelectronicgadgetsetc.
Thelistislongerbutjusttogiveyouanidea,Imentionedsomeofthemostimportantonesonly.
NowbypayingRs.30000tosomeoneperyearifIgetawrittenpromisethatallthesecurrentand
futureliabilitieswouldbetakencare,ifunfortunatelyIDIE.Isitabigcost,ificonvertitinmonthly
figureitcomesto2500lessthanRs.100perday. Andthatwritten promiseisgivento menot by
someone with no credibility, it is given to me by someone who has a capital of more than 100 cr
rupeesandoneofthemostvaluableandrenownednameincountry.
By now some of you might have understood what I am writing about. Name of that magic thing
whichIampayingforisnothingbutTermInsurance.Allofyoumightbeawareabouttheword
Insurance, but I am sure many of you might have been wondering what this Term Insurance,
because you might have heard about money Back insurance, Endowment Insurance, Whole Life
Insurance,UnitLinkedInsurancebutnotterminsurance.

Let me explain. Before understating about Term Insurance let me take you in flashback, to the
originofInsurance.Conceptofinsurancetookplacefromthebasicneedofsharingthelossofone
unfortunatebygroupofpeople.Forexample,inatownifthereare2000Familieswithonebread
earnerandeveryyear2personsdieaccordingtopaststatisticaldata.Sotoprotectthefamilyofthat
unfortunatepeople,all2000familiesspareRs.10000sototallyRs2criscollectedanditisdivided
betweenthese2familieswhohavewitnessedtheunfortunateeventofdemiseofbreadearner.Isnt
thissystemverysimple,usefulandveryhumane.ThemainconceptofInsuranceisnothingbutto
shareriskofsomepeoplebythegroupofpeople.TermInsuranceisthebasicinsurancewhichonly
providestheRiskcoverineventofthepersonwhoisinsured.Thesekindsofbasicandmostuseful

insurancepolicies,whichareavailablefromallinsurancecompanies,butarestillverylesspopularin
India.
Asperourbasichumanpsychologywehavealwaystrytoaddmoreandmorefeaturestothebasic
product,wealsodidthesamethingwithinsurance.Wetrytocombinesaving,investmentandtax
saving benefit with the basic concept of insurance, which is not bad but as an outcome the basic
benefit of insurance (pure risk) became very costly for people with limited income or people with
manyliabilities.JustfromthelistmyliabilitieswhichIhavealreadymentionedearlier,itseemsthat
in case of my death roughly my family would need at least 2 cr. rupees only for securing all the
liabilities.Nowtobuythepolicy,whichprovidesmetheSumAssured(Amountpayableincaseofmy
death) worth Rs. 2 cr, and also has the element of saving and investment I at least need to pay
roughlyRs.10lacstoinsurancecompanyeveryyear,whichisnotfeasibleformebuttobuyterm
insurancewhereIgetthepureriskcoveronlyworthRs.2cr.IneedtopayonlyRs.30000,whichis
very much practical and possible for me. Term plans are also available with the small premium of
3000peryearandmore.
To give you an example, for buying 1 cr worth of Life insurance I have 2 choices, one is to buy
traditional or ULIP life insurance policy by paying 5 lacs premium per year, other is to buy a term
planbypayingRs15000peryear.CommittingtopayRs.15000peryearisfareasierandconvenient
thantocommit5lacspremiumperyear.Incaseoffirstchoice,youwouldgetyourinvestmentback
withsomeprofits,incaseofsecondyouwontgetanythingunlessyoudie.Butinsecondcaseyou
haveafreedomtoinvestremainingRs.4.85lacsaccordingtoyourconvenienceandyoucaneven
diversifythatamountamongvariousassetclassesandinvestmentschemesavailableinmarket. In
caseoffinancialdifficultytherearechancesthatyoumightfeelitdifficulttowritethechequeforRs.
5lacsandinturnlosingthebenefitofRiskcover.ButitwouldbemucheasiertopayRs.15000even
inafinancialhardshipcomparedtoRs.5lacs.Evenincaseofclubbinginvestmentandriskcover,in
majorityofthecasesitisobservedthatthebasiccostofRiskcoverisalwayshigherinsuchpolicies
thanthecostofriskcoverwhichyoupayforbuyingTermPlan.
Thefirststepoffinancialplanningforyourfamilyistoprotectyourfamilyfromanykindofriskthat
can be an obstacle in creating wealth for all the required current and future financial liabilities.
Death of bread earner could be the biggest such risk which can spoil all the current and future
planningandmakethelifeofoneslovedonesmiserable.Soitsveryessentialforeveryonetosit
and calculatethe needof protectionrequiredforthefamilyineventofonesunfortunate demise
andthentobuyaTermInsurance.
2ThingstokeepinmindwhilebuyingTermInsurance:

1) Be true to your Insurer while buying a term insurance you need to provide all the relevant
information truly which is asked by insurers. The premium which insurer decides is based on the
various parameters affecting your life. In event of any misrepresentation of any information
providedbyyou,itcancreatethebiggestriskofrejectionofclaim.Soprovideallthe
Informationregardingyourcurrentandpasthealthrelatedproblemstoyourinsurers.


2)CostEffectiveAsTermplanbeingaplainvanillaproduct,itisadvisablethatyoucomparethe
premiumchargedbyvariousinsurancecompaniesandselectstheonewhichismorecosteffective.
Also client should look for some added benefit if insurer is providing any, before selecting the
insurer.Forexample,KotakLifeInsuranceColtdhasoneuniquetermplancalledKotakPreferred
TermPlanwheretheydifferentiatethepremiumamountnotonlyonthebasisofAgeorgenderof
ainsuredperson,butalsoonthebasisofweatherthepersonistobaccouserornot.Theonewhois
nottobaccousergetsahugediscountinpremium.
Currently, in order to cut their own costs many insurers nowadays have started promoting online
termplanstoavoidthedistributioncost.ButIstronglysuggestonemustbuythetermplanwiththe
helpofsomecompetentagentordistributorasthemostimportantfactorincaseoftermplanisa
processofclaimsettlement.Ifyouhavesomeagentofdistributor,yourlovedonescancallthemfor
the assistance in case of your demise. It would become very convenient and easy for family
memberstogettheclaimspaidwiththehelpandguidanceofcompetentdistributor.
Atlast,Iwouldliketoshareoneforwardedemailstorysenttomejustfewdaysbackfromoneofmy
friend.

EkChhotiBachhiApnePapakSathjaRahiThi:
EkPulparPaaniBahutTeziseBehRahaTha
PAPA:BetaDaroMat,MeraHathPakadLo,
BACHHI:NahiPapa,AapMeraHaathPakadLo,
PAPA(MuskuraKar):DonomeKyaAntarHaiBeta????
BACHHI:AgarMaiAapkaHaathPakduaurAchanakkuchhoJaye,ToShayadmaiAapkaHaathChod
Du Lekin Agar aap Mera Haath Pakdenge. To mai Jaanti Hu Ki chhahe Kuch bhi Ho Jaye
AAPMERAHAATHKABHINAHICHHODENGE..!!!!!!

Itssotouching!!!Itsastoryofeveryfamily;everysmallkidhasthesamestrongestfaithonhis/her
fatherthathis/herfatherwouldneverleavehim/heralone.Doesyourchildhavethesametrustand
faith in you??? What have you done to make sure that his/her faith will never be shattered;
irrespectiveofyouaretherewithhim/herornot???My3yearoldsonhasthesamefaithinme,and
to make sure his faith never gets shattered I have bought term plan. Start Planning for the bright
futureofyourfamily,bybuyingaTermInsurancetoday.

1/30/2013

THEINTELLIGENTWAYOFINVESTING

What Sounds Better???


WhatSoundsBetter???
ADDINGtoYourWealth?
10+3=13???

OR

SYSTEMETICINVESTMENTPLAN

MULTIPLYINGit?
10*3=30????

Human Life Cycle

PHASE II: The most challenging PHASE

Phase I

Phase II

Phase III
Retirement

Emergencies'????
Kid2s
Marriage

Rent,Electricity,Telephone
Childseducation,Childsmarriage

Kid1s
Marriage

AnnualHolidaywithfamily.

House
Kid2s
College

Car

Buildcapitalassets

Kid1s
College

Kid1

Meetcurrentrecurringexpenses

House;Car.

Kid2

DoYouWantto
CompromiseOnYour
LivingStandardafter
yourRetirement??

Marriage

Saving / Investing
0

Birth &
Education

25

60

Age

Retired Life

75+

Makeprovisionsfor
Retirement;Contingencies Illness,

Accidents,etc.

LetsSeeOtherMajorChallenges..!!

Working Life

Cost of livings

Kal Aaj Aur kal

1985
BalconyTicket:Rs15/

1985
HotelBill:Rs100/

1985
PetrolPrice:Rs8/L

1985
MBACourse:40,000/

2010
BalconyTicket:Rs250/
InflationMeter:12.43%
2010
HotelBill:Rs1250/
InflationMeter:11.10%
2010
PetrolPrice:Rs55/L
InflationMeter:8.40%

2010
MBACourse:10,00,000/
InflationMeter:14.35%

LuxuriesORNecessities?????
LivingStandard
Item

Luxuriesin1985isNecessitiesToday
1985 2010

2020*

In1985

In2010

Toothpaste

55

165

LandlinePhone

1KgofSugar

40

116

Television

1KgofSalt

10

21

Motorcycle

1KgofOnions

20

56

Fan

1LiterofMilk

30

106

PostCard

EMail

LPGCylinder

56

350

813

NoteBook

Laptop

1LiterofPetrol

55

135

MobilePhone
LEDTV
Car
AirCondition

AndLotsofMore.!!!!

*AssumingInflationAccordingtoPast

1/30/2013

Some facts of future cost

Some facts of future cost

WhatistheAverageCostofChildEducation

Courses

2010

2025

Engineering

Rs.10Lac

Rs.24Lac

Medical

Rs.15Lac

Rs.36Lac

ForeignStudy

Rs.25Lac

Rs.60Lac

WhatistheAverageCostofChildMarriage
Expenses
of

Currentin
2010

Futurein
2030

Marriage

Rs.15Lac

Rs.48Lac

AreyouonRightTrackof
Investing..!!!

AreyouonRightTrackof
Investing..!!!

Some facts of future cost

Brief look at our future cost

RetirementPlanning

Retirementcorpusrequired
tomeetpostretirementexpenses.
(ifinvestedat7%)

MonthlyHouseholdExpenses

ChildEducation:After15Yrs
Engineering:Rs.24Lac
Medical:Rs.36Lac
ForeignStudy:Rs.60Lac

2.4crore

1,01,987

WeddingofChild:After20Yrs
Marriage:Rs.48Lac
AreyouonRightTrackofInvesting..!!!

Retirement:After21yrs
RetirementKitty:Rs.2.4Crores

30,000
Inflation6%

21Yrs
MorethenApprox3CroresYouNeedtoFullFillYourFutureCost

Atthetime
ofretirement

Today

Inflation robs your purchasing power

Impactofinflationonmonthly
expensesofRs.30,000today

96,214

Its Difficult to Invest

ValueofRs.100,000overtime

100,000
74,726

71 897
71,897
41,727
40,147

31,180

30,000

ReasontonotInvest
lotsofdatetodateexpensestoday..!!
WanttomaintainStandardofliving..!!
AlreadyPaidCar&HousingLoan..!!
Donthavespearmoneyforinvestments..!!
Don
Dontthavetimetoinvest..!!
have time to invest..!!
Letslivefirst,havelotsofyearstoinvest..!!
Don'tawarewheretoinvest..!!
Concernreturnsarehardlyworththeeffort..!!
Andthelistgoeson..!!!!

Today

5years

15years

20years

Today

Atinflationof6%
Investorsneedtobeatinflation

5years

15years

20years

ButletsseeanothersideofLife..
WeHaveLotsofNonIgnorableGoalsorSayLiabilitiesor
SayResponsibilities..LetsSeeit.

1/30/2013

The truth

How can you create wealth?

CreatingWealthisEasyWeCanallbeWealthy

3EASYSTEPSTOCREATEWEALTH
StartSavingEarly
Thelongeryousave,themoreyoumake

SaveintheRightAssetClass
Thiswilldictatehowmuchwealthyoucreate

SaveRegularly
Evenasmallamountsavedregularly,isgood

Start Saving Early

Start saving early Dont delay..!!!

JAY

VIJAY

Savings StartingAge

25years

40years

Savings MonthlySIP

Rs.5,000/

Rs.15,000/

SavingYearstillAge60

35years

20years

Rs.56lacs

Rs.61lacs

Rs.26crores
26

4.80crores
80

TotalAmountSaved(apprx.)
WealthatAge60years
lh
60

ValueinRslakh

Rs2000investedp.m.@20%tilltheageof60yrs

782
Just5yearsofdelay
reducesthewealth
byhalf!

JAY
Saveless&
EarnMore

313
125

VIJAY

25years 30years 35years 40years

Save in the right asset class

19

45years50years

25 years30 years35 years40 years45 years50 years


8.40

TIMINGTHEMARKETISNOTIMPORTANTGIVINGTIMEISIMPORTANT

49

7.20

6.00

4.80

3.60

2.40

AmountInvestedatRsLakh

From Age 25, Rs 2000amonth could deliver Rs 7.82 cr at age 60

Save in the right asset class

2012

18,600*

18.60Crores

Inpast 33yearsBSESensexhasgivenapprox.16.84%returns
Thisisinspiteof
Twowars
Atleastthreemajorfinancialscandals
USSubPrimeandRecession
Assassinationof2primeministers

*Ason31st July,2010

Atleast3recessionaryperiods
TwinTower9/11Attack
10differentgovernmentsand
Anunfairshareofnaturaldisasters

Riskfactors:MutualFundinvestmentsaresubjecttomarketrisks.Pastperformancemayormaynotberepeatedin
future.Pleasereadtheofferdocumentcarefullybeforeinvesting.

1/30/2013

Equities not risky in long-run (Performance of BSE Sensex)


Years
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33

YEAR END

SENSEX level

31-Mar-79
100
31-Mar-80
129
31-Mar-81
173
31-Mar-82
218
31-Mar-83
212
31-Mar-84
245
31-Mar-85
354
31-Mar-86
574
31-Mar-87
510
31-Mar-88
398
31-Mar-89
714
31-Mar-90
781
31-Mar-91
1168
31-Mar-92
4285
31-Mar-93
2281
31-Mar-94
3779
31-Mar-95
3261
31-Mar-96
3367
31-Mar-97
3361
31-Mar-98
3893
31-Mar-99
3740
31-Mar-00
5001
31-Mar-01
3604
31-Mar-02
3469
31-Mar-03
3049
31-Mar-04
5591
31-Mar-05
6493
31-Mar-06
11279
31-Mar-07
13072
31-Mar-08
15644
31-Mar-09
9708
31-Mar-10
17528
31-Mar-11
19445
31-Mar-12
17404
Probability of Loss

1 year

3 years

28.57%
34.90%
25.52%
-2.85%
15.99%
44.24%
62.24%
-11.10%
-21.94%
79.13%
9.45%
49.54%
266.88%
-46.78%
65.71%
-13.71%
3.24%
-0.17%
15.82%
-3.92%
33.73%
-27.93%
-3.75%
-12.12%
83.38%
16.14%
73.71%
15.90%
19.68%
-37.94%
80.55%
10.94%
-10.50%
(12/33)

29.61%
18.05%
12.25%
17.58%
39.49%
27.66%
4.03%
7.52%
15.24%
43.12%
81.76%
42.93%
47.90%
-8.70%
13.86%
-3.83%
6.08%
3.57%
14.17%
-2.53%
-2.47%
-15.21%
15.76%
23.23%
54.66%
32.73%
34.06%
-4.88%
10.27%
7.52%
21.48%
(6/31)

5 years

19.66%
22.44%
27.05%
18.58%
13.50%
23.81%
17.16%
15.26%
53.04%
41.76%
39.57%
33.09%
23.58%
-4.74%
11.29%
-0.21%
8.93%
1.37%
0.64%
-4.77%
8.37%
5.36%
25.63%
30.38%
38.69%
11.67%
21.97%
11.51%
5.89%
(3/29)

7 years

28.36%
21.77%
12.61%
18.48%
20.52%
24.97%
42.80%
21.78%
33.11%
35.03%
24.81%
23.18%
18.77%
-1.92%
11.87%
-0.67%
0.89%
-1.41%
7.54%
7.58%
17.08%
14.71%
23.33%
15.84%
28.39%
19.49%
15.13%
(3/27)

10 years

12 years

21.72%
19.77%
21.01%
34.71%
26.84%
31.45%
24.87%
19.35%
20.74%
25.60%
18.02%
20.40%
11.93%
-2.09%
2.95%
3.99%
7.13%
12.85%
14.55%
14.92%
10.01%
13.36%
18.36%
17.50%
(1/24)

22.73%
33.94%
23.95%
26.85%
25.60%
24.39%
20.63%
17.29%
18.05%
23.47%
14.45%
13.23%
8.32%
2.24%
9.11%
9.54%
12.27%
13.66%
9.24%
13.36%
14.73%
10.95%
(0/21)

15 years

CHALLENGESINVOLVEDINVESTING
DIRECTLYINCAPITALMARKET
Time
Expertise
LackofInformation
Portfolio
Volatility

OR

27.40%
24.05%
21.86%
20.02%
21.43%
19.92%
19.31%
13.03%
13.63%
14.53%
14.71%
15.16%
16.32%
7.72%
13.70%
6.49%
11.86%
12.40%
11.59%
(0/18)

PEOPLEDOCOMMON
MISTAKE.
BelievinginHotTips!!
MarketTiming
InvestingforaShortterm
ExpertRecommendation
Productorientedapproach
Decisionbasedonemotions
D ii b d
ti

Equity assets class through mutual funds

MutualFundisatrustthatpoolsthesavingsofanumberofinvestorswhosharea
commonfinancialgoal.Eachschemeofamutualfundcanhavedifferentcharacterand
objectives.Mutualfundsissueunitstotheinvestors,whichrepresentanequitable
rightintheassetsofthemutualfund.

ProfessionalManagement
g
Liquidity
PortfolioDiversification
ReductionofRisk
Flexibility
Transparency
ReductionofTransactionCosts
RegulatedBySEBI
Convenience
Taxbenefits

MFEquitySchemesperformedbetterthanIndex

No
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

PERFORMANCEOFRelianceGrowFundLUMSUM Equitiesnotriskyinlongrun
RollingReturns Growth
NAV
1year
3years
5years
7years
10years

YEAR
31Jul94
31Jul95
31Jul96
31Jul97
31Jul98
31 Jul 99
31Jul99
31Jul00
31Jul01
31Jul02
31Jul03
31Jul04
31Jul05
31Jul06
31Jul07
31Jul08
31Jul09
31Jul10
ProbabilityofLoss
ProbabilityofLoss(%)

10.10
13.39
12.33
20 22
20.22
25.80
18.52
27.58
43.75
76.19
150.69
193.62
324.13
317.47
351.49
465.91

32.57
7.92
63.99
63
99
27.60
28.22
48.92
58.63
74.15
97.78
28.49
67.41
2.05
10.72
32.55
3/14
21.43%

12years

Probabilityofloss
isNilfor3and
moreyears
26 03
26.03
24.44
14.52
10.90
19.25
60.23
76.13
64.18
62.03
28.20
21.99
12.86
0/12
0.00%

12.89
15.55
28.83
30.38
42.33
59.90
63.69
48.64
35.77
25.33
0/10
0.00%

23.30
28.20
42.99
38.09
43.55
50.07
43.85
40.20
0/8
0.00%

34.36
37.53
38.38
33.05
33.56
0/5
0.00%

33.29
31.30
35.35
0/3
0.00%

Save regularly
MFEquitySchemesperformedbetterthanIndex
PERFORMANCEOFFranklinIndiaBluechip FundLumsum Equitiesnotriskyinlongrun
RollingReturns Growth
Nos

YEAR

NAV

31Jul94

17.48

31Jul95

18.47

5.66

13.75

25.55

31Jul96

1year

3years

5years

7years

10years

Probabilityofloss
isNilfor5and
moreyears

31Jul97

16.76

21.86

1.40

31Jul98

21.59

28.85

5.34

31Jul99
31
Jul 99

36 19
36.19

67 61
67.61

38 06
38.06

31Jul00

64.89

79.33

57.04

28.57

31Jul01

54.79

15.57

36.40

31.85

17.73

31Jul02

61.47

12.21

19.32

29.69

18.74

15 66
15.66

MakeyouHabittoDisciplinedRegularInvestor

31Jul03

87.54

42.39

10.49

32.31

30.27

31Jul04

143.74

64.21

37.92

31.77

35.94

23.45

11

31Jul05

211.61

47.22

50.99

26.67

38.55

27.62

12

31Jul06

294.02

38.94

49.76

39.94

34.89

13

31Jul07

437.46

48.78

44.92

48.06

31.34

38.57

30.18

14

31Jul08

385.49

11.88

22.13

34.51

32.14

33.41

32.02

15

31Jul09

466.50

21.01

16.63

26.55

33.58

29.13

31.94

16

31Jul10

583.58

10.08

22.49

SimilartoRegularSavingSchemeLikeaRecurring
Deposit

DisciplinedInvestingthroughSystematic
InvestmentPlans(SIPs)istheidealwayto
reducerisk.

10

25.10

InvestingafixedSum,RegularlyinMutualFund
CalledSystematicInvestmentPlan(SIP)

12years

31.13

35.83

24.56

26.52

31.62

ProbabilityofLoss

3/16

1/14

0/12

0/10

0/7

0/5

ProbabilityofLoss(%)

18.75%

7.14%

0.00%

0.00%

0.00%

0.00%

TripleBenefitsofInvestingRegularly
RupeeCostAveraging
AutomaticMarketTiming
PowerofCompounding

1/30/2013

Save regularly

SAVE REGULARLY

GiveTimeratherthanTimingtheEquitymarket

RupeeCostAveraging

AveragePurchasecost
willbeless

AutomaticTiming

Athigherprices lessunits
Atlowerprices moreunits

Amount

Month
1
2
3
4
Total

Invested
1000
1000
1000
1000
4000
Avg PurchasePrices

RisingMarket
NAV
10
12
14
16
52

AvgCostPerUnit

FallingMarket

Units
100.00
83.33
71.43
62.50
317.26

NAV
10
8
6
4
28

InvestingintheBSESensex 25years
16.90%

Units
100.00
125.00
166.67
250.00
641.67

NAV
10
12
8
10
40

Units
100.00
83.33
125.00
100.00
408.33

13

10

12.61

6.23

9.80

Fixedinvestmentat
highestsensexvalue
everyyear

Markethitahighof5933
inFeb2000
Marketcrashedtolowsof
2600onSep2001
Ittookalmost4yearsfor
themarkettoscaleback
thelevelof5930inFeb
the
level of 5930 in Feb
2004.

CaseStudy 2
Case1

Markethitahighof20873
inJan2008
Marketcrashedtolowsof
8160onMarch2009,
CurrentlyMarketat17868
onJuly2010after2.5
years.

SIP - The best way for Investment

Markettimingdoesnotmatteroverthelongterm

Sensex Feb2000 5933

8160
17868

SIPofRs.2000STARTEDINFeb
2000

Sensex Sep2001 2600


Sensex Feb2004 5932

Stoppedandwithdrawn
(Panic Investor)

Stoppedbutinvested
(Confused Investor)

Case1
SchemeName
RelianceGrowth

SIPcontinued
(SmartInvestor)
(Smart
Investor)

Case2

Amt valuein Abs


invested sep01 return

Amt
Valuein
invested feb 2004

40000

26409

33.98%

40000

DSPBREquity

40000

24100

39.75%

HDFCEquity

40000

29480

26.30%

Case3
Abs
return

Amt Valuein
invested feb 2004

Abs
return

123207 208.02%

98000

266308 171.74%

40000

73906

84.77%

98000

192629

40000

108574 171.44%

98000

233800 138.57%

96.56%

FranklinBluechip

40000

25388

36.53%

40000

92494

131.24%

98000

217687 122.13%

ICICITechnologyfund

40000

16847

57.88%

40000

44256

10.64%

98000

140098

42.96%

BirlaNewMillennium

40000

14462

63.85%

40000

42823

7.06%

98000

134243

36.98%

SIP - The best way for Investment

20873

Sensex July2010

Fixedinvestmenton
1st dayofeverymonth

CaseStudy 1

Case2

Sensex March2009

Fixedinvestmentat
lowestsensexvalue
everyyear

SIP - The best way for Investment

LetsseehowdidtheSIPinvestorsfareinpass
tworealMarketscenarios.

SchemeName

Systematic
regular
investormake
Money

VolatileMarket

SIP - The best way for Investment

Sensex Jan2008

16.02%

15.07%

SIPofRs.2000STARTEDIN
JAN2008

Stoppedandwithdrawn
(Panik Investor)

Stoppedbutinvested
(ConfusedInvestor)

Case1

Case2

SIPcontinued
(SmartInvestor)

Sensex Sep2001

2600

Sensex March2009

8160

StartedNew
SIPatmarket
Decline SensexFeb2004

5932

SensexJuly2010

17868

SIPstarterd insep2001
SIPEndedinFeb2004

Case3

Valuein
Amt
March
Abs
Amt Valuein Abs
invested
return invested July2010 return
2009

Valuein
Amt
July
Abs
invested 2010 return

Scheme
Name

Amtinvested

valuein
sep01

Absreturn

SIPstartedinMarch2009
SIPEndedinJuly2010

Amtinvested

Valuein
Feb
Abs
2004 return

RelianceGrowth

30000

20224

32.59% 30000

50912

69.71%

62000

91322 47.29%

DSPBREquity

30000

22136

26.21% 30000

50187

67.29%

62000

90647 46.20%

RelianceGrowth

60000

151379

152.30%

34000

45445 33.66%

HDFCEquity

30000

20370

32.10% 30000

57312

91.04%

62000

100013 61.31%

DSPBREquity

60000

124727

107.88%

34000

44995 32.34%

FranklinBluechip

30000

21458

28.47% 30000

48644

62.15%

62000

87580 41.26%

ICICIinfrastructure

30000

21197

29.34% 30000

41466

38.22%

62000

78080 25.94%

HDFCEquity

60000

131676

119.46%

34000

48327 42.14%

TATAInfrastructure

30000

19416

35.28% 30000

42171

40.57%

62000

79790 28.69%

FranklinBluechip

60000

132012

120.02%

34000

43469 27.85%

1/30/2013

Scheme

Rs.1000/ pmSIP

RelianceGrowth Growth
FranklinIndiaBluechip Growth
HDFCEquityFund Growth
RelianceVision Growth
FranklinIndiaPrimaPlus Growth
FranklinIndiaPrimaFund Growth
HDFCPrudenceFund Growth
SBIMagnumTaxGainScheme93 Growth
BirlaSunLife95 Growth
HDFCCapitalBuilderFund Growth
ICICIPrudentialPower Growth
BirlaSunLifeMNCFund Growth
SBIMagnumGlobalFund94 Growth
TataEquityOpportunitiesFund Growth
BirlaSunLifeAdvantageFund Growth
T
TaurusStarshareFund
St h
F d Growth
G
th
SBIMagnumMultiplierPlus93 Growth
TataBalancedFund Growth
SBIMagnumEquityFund Growth
SBIMagnumBalancedFund Growth
MorganStanleyGrowthFund Growth
TaurusBonanzaFund Growth
UTIEquityFund Growth
UTIBalancedFund Growth
CanaraRobecoBalance Growth
UTITop100Fund Growth
UTIMasterplusUnitScheme91 Growth
UTIMastershare Growth
JMBalanced Growth
JMEquity Growth
TaurusDiscoveryFund Growth

180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000

PresentValue
2745820
2644852
2516149
1846946
1822159
1757302
1671675
1509485
1482358
1318925
1220266
519191
1159726
1144738
1087407
1056055
1017018
944946
944437
928019
836436
820994
808440
801584
719427
691756
674965
663917
556689
512367
425628

IRRfor15
Years

ProfitSIP

31.98
31.56
30.99
27.50
27.35
26.94
26.38
25.45
25.02
23.70
22.83
22.72
22.46
22.41
21.52
21 20
21.20
20.96
19.93
19.93
19.73
18.55
18.34
18.16
18.07
16.83
16.38
16.09
15.91
13.87
12.90
11.09

2565820
2464852
2336149
1666946
1642159
1577302
1491675
1329485
1302358
1138925
1040266
339191
979726
964738
907407
876055
837018
764946
764437
748019
656436
640994
628440
621584
539427
511756
494965
483917
376689
332367
245628

EYE OPENER PERFORMANCE SNAPSHOT

SUMMARYOFPERFORMANCEOFSIPINMUTUALFUNDS.

EYEOPENERPERFORMANCEOFSIPOFEQUITYBASEDMUTUALFUNDS
TOTALNUMBEROFSCHEME
31
SCHEMESWITHMORETHAN25%RETURN
9
SCHEMESWITHMORETHAN20%RETURN

17

SCHEMESWITHMORETHAN15%RETURN
HIGHESTRETURN
LOWESTRETURN
AVERATERETURN

28
31.98%
11.09%
21.51%

Ason2012011.PASTPERFORMANCEMAYORMAYNOTSUSTAIN.

SIP - 8TH Wonder of the World

SIP Power of Compounding

SmartwaytoinvestandSimpleWaytogetRich..!!!!
BullandbearmarketcyclesarenatureofEquitymarketsandaregoingto

continueinfuturealso.

ILLUSTRATION

SIPisnothingbutjustaveragingyourUnitpriceorAutomaticTimingof
Market.Itsscienceormethodorart!!!!!
Slow&Steady,Regular&PunctualInvestorsCreateWealthOverPeriod
Sl
& St d R l & P t l I
t
C t W lth O
P i d
oftimethrowSIP

Rs1000Investedeverymonthindifferentassetclass

Tenure

5Years

15Years

25Year

35Year

45Years

55Years

IInvested
d
Amount

60,000

180,000

300,000

420,000

540,000

660,000

Returns%

ItisthesmallinvestmentlikeadropofwaterthatCreateWealthlike
Ocean.

8%

73,414 339,778 914,839 2,156,353 4,836,687 10,623,329

Weearnregularly:Wespendregularly

12%

81,104 475,931 1,702,207 5,510,831 17,339,841 54,078,950

Shouldn'twealsoinvestregularly???

18%

94,009 801,110 4,501,956 23,871,580125,249,002655,841,758

SIP Power of Compounding

Helping you achieve your goals in life

HowMuchMonthlyInvestmentNeedtoAchieveYourGoal

700000000

ChildEducation:After15Yrs

600000000
500000000
400000000

8%

300000000

12%
18%

200000000

Engineering:Rs.24Lac
Medical:Rs.36Lac
ForeignStudy:Rs.60Lac

@18%
Rs.2,996
Rs.4,494
Rs.7,490

Rs.8,382

Rs.2,491

Rs.38,036

Rs.10,495

WeddingofChild:After20Yrs
Marriage:Rs.48Lac

100000000

@8%
Rs.7,063
Rs.10,595
Rs.17,659

Retirement:After21yrs

0
15Year

25Year

35Year

45Year

55Year

Wedonotneedtobewealthytobeaninvestor
Butwecanbewealthyifweareinvestors

RetirementKitty:Rs.2.4Crores

NotInvestingintoEquityismoreRiskythen
Investinginto!!!!!!

InvestingThesemuch
Amountnotpossible

1/30/2013

LETSINVESTSYSTEMATICALLY
FORTHESMOOTHANDWORRYFREELIFE

THANK YOU
THANKYOU

www.prudentcorporate.com

SIP for 1 Yr
Invt amt 12000
Start Date : 01.02.12
End Date : 01.01.13

EQUITY FUNDS SYSTEMATIC INVESTMENT PLAN


PERFORMANCE AND DETAILS AS ON 15th January 2013
Scheme

Minimum Invt

SIP for 3 Yr
Invt amt 36000
Start Date : 01.02.10
End Date : 01.01.13

Present
Yield % Rank
Value
61.57 15061.36
55.41
1
12.62 14538.05
45.34
3

Present
Yield % Rank
Value
52155.97
26.34
1
47215.34
18.93
2

Present
Yield % Rank
Value
117562.62
27.70
1

Exit Load

STP Dates

SIP Dates

SBI Magnum Sector Umbrella - Emerging Busine


500
Fortis Mid Cap Fund
500 (Min 12 Instal)

1% (1 yr)
1% (1 yr)

Any Date
1,7,15,25

5, 10, 15, 20, 25, 30


1,7,15,25

Reliance Equity Opportunities Fund

1% (1 yr)

Weekly (1,8,15,22) Mthly & Qtly (Any Date)


Fortnightly(1,15)

2 , 10 , 18 , 28

Daily (Any Date)


Monthly (1,10,20) Weekly
(7,14,21,28) Fortnighlty (1,16)

Monthly (Any Date) Weekly (7,14,21,28)


Fortnighlty (1,16)

40.50

14106.75

37.26

16

45319.11

15.96

100275.82

20.98

Last day of the Month & Every Monday

59.47
262.67
69.36
334.60
30.58
27.83
14.99
23.79
26.68
159.72
102.33
259.57
32.47
17.02
20.41

14157.17
13377.60
14070.35
14397.93
14370.88
14662.06
14359.37
14142.40
14029.17
13753.03
14200.06
13872.66
13374.17
14129.58
14042.63

38.20
23.93
36.62
42.70
42.19
47.75
41.98
37.92
35.82
30.74
39.00
32.94
23.87
37.73
36.07

12
70
18
4
5
2
6
13
22
40
11
27
71
14
20

45132.66
44976.77
44736.01
44723.28
44624.35
44543.55
43693.37
43639.54
43594.95
43492.27
43356.91
43286.09
43265.54
43107.41
43097.06

15.66
15.41
15.04
15.01
14.85
14.73
13.34
13.25
13.18
13.01
12.79
12.68
12.64
12.39
12.37

5
6
7
8
9
10
11
12
13
14
15
16
17
18
19

104655.39
102436.70
95064.52
93576.54
91517.09
86325.68

22.77
21.87
18.76
18.10
17.17
14.76

2
4
6
7
9
23

Mthly & Qtly (1,7,15,25)


Any Date
1, 7 , 14 , 21, 28

7,10,15,25
1, 7 , 10 , 14, 20, 21, 28
5, 10, 15, 20, 25, 30
1 , 7 , 10 , 20, 25
1,7,14,21,25
5, 10, 15, 20, 25, 30
1 , 7 , 10 , 20, 25
1 , 7 , 10 , 20, 25
1, 7 , 10 , 14, 20, 21, 28
7,10,15,25
1, 7 , 10 , 14, 20, 21, 28
1 , 7 , 10 , 20, 25
1,7,15,25
5, 10, 15, 20, 25, 30
1, 7 , 14 , 21, 28

85811.09
85081.31
87635.72
86878.73
90954.39

14.51
14.16
15.38
15.02
16.92

30
15
19
11

1% (1 yr)

1,10,15,27

1,10,15,27

24.55

14224.15

39.45

10

43035.75

12.27

20

85714.17

14.47

28

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)

Mthly & Qtly (1,7,15,25)


1,5,15,25

1,7,15,25
1,5,15,25
1 , 7 , 10 , 20, 25
1,7,14,20,25

63.64
59.01
37.01
174.05

13591.65
14283.47
14069.08
13805.93

27.80
40.56
36.56
31.71

54
7
19
33

42883.11
42788.59
42746.48
42554.17

12.01
11.86
11.79
11.47

21
22
23
24

87415.98
78475.56
87243.83
91434.17

15.28
10.85
15.20
17.14

17
52
18
10

100 (Min 60 Instal)

IDFC Premier Equity Fund

2000 (Min 6 Instal)

1% (1 yr)

ICICI Prudential Discovery Fund


Birla Sun Life MNC Fund
SBI Magnum Global Fund 94
Franklin India Prima Fund
Kotak Midcap Fund
SBI Magnum Midcap Fund
Franklin India High Growth Companies
Templeton India Equity Income Fund
Birla Sun Life Top 100 Fund
ICICI Prudential Infrastructure Fund
Birla Sun Life Frontline Equity Fund
Franklin India Prima Plus
UTI Thematic Mid Cap Fund
SBI Magnum Bluechip Fund
DSP BlackRock Small and Midcap Fund

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
0.50% (7 days)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)

UTI Equity Fund


PRINCIPAL Growth Fund
Franklin India Flexi Cap Fund
Sundaram BNP Paribas Select Midcap

1000
1000
500
500 or 1000
1000
500
500 or 1000
500 or 1000
1000
1000
1000
500 or 1000
500
500
500
1000 (monthly) &
3000 (Quarterly)
500
500
500 or 1000
250 (Monthly)

Reliance RSF - Equity

100 (Min 60 Instal)

ING Midcap Fund

UTI Opportunities Fund


ICICI Prudential Dynamic Plan
Birla Sun Life Dividend Yield Plus
Franklin India Bluechip

500
1000
1000
500 or 1000

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)

1, 7 , 10 , 14, 20, 21, 28


Any Date
Weekly(7,14,21,28) & Monthly (Any Date)

1,7,14,21,25
Any Date
Weekly(7,14,21,28) & Monthly (Any Date)
Weekly(7,14,21,28) Monthly (Any Date)

1, 7 , 10 , 14, 20, 21, 28


Last day of the Month & Every Monday

1, 7 , 10 , 14, 20, 21, 28


Weekly(7,14,21,28) & Monthly (Any Date)

Weekly(7,14,21,28) & Monthly (Any Date)

1,7,14,20,25
Weekly (1,8,15,22) Mthly & Qtly (Any Date)
Fortnightly(1,15)

Mthly & Qtly (1,7,15,25)


Last day of the Month & Every Monday

1, 7 , 10 , 14, 20, 21, 28


Weekly(7,14,21,28) & Monthly (Any Date)
Monthly (1 ,7,10,20,28)
Weekly (Every Friday)

Nav

SIP for 10 Yr
Invt amt 120000
Start Date : 01.02.03
End Date : 01.01.13

SIP for 5 Yr
Invt amt 60000
Start Date : 01.02.08
End Date : 01.01.13

45.13

14108.20

37.29

15

45995.58

17.03

103691.08

22.38

Present
Value

Yield % Rank

344917.86
403221.00
310382.64

20.17
23.07
18.20

9
1
18

341216.35

19.97

10

303749.07

17.80

20

2 , 10 , 18 , 28

34.42

14242.84

39.79

42517.87

11.41

25

86536.62

14.86

1,7,15,25
7,10,15,25
1, 7 , 10 , 14, 20, 21, 28
1 , 7 , 10 , 20, 25

36.35
121.09
96.88
244.05

13849.03
13559.28
13582.33
13617.50

32.50
27.21
27.63
28.27

31
59
56
48

42277.68
42273.53
42205.85
42185.84

11.01
11.01
10.89
10.86

26
26
28
29

89419.90
86738.38
92965.37
86165.64

16.21
14.96
17.82
14.68

13
20
8
24

326380.17

19.14

12

1 , 7 , 10 , 20

49.75

13704.44

29.85

45

42163.41

10.82

30

83734.29

13.51

36

269266.15

15.55

27

75.37

13598.82

27.93

52

42117.05

10.74

31

86539.55

14.86

21

308174.19

18.07

19

345657.01
374167.16
317488.10

20.21
21.68
18.62

8
4
14

291192.12
373659.86

17.01
21.66

24
5

Tata Growth Fund

500 (Min 12 Instal)

1% (1 yr)

Tata Select Equity Fund - Appr

500 (Min 12 Instal)

1% (1 yr)

Monthly (1 ,7,10,20,28)
Weekly (Every Friday)

1 , 7 , 10 , 20

1000 (Min 6 Instal)

1% (1 yr)

Daily (Any Date)


Monthly (1,10,20) Weekly
(7,14,21,28) Fortnighlty (1,16)

Monthly (Any Date) Weekly (7,14,21,28)


Fortnighlty (1,16)

23.20

14272.61

40.35

42102.78

10.72

32

77815.08

10.50

53

500
500
500
500
1000
500
500
1000

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)

1, 5,10 , 15 ,20, 25
1, 5,10 , 15 ,20, 25
Any Date
1, 7 , 14 , 21, 28

1, 5,10 , 15 ,20, 25
1, 5,10 , 15 ,20, 25
5, 10, 15, 20, 25, 30
1, 7 , 14 , 21, 28
7,10,15,25
1, 5,10 , 15 ,20, 25
1,5,15,25
1,7,14,21,25

97.70
233.88
49.38
113.48
124.37
302.82
31.44
51.29

13617.33
13792.40
13602.16
13526.05
13819.52
13796.63
13773.97
13753.11

28.27
31.46
28.02
26.61
31.96
31.54
31.13
30.74

48
35
50
61
32
34
36
40

42051.92
42027.70
41975.60
41894.22
41709.31
41667.79
41553.47
41486.81

10.64
10.60
10.52
10.37
10.06
9.99
9.80
9.69

33
34
35
36
37
38
39
40

85639.67
87494.06
84052.09
82873.85
82174.01
90100.46

14.43
15.31
13.66
13.08
12.73
16.53

29
16
33
39
41
12

80719.53

12.00

45

Weekly (1,8,15,22) Mthly & Qtly (Any Date)


Fortnightly(1,15)

2 , 10 , 18 , 28

511.98

13933.22

34.05

25

41454.32

9.63

41

83250.70

13.27

38

397341.98

22.80

1,7,14,21,25

1,7,14,21,25

114.20

13759.34

30.86

37

41438.15

9.61

42

78702.51

10.97

51

302938.90

17.75

21

IDFC Classic Equity Fund


HDFC Growth Fund
HDFC Top 200
SBI Magnum Equity Fund
DSP BlackRock Top 100 Equity Fund
ICICI Prudential Power
HDFC Equity Fund
Principal Large Cap Fund
Kotak Opportunities Fund
Reliance Growth
Kotak 30
Tata Equity Opportunities Fund
Templeton India Growth Fund
DSP BlackRock Opportunities Fund
HDFC Capital Builder Fund
Tata Pure Equity Fund
DSP BlackRock Equity Fund - Dividend

100 (Min 60 Instal)


1000
500 (Min 12 Instal)
500 or 1000
500
500
500 (Min 12 Instal)
500

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)

Last day of the Month & Every Monday

1, 5,10 , 15 ,20, 25
1,5,15,25
1,7,14,21,25

Monthly (1 ,7,10,20,28)
Weekly (Every Friday)

1 , 7 , 10 , 20

90.91

13595.18

27.87

53

41420.88

9.58

43

80629.53

11.96

46

300677.34

17.61

22

1 , 7 , 10 , 20, 25
1, 7 , 14 , 21, 28
1, 5,10 , 15 ,20, 25

129.26
93.06
120.61

13940.77
14035.84
13538.58

34.19
35.94
26.84

24
21
60

41260.83
41229.13
41198.57

9.31
9.25
9.20

44
45
46

83739.15
82325.37
86093.73

13.51
12.81
14.65

36
40
25

312148.37
314627.55
328569.76

18.31
18.45
19.26

17
15
11

Monthly (1 ,7,10,20,28)
Weekly (Every Friday)

1 , 7 , 10 , 20

109.96

13423.54

24.76

67

41189.72

9.19

47

81739.33

12.52

43

323000.54

18.94

13

1, 7 , 14 , 21, 28

1, 7 , 14 , 21, 28

51.50

13567.23

27.36

57

41160.81

9.14

48

83977.87

13.62

34

376305.87

21.79

76664.13
79192.71
84811.39

9.89
11.22
14.03

56
49
31

312808.52

18.35

16

Weekly(7,14,21,28) Monthly (Any Date)

1, 7 , 14 , 21, 28
1, 5,10 , 15 ,20, 25

Reliance Equity Fund

100 (Min 60 Instal)

1% (1 yr)

Weekly (1,8,15,22) Mthly & Qtly (Any Date)


Fortnightly(1,15)

2 , 10 , 18 , 28

15.54

14072.82

36.63

17

41098.96

9.03

49

UTI Leadership Equity Fund


Morgan Stanley A.C.E Fund
HSBC India Opportunities Fund
Birla Sun Life Equity Fund
Birla Sun Life Mid Cap Fund

500
500 or 1000
1000 (Min 12 Instal)
1000
1000

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)

Mthly & Qtly (1,7,15,25)


1,5,10,15,20,25
3 , 10 , 17 , 26, 30
1, 7 , 10 , 14, 20, 21, 28
1, 7 , 10 , 14, 20, 21, 28

1,7,15,25
1,5,10,15,20,25
3 , 10 , 17 , 26, 30
1, 7 , 10 , 14, 20, 21, 28
1, 7 , 10 , 14, 20, 21, 28

16.93
16.11
38.78
283.34
120.14

13721.26
13854.10
13329.52
14007.59
13759.44

30.16
32.59
23.07
35.42
30.86

44
29
74
23
37

41048.45
41035.51
40980.54
40977.96
40945.02

8.95
8.92
8.83
8.83
8.77

50
51
52
52
54

SIP for 1 Yr
Invt amt 12000
Start Date : 01.02.12
End Date : 01.01.13

EQUITY FUNDS SYSTEMATIC INVESTMENT PLAN


PERFORMANCE AND DETAILS AS ON 15th January 2013

SIP for 3 Yr
Invt amt 36000
Start Date : 01.02.10
End Date : 01.01.13

Minimum Invt

Exit Load

STP Dates

SIP Dates

Religare Growth Fund


UTI Dividend Yield Fund
L&T Midcap Fund
Fidelity Equity Fund
SBI Magnum Sector Umbrella - Contra
UTI Top 100 Fund
JPMorgan India Equity Fund
Sundaram BNP Paribas SMILE Fund
SBI Magnum Multiplier Plus 93
UTI Mastershare
SBI Magnum Multi Cap Fund
UTI Master Value Fund
Franklin India Opportunity Fund
Sundaram BNP Paribas Growth Fund
AIG India Equity Fund
ICICI Prudential Growth Plan - Cumulative
HSBC Equity Fund
Birla Sun Life Advantage Fund
DSP BlackRock India Tiger Fund
Sundaram BNP Paribas Select Focus
HDFC Premier Multi - Cap Fund

500 (Min 12 Instal)


500
1000 (Min 6 Instal)
500
500
500
1000
250 (Monthly)
500
500
500
500
500 or 1000
250 (Monthly)
1000
1000
1000 (Min 12 Instal)
1000
500
250 (Monthly)
500

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (2yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
0.50% (7 days)
1% (1 yr)
1% (1 yr)
1% (1 yr)

3,10,15,20,25
Mthly & Qtly (1,7,15,25)
5, 15, 25
Any Date
Any Date
Mthly & Qtly (1,7,15,25)
1,10,15,25
1,7,14,20,25
Any Date
Mthly & Qtly (1,7,15,25)
Any Date
Mthly & Qtly (1,7,15,25)

3,10,15,20,25
1,7,15,25
5, 15, 25, 30
1,10,15,25
5, 10, 15, 20, 25, 30
1,7,15,25
1,10,15,25
1,7,14,20,25
5, 10, 15, 20, 25, 30
1,7,15,25
5, 10, 15, 20, 25, 30
1,7,15,25
1 , 7 , 10 , 20, 25
1,7,14,20,25
1,7,14,21
7,10,15,25
3 , 10 , 17 , 26, 30
1, 7 , 10 , 14, 20, 21, 28
1, 7 , 14 , 21, 28
1,7,14,20,25
1, 5,10 , 15 ,20, 25

14.04
35.39
43.10
38.56
60.80
31.64
14.44
34.54
88.71
58.61
19.11
56.38
33.77
98.54
13.66
34.91
109.23
164.97
47.24
91.81
29.70

Present
Yield % Rank
Value
13518.88
26.48
62
13345.26
23.35
73
13632.03
28.53
47
13349.59
23.43
72
13910.64
33.67
26
13240.46
21.48
77
13390.26
24.16
69
13859.05
32.69
28
13442.57
25.13
65
13295.78
22.47
76
13751.92
30.75
39
13503.84
26.21
63
13601.51
27.98
51
13639.24
28.67
46
13073.69
18.51
79
13588.40
27.74
55
13463.78
25.49
64
13743.50
30.57
43
13851.98
32.56
30
13434.93
24.97
66
13313.27
22.78
75

Reliance Vision

100 (Min 60 Instal)

HSBC Midcap Equity Fund


Birla Sun Life Infrastructure Fund
ICICI Prudential Emerging STAR Fund

1000 (Min 12 Instal)


1000
1000

Tata Infrastructure Fund

500 (Min 12 Instal)

Scheme

UTI Energy Fund


Reliance Diversified Power Fund
Sundaram BNP Paribas CAPEX Opportunities F

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)

Weekly(7,14,21,28) & Monthly (Any Date)

1,7,14,20,25
1,7,14,21
Last day of the Month & Every Monday

3 , 10 , 17 , 26, 30
1, 7 , 10 , 14, 20, 21, 28
1, 7 , 14 , 21, 28
1,7,14,20,25
1, 5,10 , 15 ,20, 25
Weekly (1,8,15,22) Mthly & Qtly (Any Date)
Fortnightly(1,15)

3 , 10 , 17 , 26, 30
1, 7 , 10 , 14, 20, 21, 28
Last day of the Month & Every Monday
Monthly (1 ,7,10,20,28)
Weekly (Every Friday)

Nav

SIP for 10 Yr
Invt amt 120000
Start Date : 01.02.03
End Date : 01.01.13

SIP for 5 Yr
Invt amt 60000
Start Date : 01.02.08
End Date : 01.01.13

Present
Yield % Rank
Value
40914.91
8.72
55
40904.81
8.70
56
40767.64
8.47
57
40757.51
8.45
58
40699.74
8.36
59
40698.86
8.35
60
40649.46
8.27
61
40570.47
8.13
62
40542.61
8.09
63
40501.65
8.01
64
40495.69
8.01
64
40465.97
7.95
66
40437.12
7.90
67
40307.78
7.68
68
40199.44
7.50
69
40099.84
7.32
70
39989.51
7.13
71
39802.41
6.81
72
39489.50
6.27
73
39238.39
5.83
74
39004.03
5.42
75

Present
Value

Yield % Rank

85770.18
84632.32
83938.66
77504.71
77044.80

14.49
13.94
13.61
10.34
10.10

27
32
35
54
55

82024.04
80210.41
78887.66
74926.36
88327.07
75665.49
76105.87

12.66
11.74
11.06
8.96
15.71
9.36
9.60

42
47
50
61
14
59
57

79696.99
74005.83
75950.55
72998.67
72455.93
80911.20

11.48
8.46
9.51
7.90
7.60
12.10

48
62
58
63
64
44

2 , 10 , 18 , 28

275.63

13097.55

18.93

78

38667.33

4.82

76

75386.40

9.21

60

3 , 10 , 17 , 26, 30
1, 7 , 10 , 14, 20, 21, 28
7,10,15,25

21.06
16.32
28.42

13752.67
13567.65
13412.05

30.74
27.36
24.55

40
57
68

38571.45
37926.51
37512.04

4.65
3.51
2.76

77
78
79

71533.99

7.08

65

67716.28

4.86

66

1 , 7 , 10 , 20

29.66

12724.54

12.38

81

35159.62

-1.57

80

63262.81

2.12

67

500

1% (1 yr)

Mthly & Qtly (1,7,15,25)

1,7,15,25

9.69

12658.67

11.23

82

34541.19

-2.74

81

61555.88

1.03

68

100 (Min 60 Instal)

1% (1 yr)

Weekly (1,8,15,22) Mthly & Qtly (Any Date)


Fortnightly(1,15)

2 , 10 , 18 , 28

59.72

12963.24

16.56

80

33369.83

-5.00

82

59442.31

-0.37

69

-2.05

70

Present
Value

Yield % Rank

366599.73
241593.01

21.30
13.51

6
31

350526.57
256988.39

20.47
14.67

7
29

282357.97
256495.42
260255.63

16.43
14.63
14.91

26
30
28

299757.74

17.55

23

238938.89

13.30

32

286699.63

16.72

25

145449.05

3.80

33

250 (Monthly)

1% (1 yr)

1,7,14,20,25

1,7,14,20,25

18.13

12266.46

4.50

83

31728.81

-8.25

83

56998.52

Baroda Pioneer ELSS 96


Birla Sun Life Tax Plan - Growth
Birla Sun Life Tax Relief 96 - Dividend
Canara Robeco Equity Taxsaver - Dividend
DSP BlackRock Tax Saver Fund - Growth
DWS Tax Saving Fund - Growth
Escorts Tax Plan - Growth
Fidelity Tax Advantage Fund - Growth
Fortis Tax Advantage Plan - Growth
Franklin India Taxshield - Growth
HDFC Long Term Advantage Fund - Growth
HDFC Taxsaver - Growth
HSBC Tax Saver Equity Fund - Growth
ICICI Prudential Taxplan - Growth
ING Tax Saving Fund - Growth
Kotak Taxsaver - Growth
L&T Taxsaver Fund - Growth
LIC Tax Plan - Growth
Principal Personal Taxsaver
PRINCIPAL Tax Savings Fund

500
500
500
500
500
500
500
500
500 (Min 12 Instal)
500
500 or 1000
500
500 (Min 12 Instal)
500
500
500
500 (Min 12 Instal)
500
500
500

3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in

1, 7 , 10 , 14, 20, 21, 28


1, 7 , 10 , 14, 20, 21, 28
1, 7 , 10 , 14, 20, 21, 28
1,5,10,15,25
1,7,14,21,28
1,7,14,21
7,15,21,28
10
Any Date
1,7,10,20,25

1, 7 , 10 , 14, 20, 21, 28


1, 7 , 10 , 14, 20, 21, 28
1, 7 , 10 , 14, 20, 21, 28
1,5,10,15,25
1,7,14,21,28
1,7,14,21
7,15,21,28
1,10
1,10,15,25
1,7,10,20,25
1 , 7 , 10 , 20, 25
1,5,10,15,20,25
1,5,10,15,20,25
3 , 10 , 17 , 26, 30
7,10,15,25
1,10,15,27
1,7,14,21,25
15th of Every Mth
1,5,15,25
1,5,15,25

24.62
15.55
83.05
20.19
19.39
13.85
38.86
23.97
17.40
247.44
151.63
251.72
17.11
162.92
31.16
20.74
15.71
30.78
103.23
86.88

13417.27
13870.76
13891.09
13647.24
14117.89
13592.14
12598.60
13406.23
14072.02
13679.19
13523.90
13598.46
14144.63
13974.54
13405.35
13950.71
13192.04
13449.46
13792.04
14319.26

24.65
32.90
33.27
28.81
37.47
27.81
10.19
24.45
36.62
29.39
26.57
27.93
37.96
34.81
24.43
34.37
20.61
25.23
31.45
41.23

22
8
7
15
3
17
28
23
4
12
19
16
2
5
24
6
27
21
11
1

38938.73
42121.70
40414.19
42781.81
42755.98
38687.54
33361.02
40962.41
44666.89
43361.22
41505.66
40902.68
43373.77
43111.29
39726.20
42148.93
37977.98
39727.64
40776.91
43167.89

5.30
10.75
7.86
11.85
11.81
4.86
-5.01
8.80
14.92
12.80
9.72
8.70
12.82
12.39
6.68
10.80
3.60
6.68
8.48
12.48

25
10
21
7
8
26
28
18
1
4
15
19
2
6
23
9
27
23
20
5

73303.24

8.07

17

215401.86

11.34

14

78551.82
92750.75

10.89
17.73

13
1

256361.70
360056.46

14.62
20.97

10
2

57785.65

-1.50

19

160497.29

5.71

16

88980.91
85254.19
86328.57

16.01
14.25
14.76

4
6
5

325604.54

19.09

354168.49

20.66

92148.24
79396.06

17.46
11.32

2
12

351859.56

20.54

72783.24
77494.13
78555.03

7.78
10.33
10.89

18
15
13

185934.51
253070.11
247356.70

8.54
14.38
13.95

15
11
12

Reliance Tax Saver Fund - Growth

500 (Min 12 Instal)

3 Year Lock-in

Weekly (1,8,15,22) Mthly & Qtly (Any Date)


Fortnightly(1,15)

24.81

13672.23

29.27

13

43372.54

12.82

89757.06

16.37

Religare Tax Plan - Growth


Sahara Taxgain - Growth
SBI Magnum Tax Gain Scheme 93 - Dividend
Sundaram BNP Paribas Taxsaver -

500 (Min 12 Instal)


500
500

3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in

3,10,20
Any Date
1,7,14,20,25

20.06
41.25
37.39
49.44

13651.62
13268.39
13565.91
13827.02

28.89
21.98
27.36
32.10

14
26
18
9

42084.05
40980.46
41510.99
41937.49

10.69
8.83
9.74
10.44

11
17
14
12

84634.40
80176.48
80308.72

13.94
11.73
11.79

7
11
10

317037.62
389713.03
333769.17

18.60
22.44
19.55

7
1
5

Tata Tax Saving Fund

500 (Min 12 Instal)

3 Year Lock-in

Monthly (1 ,7,10,20,28)
Weekly (Every Friday)

ELSS Funds

Weekly(7,14,21,28) Monthly (Any Date)

1,5,10,15,20,25
1,5,10,15,20,25
3 , 10 , 17 , 26, 30
Last day of the Month & Every Monday

1,10,15,27
1,7,14,21
1,7,10,15
1,5,15,25
1,5,15,25

2,10,18,28
3,10,20
5 , 15 , 25
1,7,14,20,25

46.74 13481.79
25.81
20
41574.86
9.84
13
81868.60
12.58
9
267164.35
15.40
9
1 , 7 , 10 , 20
500
Taurus Taxshield - Growth
3 Year Lock-in
39.26 13805.14
31.69
10
41484.16
9.68
16
83295.92
13.29
8
285907.31
16.67
8
1,7,15,25
500
Mthly & Qtly (1,7,15,25)
42.68 13344.95
23.35
25
40040.46
7.22
22
76001.80
9.54
16
227086.17
12.34
13
UTI Equity Tax Savings Plan - Growth
3 Year Lock-in
Important Note : The information regarding Minmium Investment, Entry-Exit Load, SIP Dates and STP Dates mentioned in this report are updated based on the information provided by the respective AMCs. This information is subject to change and therefore before investing it is advisable
to confirm the same with the AMCs.

SIP for 1 Yr
Invt amt 12000
Start Date : 01.02.12
End Date : 01.01.13

EQUITY FUNDS SYSTEMATIC INVESTMENT PLAN


PERFORMANCE AND DETAILS AS ON 15th January 2013
Scheme

Minimum Invt

SIP for 3 Yr
Invt amt 36000
Start Date : 01.02.10
End Date : 01.01.13

Present
Yield % Rank
Value
61.57 15061.36
55.41
1
12.62 14538.05
45.34
3

Present
Yield % Rank
Value
52155.97
26.34
1
47215.34
18.93
2

Present
Yield % Rank
Value
117562.62
27.70
1

Exit Load

STP Dates

SIP Dates

SBI Magnum Sector Umbrella - Emerging Busine


500
Fortis Mid Cap Fund
500 (Min 12 Instal)

1% (1 yr)
1% (1 yr)

Any Date
1,7,15,25

5, 10, 15, 20, 25, 30


1,7,15,25

Reliance Equity Opportunities Fund

1% (1 yr)

Weekly (1,8,15,22) Mthly & Qtly (Any Date)


Fortnightly(1,15)

2 , 10 , 18 , 28

Daily (Any Date)


Monthly (1,10,20) Weekly
(7,14,21,28) Fortnighlty (1,16)

Monthly (Any Date) Weekly (7,14,21,28)


Fortnighlty (1,16)

40.50

14106.75

37.26

16

45319.11

15.96

100275.82

20.98

Last day of the Month & Every Monday

59.47
262.67
69.36
334.60
30.58
27.83
14.99
23.79
26.68
159.72
102.33
259.57
32.47
17.02
20.41

14157.17
13377.60
14070.35
14397.93
14370.88
14662.06
14359.37
14142.40
14029.17
13753.03
14200.06
13872.66
13374.17
14129.58
14042.63

38.20
23.93
36.62
42.70
42.19
47.75
41.98
37.92
35.82
30.74
39.00
32.94
23.87
37.73
36.07

12
70
18
4
5
2
6
13
22
40
11
27
71
14
20

45132.66
44976.77
44736.01
44723.28
44624.35
44543.55
43693.37
43639.54
43594.95
43492.27
43356.91
43286.09
43265.54
43107.41
43097.06

15.66
15.41
15.04
15.01
14.85
14.73
13.34
13.25
13.18
13.01
12.79
12.68
12.64
12.39
12.37

5
6
7
8
9
10
11
12
13
14
15
16
17
18
19

104655.39
102436.70
95064.52
93576.54
91517.09
86325.68

22.77
21.87
18.76
18.10
17.17
14.76

2
4
6
7
9
23

Mthly & Qtly (1,7,15,25)


Any Date
1, 7 , 14 , 21, 28

7,10,15,25
1, 7 , 10 , 14, 20, 21, 28
5, 10, 15, 20, 25, 30
1 , 7 , 10 , 20, 25
1,7,14,21,25
5, 10, 15, 20, 25, 30
1 , 7 , 10 , 20, 25
1 , 7 , 10 , 20, 25
1, 7 , 10 , 14, 20, 21, 28
7,10,15,25
1, 7 , 10 , 14, 20, 21, 28
1 , 7 , 10 , 20, 25
1,7,15,25
5, 10, 15, 20, 25, 30
1, 7 , 14 , 21, 28

85811.09
85081.31
87635.72
86878.73
90954.39

14.51
14.16
15.38
15.02
16.92

30
15
19
11

1% (1 yr)

1,10,15,27

1,10,15,27

24.55

14224.15

39.45

10

43035.75

12.27

20

85714.17

14.47

28

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)

Mthly & Qtly (1,7,15,25)


1,5,15,25

1,7,15,25
1,5,15,25
1 , 7 , 10 , 20, 25
1,7,14,20,25

63.64
59.01
37.01
174.05

13591.65
14283.47
14069.08
13805.93

27.80
40.56
36.56
31.71

54
7
19
33

42883.11
42788.59
42746.48
42554.17

12.01
11.86
11.79
11.47

21
22
23
24

87415.98
78475.56
87243.83
91434.17

15.28
10.85
15.20
17.14

17
52
18
10

100 (Min 60 Instal)

IDFC Premier Equity Fund

2000 (Min 6 Instal)

1% (1 yr)

ICICI Prudential Discovery Fund


Birla Sun Life MNC Fund
SBI Magnum Global Fund 94
Franklin India Prima Fund
Kotak Midcap Fund
SBI Magnum Midcap Fund
Franklin India High Growth Companies
Templeton India Equity Income Fund
Birla Sun Life Top 100 Fund
ICICI Prudential Infrastructure Fund
Birla Sun Life Frontline Equity Fund
Franklin India Prima Plus
UTI Thematic Mid Cap Fund
SBI Magnum Bluechip Fund
DSP BlackRock Small and Midcap Fund

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
0.50% (7 days)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)

UTI Equity Fund


PRINCIPAL Growth Fund
Franklin India Flexi Cap Fund
Sundaram BNP Paribas Select Midcap

1000
1000
500
500 or 1000
1000
500
500 or 1000
500 or 1000
1000
1000
1000
500 or 1000
500
500
500
1000 (monthly) &
3000 (Quarterly)
500
500
500 or 1000
250 (Monthly)

Reliance RSF - Equity

100 (Min 60 Instal)

ING Midcap Fund

UTI Opportunities Fund


ICICI Prudential Dynamic Plan
Birla Sun Life Dividend Yield Plus
Franklin India Bluechip

500
1000
1000
500 or 1000

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)

1, 7 , 10 , 14, 20, 21, 28


Any Date
Weekly(7,14,21,28) & Monthly (Any Date)

1,7,14,21,25
Any Date
Weekly(7,14,21,28) & Monthly (Any Date)
Weekly(7,14,21,28) Monthly (Any Date)

1, 7 , 10 , 14, 20, 21, 28


Last day of the Month & Every Monday

1, 7 , 10 , 14, 20, 21, 28


Weekly(7,14,21,28) & Monthly (Any Date)

Weekly(7,14,21,28) & Monthly (Any Date)

1,7,14,20,25
Weekly (1,8,15,22) Mthly & Qtly (Any Date)
Fortnightly(1,15)

Mthly & Qtly (1,7,15,25)


Last day of the Month & Every Monday

1, 7 , 10 , 14, 20, 21, 28


Weekly(7,14,21,28) & Monthly (Any Date)
Monthly (1 ,7,10,20,28)
Weekly (Every Friday)

Nav

SIP for 10 Yr
Invt amt 120000
Start Date : 01.02.03
End Date : 01.01.13

SIP for 5 Yr
Invt amt 60000
Start Date : 01.02.08
End Date : 01.01.13

45.13

14108.20

37.29

15

45995.58

17.03

103691.08

22.38

Present
Value

Yield % Rank

344917.86
403221.00
310382.64

20.17
23.07
18.20

9
1
18

341216.35

19.97

10

303749.07

17.80

20

2 , 10 , 18 , 28

34.42

14242.84

39.79

42517.87

11.41

25

86536.62

14.86

1,7,15,25
7,10,15,25
1, 7 , 10 , 14, 20, 21, 28
1 , 7 , 10 , 20, 25

36.35
121.09
96.88
244.05

13849.03
13559.28
13582.33
13617.50

32.50
27.21
27.63
28.27

31
59
56
48

42277.68
42273.53
42205.85
42185.84

11.01
11.01
10.89
10.86

26
26
28
29

89419.90
86738.38
92965.37
86165.64

16.21
14.96
17.82
14.68

13
20
8
24

326380.17

19.14

12

1 , 7 , 10 , 20

49.75

13704.44

29.85

45

42163.41

10.82

30

83734.29

13.51

36

269266.15

15.55

27

75.37

13598.82

27.93

52

42117.05

10.74

31

86539.55

14.86

21

308174.19

18.07

19

345657.01
374167.16
317488.10

20.21
21.68
18.62

8
4
14

291192.12
373659.86

17.01
21.66

24
5

Tata Growth Fund

500 (Min 12 Instal)

1% (1 yr)

Tata Select Equity Fund - Appr

500 (Min 12 Instal)

1% (1 yr)

Monthly (1 ,7,10,20,28)
Weekly (Every Friday)

1 , 7 , 10 , 20

1000 (Min 6 Instal)

1% (1 yr)

Daily (Any Date)


Monthly (1,10,20) Weekly
(7,14,21,28) Fortnighlty (1,16)

Monthly (Any Date) Weekly (7,14,21,28)


Fortnighlty (1,16)

23.20

14272.61

40.35

42102.78

10.72

32

77815.08

10.50

53

500
500
500
500
1000
500
500
1000

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)

1, 5,10 , 15 ,20, 25
1, 5,10 , 15 ,20, 25
Any Date
1, 7 , 14 , 21, 28

1, 5,10 , 15 ,20, 25
1, 5,10 , 15 ,20, 25
5, 10, 15, 20, 25, 30
1, 7 , 14 , 21, 28
7,10,15,25
1, 5,10 , 15 ,20, 25
1,5,15,25
1,7,14,21,25

97.70
233.88
49.38
113.48
124.37
302.82
31.44
51.29

13617.33
13792.40
13602.16
13526.05
13819.52
13796.63
13773.97
13753.11

28.27
31.46
28.02
26.61
31.96
31.54
31.13
30.74

48
35
50
61
32
34
36
40

42051.92
42027.70
41975.60
41894.22
41709.31
41667.79
41553.47
41486.81

10.64
10.60
10.52
10.37
10.06
9.99
9.80
9.69

33
34
35
36
37
38
39
40

85639.67
87494.06
84052.09
82873.85
82174.01
90100.46

14.43
15.31
13.66
13.08
12.73
16.53

29
16
33
39
41
12

80719.53

12.00

45

Weekly (1,8,15,22) Mthly & Qtly (Any Date)


Fortnightly(1,15)

2 , 10 , 18 , 28

511.98

13933.22

34.05

25

41454.32

9.63

41

83250.70

13.27

38

397341.98

22.80

1,7,14,21,25

1,7,14,21,25

114.20

13759.34

30.86

37

41438.15

9.61

42

78702.51

10.97

51

302938.90

17.75

21

IDFC Classic Equity Fund


HDFC Growth Fund
HDFC Top 200
SBI Magnum Equity Fund
DSP BlackRock Top 100 Equity Fund
ICICI Prudential Power
HDFC Equity Fund
Principal Large Cap Fund
Kotak Opportunities Fund
Reliance Growth
Kotak 30
Tata Equity Opportunities Fund
Templeton India Growth Fund
DSP BlackRock Opportunities Fund
HDFC Capital Builder Fund
Tata Pure Equity Fund
DSP BlackRock Equity Fund - Dividend

100 (Min 60 Instal)


1000
500 (Min 12 Instal)
500 or 1000
500
500
500 (Min 12 Instal)
500

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)

Last day of the Month & Every Monday

1, 5,10 , 15 ,20, 25
1,5,15,25
1,7,14,21,25

Monthly (1 ,7,10,20,28)
Weekly (Every Friday)

1 , 7 , 10 , 20

90.91

13595.18

27.87

53

41420.88

9.58

43

80629.53

11.96

46

300677.34

17.61

22

1 , 7 , 10 , 20, 25
1, 7 , 14 , 21, 28
1, 5,10 , 15 ,20, 25

129.26
93.06
120.61

13940.77
14035.84
13538.58

34.19
35.94
26.84

24
21
60

41260.83
41229.13
41198.57

9.31
9.25
9.20

44
45
46

83739.15
82325.37
86093.73

13.51
12.81
14.65

36
40
25

312148.37
314627.55
328569.76

18.31
18.45
19.26

17
15
11

Monthly (1 ,7,10,20,28)
Weekly (Every Friday)

1 , 7 , 10 , 20

109.96

13423.54

24.76

67

41189.72

9.19

47

81739.33

12.52

43

323000.54

18.94

13

1, 7 , 14 , 21, 28

1, 7 , 14 , 21, 28

51.50

13567.23

27.36

57

41160.81

9.14

48

83977.87

13.62

34

376305.87

21.79

76664.13
79192.71
84811.39

9.89
11.22
14.03

56
49
31

312808.52

18.35

16

Weekly(7,14,21,28) Monthly (Any Date)

1, 7 , 14 , 21, 28
1, 5,10 , 15 ,20, 25

Reliance Equity Fund

100 (Min 60 Instal)

1% (1 yr)

Weekly (1,8,15,22) Mthly & Qtly (Any Date)


Fortnightly(1,15)

2 , 10 , 18 , 28

15.54

14072.82

36.63

17

41098.96

9.03

49

UTI Leadership Equity Fund


Morgan Stanley A.C.E Fund
HSBC India Opportunities Fund
Birla Sun Life Equity Fund
Birla Sun Life Mid Cap Fund

500
500 or 1000
1000 (Min 12 Instal)
1000
1000

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)

Mthly & Qtly (1,7,15,25)


1,5,10,15,20,25
3 , 10 , 17 , 26, 30
1, 7 , 10 , 14, 20, 21, 28
1, 7 , 10 , 14, 20, 21, 28

1,7,15,25
1,5,10,15,20,25
3 , 10 , 17 , 26, 30
1, 7 , 10 , 14, 20, 21, 28
1, 7 , 10 , 14, 20, 21, 28

16.93
16.11
38.78
283.34
120.14

13721.26
13854.10
13329.52
14007.59
13759.44

30.16
32.59
23.07
35.42
30.86

44
29
74
23
37

41048.45
41035.51
40980.54
40977.96
40945.02

8.95
8.92
8.83
8.83
8.77

50
51
52
52
54

SIP for 1 Yr
Invt amt 12000
Start Date : 01.02.12
End Date : 01.01.13

EQUITY FUNDS SYSTEMATIC INVESTMENT PLAN


PERFORMANCE AND DETAILS AS ON 15th January 2013

SIP for 3 Yr
Invt amt 36000
Start Date : 01.02.10
End Date : 01.01.13

Minimum Invt

Exit Load

STP Dates

SIP Dates

Religare Growth Fund


UTI Dividend Yield Fund
L&T Midcap Fund
Fidelity Equity Fund
SBI Magnum Sector Umbrella - Contra
UTI Top 100 Fund
JPMorgan India Equity Fund
Sundaram BNP Paribas SMILE Fund
SBI Magnum Multiplier Plus 93
UTI Mastershare
SBI Magnum Multi Cap Fund
UTI Master Value Fund
Franklin India Opportunity Fund
Sundaram BNP Paribas Growth Fund
AIG India Equity Fund
ICICI Prudential Growth Plan - Cumulative
HSBC Equity Fund
Birla Sun Life Advantage Fund
DSP BlackRock India Tiger Fund
Sundaram BNP Paribas Select Focus
HDFC Premier Multi - Cap Fund

500 (Min 12 Instal)


500
1000 (Min 6 Instal)
500
500
500
1000
250 (Monthly)
500
500
500
500
500 or 1000
250 (Monthly)
1000
1000
1000 (Min 12 Instal)
1000
500
250 (Monthly)
500

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (2yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
0.50% (7 days)
1% (1 yr)
1% (1 yr)
1% (1 yr)

3,10,15,20,25
Mthly & Qtly (1,7,15,25)
5, 15, 25
Any Date
Any Date
Mthly & Qtly (1,7,15,25)
1,10,15,25
1,7,14,20,25
Any Date
Mthly & Qtly (1,7,15,25)
Any Date
Mthly & Qtly (1,7,15,25)

3,10,15,20,25
1,7,15,25
5, 15, 25, 30
1,10,15,25
5, 10, 15, 20, 25, 30
1,7,15,25
1,10,15,25
1,7,14,20,25
5, 10, 15, 20, 25, 30
1,7,15,25
5, 10, 15, 20, 25, 30
1,7,15,25
1 , 7 , 10 , 20, 25
1,7,14,20,25
1,7,14,21
7,10,15,25
3 , 10 , 17 , 26, 30
1, 7 , 10 , 14, 20, 21, 28
1, 7 , 14 , 21, 28
1,7,14,20,25
1, 5,10 , 15 ,20, 25

14.04
35.39
43.10
38.56
60.80
31.64
14.44
34.54
88.71
58.61
19.11
56.38
33.77
98.54
13.66
34.91
109.23
164.97
47.24
91.81
29.70

Present
Yield % Rank
Value
13518.88
26.48
62
13345.26
23.35
73
13632.03
28.53
47
13349.59
23.43
72
13910.64
33.67
26
13240.46
21.48
77
13390.26
24.16
69
13859.05
32.69
28
13442.57
25.13
65
13295.78
22.47
76
13751.92
30.75
39
13503.84
26.21
63
13601.51
27.98
51
13639.24
28.67
46
13073.69
18.51
79
13588.40
27.74
55
13463.78
25.49
64
13743.50
30.57
43
13851.98
32.56
30
13434.93
24.97
66
13313.27
22.78
75

Reliance Vision

100 (Min 60 Instal)

HSBC Midcap Equity Fund


Birla Sun Life Infrastructure Fund
ICICI Prudential Emerging STAR Fund

1000 (Min 12 Instal)


1000
1000

Tata Infrastructure Fund

500 (Min 12 Instal)

Scheme

UTI Energy Fund


Reliance Diversified Power Fund
Sundaram BNP Paribas CAPEX Opportunities F

1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)
1% (1 yr)

Weekly(7,14,21,28) & Monthly (Any Date)

1,7,14,20,25
1,7,14,21
Last day of the Month & Every Monday

3 , 10 , 17 , 26, 30
1, 7 , 10 , 14, 20, 21, 28
1, 7 , 14 , 21, 28
1,7,14,20,25
1, 5,10 , 15 ,20, 25
Weekly (1,8,15,22) Mthly & Qtly (Any Date)
Fortnightly(1,15)

3 , 10 , 17 , 26, 30
1, 7 , 10 , 14, 20, 21, 28
Last day of the Month & Every Monday
Monthly (1 ,7,10,20,28)
Weekly (Every Friday)

Nav

SIP for 10 Yr
Invt amt 120000
Start Date : 01.02.03
End Date : 01.01.13

SIP for 5 Yr
Invt amt 60000
Start Date : 01.02.08
End Date : 01.01.13

Present
Yield % Rank
Value
40914.91
8.72
55
40904.81
8.70
56
40767.64
8.47
57
40757.51
8.45
58
40699.74
8.36
59
40698.86
8.35
60
40649.46
8.27
61
40570.47
8.13
62
40542.61
8.09
63
40501.65
8.01
64
40495.69
8.01
64
40465.97
7.95
66
40437.12
7.90
67
40307.78
7.68
68
40199.44
7.50
69
40099.84
7.32
70
39989.51
7.13
71
39802.41
6.81
72
39489.50
6.27
73
39238.39
5.83
74
39004.03
5.42
75

Present
Value

Yield % Rank

85770.18
84632.32
83938.66
77504.71
77044.80

14.49
13.94
13.61
10.34
10.10

27
32
35
54
55

82024.04
80210.41
78887.66
74926.36
88327.07
75665.49
76105.87

12.66
11.74
11.06
8.96
15.71
9.36
9.60

42
47
50
61
14
59
57

79696.99
74005.83
75950.55
72998.67
72455.93
80911.20

11.48
8.46
9.51
7.90
7.60
12.10

48
62
58
63
64
44

2 , 10 , 18 , 28

275.63

13097.55

18.93

78

38667.33

4.82

76

75386.40

9.21

60

3 , 10 , 17 , 26, 30
1, 7 , 10 , 14, 20, 21, 28
7,10,15,25

21.06
16.32
28.42

13752.67
13567.65
13412.05

30.74
27.36
24.55

40
57
68

38571.45
37926.51
37512.04

4.65
3.51
2.76

77
78
79

71533.99

7.08

65

67716.28

4.86

66

1 , 7 , 10 , 20

29.66

12724.54

12.38

81

35159.62

-1.57

80

63262.81

2.12

67

500

1% (1 yr)

Mthly & Qtly (1,7,15,25)

1,7,15,25

9.69

12658.67

11.23

82

34541.19

-2.74

81

61555.88

1.03

68

100 (Min 60 Instal)

1% (1 yr)

Weekly (1,8,15,22) Mthly & Qtly (Any Date)


Fortnightly(1,15)

2 , 10 , 18 , 28

59.72

12963.24

16.56

80

33369.83

-5.00

82

59442.31

-0.37

69

-2.05

70

Present
Value

Yield % Rank

366599.73
241593.01

21.30
13.51

6
31

350526.57
256988.39

20.47
14.67

7
29

282357.97
256495.42
260255.63

16.43
14.63
14.91

26
30
28

299757.74

17.55

23

238938.89

13.30

32

286699.63

16.72

25

145449.05

3.80

33

250 (Monthly)

1% (1 yr)

1,7,14,20,25

1,7,14,20,25

18.13

12266.46

4.50

83

31728.81

-8.25

83

56998.52

Baroda Pioneer ELSS 96


Birla Sun Life Tax Plan - Growth
Birla Sun Life Tax Relief 96 - Dividend
Canara Robeco Equity Taxsaver - Dividend
DSP BlackRock Tax Saver Fund - Growth
DWS Tax Saving Fund - Growth
Escorts Tax Plan - Growth
Fidelity Tax Advantage Fund - Growth
Fortis Tax Advantage Plan - Growth
Franklin India Taxshield - Growth
HDFC Long Term Advantage Fund - Growth
HDFC Taxsaver - Growth
HSBC Tax Saver Equity Fund - Growth
ICICI Prudential Taxplan - Growth
ING Tax Saving Fund - Growth
Kotak Taxsaver - Growth
L&T Taxsaver Fund - Growth
LIC Tax Plan - Growth
Principal Personal Taxsaver
PRINCIPAL Tax Savings Fund

500
500
500
500
500
500
500
500
500 (Min 12 Instal)
500
500 or 1000
500
500 (Min 12 Instal)
500
500
500
500 (Min 12 Instal)
500
500
500

3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in

1, 7 , 10 , 14, 20, 21, 28


1, 7 , 10 , 14, 20, 21, 28
1, 7 , 10 , 14, 20, 21, 28
1,5,10,15,25
1,7,14,21,28
1,7,14,21
7,15,21,28
10
Any Date
1,7,10,20,25

1, 7 , 10 , 14, 20, 21, 28


1, 7 , 10 , 14, 20, 21, 28
1, 7 , 10 , 14, 20, 21, 28
1,5,10,15,25
1,7,14,21,28
1,7,14,21
7,15,21,28
1,10
1,10,15,25
1,7,10,20,25
1 , 7 , 10 , 20, 25
1,5,10,15,20,25
1,5,10,15,20,25
3 , 10 , 17 , 26, 30
7,10,15,25
1,10,15,27
1,7,14,21,25
15th of Every Mth
1,5,15,25
1,5,15,25

24.62
15.55
83.05
20.19
19.39
13.85
38.86
23.97
17.40
247.44
151.63
251.72
17.11
162.92
31.16
20.74
15.71
30.78
103.23
86.88

13417.27
13870.76
13891.09
13647.24
14117.89
13592.14
12598.60
13406.23
14072.02
13679.19
13523.90
13598.46
14144.63
13974.54
13405.35
13950.71
13192.04
13449.46
13792.04
14319.26

24.65
32.90
33.27
28.81
37.47
27.81
10.19
24.45
36.62
29.39
26.57
27.93
37.96
34.81
24.43
34.37
20.61
25.23
31.45
41.23

22
8
7
15
3
17
28
23
4
12
19
16
2
5
24
6
27
21
11
1

38938.73
42121.70
40414.19
42781.81
42755.98
38687.54
33361.02
40962.41
44666.89
43361.22
41505.66
40902.68
43373.77
43111.29
39726.20
42148.93
37977.98
39727.64
40776.91
43167.89

5.30
10.75
7.86
11.85
11.81
4.86
-5.01
8.80
14.92
12.80
9.72
8.70
12.82
12.39
6.68
10.80
3.60
6.68
8.48
12.48

25
10
21
7
8
26
28
18
1
4
15
19
2
6
23
9
27
23
20
5

73303.24

8.07

17

215401.86

11.34

14

78551.82
92750.75

10.89
17.73

13
1

256361.70
360056.46

14.62
20.97

10
2

57785.65

-1.50

19

160497.29

5.71

16

88980.91
85254.19
86328.57

16.01
14.25
14.76

4
6
5

325604.54

19.09

354168.49

20.66

92148.24
79396.06

17.46
11.32

2
12

351859.56

20.54

72783.24
77494.13
78555.03

7.78
10.33
10.89

18
15
13

185934.51
253070.11
247356.70

8.54
14.38
13.95

15
11
12

Reliance Tax Saver Fund - Growth

500 (Min 12 Instal)

3 Year Lock-in

Weekly (1,8,15,22) Mthly & Qtly (Any Date)


Fortnightly(1,15)

24.81

13672.23

29.27

13

43372.54

12.82

89757.06

16.37

Religare Tax Plan - Growth


Sahara Taxgain - Growth
SBI Magnum Tax Gain Scheme 93 - Dividend
Sundaram BNP Paribas Taxsaver -

500 (Min 12 Instal)


500
500

3 Year Lock-in
3 Year Lock-in
3 Year Lock-in
3 Year Lock-in

3,10,20
Any Date
1,7,14,20,25

20.06
41.25
37.39
49.44

13651.62
13268.39
13565.91
13827.02

28.89
21.98
27.36
32.10

14
26
18
9

42084.05
40980.46
41510.99
41937.49

10.69
8.83
9.74
10.44

11
17
14
12

84634.40
80176.48
80308.72

13.94
11.73
11.79

7
11
10

317037.62
389713.03
333769.17

18.60
22.44
19.55

7
1
5

Tata Tax Saving Fund

500 (Min 12 Instal)

3 Year Lock-in

Monthly (1 ,7,10,20,28)
Weekly (Every Friday)

ELSS Funds

Weekly(7,14,21,28) Monthly (Any Date)

1,5,10,15,20,25
1,5,10,15,20,25
3 , 10 , 17 , 26, 30
Last day of the Month & Every Monday

1,10,15,27
1,7,14,21
1,7,10,15
1,5,15,25
1,5,15,25

2,10,18,28
3,10,20
5 , 15 , 25
1,7,14,20,25

46.74 13481.79
25.81
20
41574.86
9.84
13
81868.60
12.58
9
267164.35
15.40
9
1 , 7 , 10 , 20
500
Taurus Taxshield - Growth
3 Year Lock-in
39.26 13805.14
31.69
10
41484.16
9.68
16
83295.92
13.29
8
285907.31
16.67
8
1,7,15,25
500
Mthly & Qtly (1,7,15,25)
42.68 13344.95
23.35
25
40040.46
7.22
22
76001.80
9.54
16
227086.17
12.34
13
UTI Equity Tax Savings Plan - Growth
3 Year Lock-in
Important Note : The information regarding Minmium Investment, Entry-Exit Load, SIP Dates and STP Dates mentioned in this report are updated based on the information provided by the respective AMCs. This information is subject to change and therefore before investing it is advisable
to confirm the same with the AMCs.

Agenda

Understanding Power of compounding

Use of Financial Functions in Excel

Use of some basic utilities in Excel for maintaing


MIS

Power Of compounding 8th wonder of world

Some basics about RATE

Compounding frequency
From yearly to monthly
=((1+CAGR%)^(1/12))-1
From yearly to qurterly
=((1+CAGR%)^(1/4))-1

Real rate of Return


=((1+Gross return%)/(1+inflation%))-1

Formulas for TIME VALUE OF MONEY

FV Future Value
PV Present Value
PMT periodic cash flow (Example SIP, EMI)
NPER period (Example - Month, Year,
Quarter, Day)
Rate compounding rate (Example - interest
rate, growth rate, inflation)

Future Value (FV)

In Excel use the FV function


FV(RATE,NPER,PMT,PV,TYPE)
Set PMT=0 and TYPE=0
Always input PV as a negative number

Where can it be used?


To find out maturity amount of one time investment
To find out the future cost of any financial goal

Present Value (PV)

In Excel us the PV function


PV(RATE,NPER,PMT,FV,TYPE)
Set PMT=0 and TYPE=0

Where can it be used?


To find out One time investment required for targeted maturity
amount
To find out the present value of given future amount at
particular rate.

Present Value of an Annuity (FV)

Future Value of an Annuity (PV)

In Excel use the FV function


FV(RATE,NPER,PMT,PV,TYPE)
PV=0 unless there is terminal value
Type=0
ordinary annuity
Type=1
annuity due

Where can it be used?


To find out the the maturity amount of recurring investment
(maturity value of SIP, recurring investment) etc.

Solving for the annuity (PMT)

In Excel use the PV function


PV(RATE,NPER,PMT,FV,TYPE)
FV=0 unless there is terminal value
Type=0
ordinary annuity
Type=1
annuity due

Where can it be used?


To find out the outstanding loan amount on the basis of EMI,
Rate of interest, no of installment pending.
To find out the present value of your SIP or any recurring
investment

Solving for the number of periods

In Excel use NPER function


NPER(RATE,PMT,PV,FV)

In Excel use the PMT function


PMT(RATE,NPER,PV,FV,TYPE)

Where can it be used?


To find out the monthly investment required to achieve any
goal
To find out the EMI for any loan

Solving for the interest rate

In Excel use RATE function


RATE(NPER,PMT,PV,FV,TYPE,GUESS)

Where can it be used?


To find out the time (months, years, days ect.) it would take to
reach the particular corpus

GUESS= Optional first guess at the correct answer


GUESS=10% by default

Where can it be used?


To find out the CAGR for any lumpsum, SIP, Lumpsum & SIP
kind of investment
To find out the rate of interest on Loan

Uneven Cash Flow Streams

Cannot use PV and FV functions


Use NPV function in Excel to find the Present
Value

NPV(RATE,VALUE1,VALUE2,)
Excel will accept up to 29 cash flows
Cash flows can be entered as a range
What about Future Value?
Important: the NPV function does not calculate
the Net Present Value

Non-Annual Compounding Periods

Adjust the Rate of Return and the Number of periods


New periodic rate: i/m
New number of periods: N*m
Where
i is annual rate
m is number of compounding periods within the year
N is the number of years
(Example)

Useful functions in Excel for proper MIS

Solve of the yield of an UCF stream

Use the Internal Rate of Return (IRR) function in Excel


IRR(VALUES,GUESS)

IRR is defined as the rate of return which equates the


present value of future cash flows with the cost of
investment. (Makes NPV equal to zero)
Include the cost of investment as one of the cash
flows

Example

Calculate the PV at time 0 of the following stream of cash


flows
2000

1000

3000

1500

Excel

List of some of the functions

V-lookup

Pivot Table

H-lookup

Creating Drop box

IF

Text to column

Concatenate

Protecting Sheet
Protecting Workbook

2300

1700

10

IF

Form
=IF(condition,value-for-TRUE-case,value-for-FALSE-case)

Name

Exam

Grade

Adams

87

Pass

Benson

92

Pass

Carson

68

Fail

Danson

78

Pass

=IF(B2>=70,Pass,Fail)

FindOuttheFutureValue
Investment
Amount
3,500
4,500
12,000
10,000
5,00,000

Modeof
Investment
Monthly
Qurterly
HalfYear
Yealy
Onetime

Rate

Period

8%
9%
12%
15%
185

FV
18
15
13
11
10

HowmuchIneedtoinvesttoachivetheTargetAmount??

TargetAmount
1,00,00,000
50,00,000
75,00,000
25,00,000
40,00,000

Modeof
Investment
Monthly
Qurterly
HalfYear
Yealy
Onetime

Rate

Invesment
Required?

Period

8%
9%
12%
15%
185

18
15
13
11
10

HowmuchRateofReturnisrequireforachivingGoal?

TargetAmount
1,00,00,000
50,00,000
75,00,000
25,00,000
40,00,000

Modeof
Investment
Monthly
Qurterly
HalfYear
Yealy
Onetime

Investment
5,000
20,000
1,00,000
1,25,000
10,00,000

Period
(Years)
18
15
13
11
10

Invesment
Required?

Disclaimer:

FINANCIAL

FREEDOM

MYTHS ABOUT FINANCIAL FREEDOM

In this session we are not going to discuss or talk about the beliefs you have built over
a period of a time. This might be a shock full event, as you might realize how big chunk
of money you have already lost by investing your money by the way think it proper
and without doing any planning.

WHAT IS FINANCIAL FREEDOM?

Its about your relations with Money? ..

BEING DEBT FREE


EARNING A LOT OF MONEY

HOW FINANCIAL FREEDOM CAN BE ACHIEVED?


TYPES OF PASSIVE
INCOME

Through the well designed plan


Building up the assets
Generation of Passive income more than the Need

RENT
INTEREST
DIVIDEND
ROYALTY

FINANCIAL FREEDOM FUND

FINANCIAL FREEDOM FUND

Calculation of Corpus required for the recurring house hold expense


Financial Freedom Fund is the present value of all your future monetary needs.
Say for Example, Mr. Aditya Saxena, age 30 is a person who has the Following
Financial
Back Ground
Monthly Fixed Exp
Outstanding Loan
Daughters Marriage exp
Daughters Education exp
Buying a Home

`. 25000
`. 1000000
` 500000.
`. 700000
`.3500000

Then Mr Aditya Saxena needs the Financial Freedom Fund which can satisfy all the
above needs.

Monthly exp
Inflation
Risk free Rate of Return
Life Expectancy
Age
Remaining Years of Life
Corpus required for House hold exp

Rs`` 25,000
6%
8%
60
30
30
Rs` 69,53,480

Calculating a Financial Freedom Fund

Year
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

Yearly expense 6% inflation


Corpus at the begining of the year assumed
Balance
` 69,53,480
` 3,00,000
` 71,85,759
` 3,18,000
` 74,17,179
` 3,37,080
` 76,46,507
` 3,57,305
` 78,72,339
` 3,78,743
` 80,93,083
` 4,01,468
` 83,06,945
` 4,25,556
` 85,11,900
` 4,51,089
` 87,05,676
` 4,78,154
` 88,85,723
` 5,06,844
` 90,49,190
` 5,37,254
` 91,92,890
` 5,69,490
` 93,13,273
` 6,03,659
` 94,06,383
` 6,39,878
` 94,67,825
` 6,78,271
` 94,92,718
` 7,18,967
` 94,75,651
` 7,62,106
` 94,10,629
` 8,07,832
` 92,91,021
` 8,56,302
` 91,09,496
` 9,07,680
` 88,57,962
` 9,62,141
` 85,27,487
` 10,19,869
` 81,08,227
` 10,81,061
` 75,89,339
` 11,45,925
` 69,58,887
` 12,14,680
` 62,03,744
` 12,87,561
` 53,09,477
` 13,64,815
` 42,60,235
` 14,46,704
` 30,38,614
` 15,33,506
` 16,25,516
` 16,25,516

Pyramid of pre-requirement

` 66,53,480
` 68,67,759
` 70,80,099
` 72,89,202
` 74,93,595
` 76,91,615
` 78,81,389
` 80,60,811
` 82,27,521
` 83,78,879
` 85,11,935
` 86,23,401
` 87,09,614
` 87,66,504
` 87,89,554
` 87,73,750
` 87,13,545
` 86,02,797
` 84,34,719
` 82,01,816
` 78,95,821
` 75,07,618
` 70,27,166
` 64,43,414
` 57,44,207
` 49,16,182
` 39,44,662
` 28,13,531
` 15,05,108
`0

Corpus at the end of year


` 71,85,759
` 74,17,179
` 76,46,507
` 78,72,339
` 80,93,083
` 83,06,945
` 85,11,900
` 87,05,676
` 88,85,723
` 90,49,190
` 91,92,890
` 93,13,273
` 94,06,383
` 94,67,825
` 94,92,718
` 94,75,651
` 94,10,629
` 92,91,021
` 91,09,496
` 88,57,962
` 85,27,487
` 81,08,227
` 75,89,339
` 69,58,887
` 62,03,744
` 53,09,477
` 42,60,235
` 30,38,614
` 16,25,516
`0

Financial Freedom Fund of Mr. Aditya Saxena


PV of Monthly exp*

`. 6953480

Outstanding Loan

`. 1000000

Daughters Marriage
Daughters Education
Buying A Home

Financial Freedom Fund

`. 500000
`. 700000
`. 3500000

Rs` 1,26,53,480

*As per the calculation done earlier

Ask few questions to yourself

9Do you have the right MINDSET for financial success? Are you
focused, confident, determined, energized and fully committed to
becoming financially independent?
9Do you have the FINANCIAL EDUCATION, it is necessary to make
intelligent financial decisions? Are you well informed about financial
planning, investing, stock trading, business management or real
estate?

9Do you have the ACTION plan?

ABC OF FINANCIAL FREEDOM

Assuring (Man at Job)


In this stage the Man is at job all the time and he ensures the financial
freedom for him and his family irrespective of his physical presence.

Building (Man + Money at Job)


Here one needs to adapt the investment strategy and to follow the right
asset allocation plan which suits his risk profile to start building the
Financial Freedom Fund. This is the stage where Man and Money both are
at Job. Man works for the money and invests into some investment
avenue and Money also works by fetching the returns from the
investments done by man.

Cashing (Money at Job)


This is the stage where you accumulate all your investments reallocate
those into the assets which start giving you the Passive income.

ASSURING (MAN AT JOB)

Why Assurance?

WHY ASSURANCE????
Ek Chhoti Bachhi Apne Papa k Sath ja Rahi Thi,
Ek Pul par Paani Bahut Tezi se Beh Raha Tha
PAPA: - Beta Daro Mat, Mera Hath Pakad Lo,
BACHHI: - Nahi Papa, Aap Mera Haath Pakad Lo,
PAPA (Muskura Kar): - Dono me Kya Antar Hai Beta????
BACHHI: - Agar Mai Aapka Haath Pakdu aur Achanak kuch
ho Jaye, To Shayad mai Aapka Haath Chod Du
Lekin Agar aap Mera Haath Pakdenge. To mai Jaanti Hu Ki
Chahe Kuch bhi Ho Jaye
AAP MERA HAATH KABHI NAHI CHHODENGE..!!!!!!

GAP ANALYSIS FOR ASSURANCE

UNCERTAINITY OF LIFE OF EARNING MEMBER


Mr. Aditya Saxena has the following investments and insurance

One Need to Assure the financial Freedom for the Family


before achieving it..
Biggest Threat to Financial Freedom
UNCERTAINITY OF LIFE OF EARNING MEMBER
UNCERTAINITY OF HEALTH OF ANY FAMILY MEMBER
BEST WAY TO ASSURE THE FINANCIAL FREEDOM IS
BUING ADEQUATE AMOUNT OF LIFE INSURANCE AND
HEALTH INSURANCE

ASSURANCE PLAN

Mr. Aditya can buy the life Insurance Policy giving the Risk Cover of
`. 10553000

Investment in FD
Investment in MF
Life Insurance cover

`. 200000
`. 400000
`. 1500000

Rs. 2100000 is anytime available to the family of Mr. Aditya Saxena in


case
of the sudden demise of the Mr Aditya Saxena.
Required FFF
Fund Available
Assurance Required

GAP ANALYSIS FOR ASSURANCE

UNCERTAINITY OF HEALTH OF ANY FAMILY MEMBER

Best Possible way is to buy the Term Insurance Plan of some good company
WHAT IS TERM PLAN?

Increasing Medical Treatment Cost

- Pure risk policy

Medical Treatment expense can not be postpone

- Its affordable to all

This might Lead to delay in achieving Financial


Freedom Fund

- Gives very high Risk cover for small consideration ASSURANCE PLAN

One should have at least 25 to 30 times of monthly salary


Sum Assured in the form of Mediclaim

Rs` 1,26,53,480
`. 2100000

Rs` 1,05,53,480

ASSURANCE PLAN

BUILDING FINANCIAL FREEDOM FUND

Right Investment strategy is required..

Looking at the complexity of the decease and medical treatment one


should have a mediclaim of any amount between `. 300000 to `.
500000

3 THINGS TO KEEP IN MIND


BEST AND ECONOMIC CHOICE TO HAVE THE MEDICLAIM IS TO
BUY THE FAMILY FLOATER POLICY.

1) START EARLY
2) INVEST REGULARLY

WHAT IS FAMILY FLOATER POLICY

3) INVEST IN RIGHT ASSET CLASS

Economic
Protection for all family members
Risk cover floats within the family members

BUILDING FINANCIAL FREEDOM FUND

INVEST REGULARLY

BUILDING FINANCIAL
FREEDOM FUND

Year

START EARLY
Value of investment
`. 5000 Monthly for
30 Years.

Return

Value of investment
`. 5000 Monthly for
29 Years.

Money
Saved by
Delay

Money Lost by
Delay

8%

`7,501,475.89

`6,868,711.59

`60,000.00

`632,764.30

10%

`11,396,626.62

`10,259,021.59

`60,000.00

`1,137,605.03

12%

`17,649,568.87

`15,606,258.08

`60,000.00

`2,043,310.79

15%

`35,049,103.03

`30,139,014.68

`60,000.00

`4,910,088.35

18%

`71,626,445.87

`59,852,102.81

`60,000.00

`11,774,343.06

20%

`116,804,008.79

`95,733,924.87

`60,000.00

`21,070,083.92

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

Maturity Value of ` 3000 of Monthly Investment at 10%


Fund Value
Investment
Gain
`38,010.84
`36,000.00
`2,010.84
`80,001.92
`72,000.00
`8,001.92
`126,390.01
`108,000.00
`18,390.01
`177,635.54
`144,000.00
`33,635.54
`234,247.14
`180,000.00
`54,247.14
`296,786.72
`216,000.00
`80,786.72
`365,875.02
`252,000.00
`113,875.02
`442,197.75
`288,000.00
`154,197.75
`526,512.48
`324,000.00
`202,512.48
`619,656.06
`360,000.00
`259,656.06
`722,552.99
`396,000.00
`326,552.99
`836,224.58
`432,000.00
`404,224.58
`961,799.06
`468,000.00
`493,799.06
`1,100,522.83
`504,000.00
`596,522.83
`1,253,772.80
`540,000.00
`713,772.80
`1,423,070.04
`576,000.00
`847,070.04
`1,610,094.91
`612,000.00
`998,094.91
`1,816,703.73
`648,000.00
`1,168,703.73
`2,044,947.19
`684,000.00
`1,360,947.19
`2,297,090.73
`720,000.00
`1,577,090.73

Scheme

BUILDING FINANCIAL FREEDOM FUND

INVEST IN RIGHT ASSET CLASS.


The Most Important Aspect of achieving Financial Freedom
Mr. Aditya Saxena has `. 10000 p.m. Investible money
Return

Time take for building FFF

8%

28 Years and 1 Month

12%

22 Years and 2 months

15%

19 Years and 4 month

20%

16 Year and 2 months

22%

15 Years and 3 month

Power of compounding is the 8th wonder of the world.


Albert Einstein

Reliance Growth - Growth


Franklin India Bluechip - Growth
HDFC Equity Fund - Growth
Reliance Vision - Growth
Franklin India Prima Plus - Growth
Franklin India Prima Fund - Growth
HDFC Prudence Fund - Growth
SBI Magnum Tax Gain Scheme 93 - Growth
Birla Sun Life 95 - Growth
HDFC Capital Builder Fund - Growth
ICICI Prudential Power - Growth
Birla Sun Life MNC Fund - Growth
SBI Magnum Global Fund 94 - Growth
Tata Equity Opportunities Fund - Growth
Birla Sun Life Advantage Fund - Growth
Taurus Starshare Fund - Growth
SBI Magnum Multiplier Plus 93 - Growth
Tata Balanced Fund - Growth
SBI Magnum Equity Fund - Growth
SBI Magnum Balanced Fund - Growth
Morgan Stanley Growth Fund - Growth
Taurus Bonanza Fund - Growth
UTI Equity Fund - Growth
UTI Balanced Fund - Growth
Canara Robeco Balance - Growth
UTI Top 100 Fund - Growth
UTI Masterplus Unit Scheme 91 - Growth
UTI Mastershare - Growth
JM Balanced - Growth
JM Equity - Growth
Taurus Discovery Fund - Growth

Total Amount
Invested
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000
180000

Present Value
2745820
2644852
2516149
1846946
1822159
1757302
1671675
1509485
1482358
1318925
1220266
519191
1159726
1144738
1087407
1056055
1017018
944946
944437
928019
836436
820994
808440
801584
719427
691756
674965
663917
556689
512367
425628

As on 20-1-2011. PAST PERFORMANCE MAY OR MAY NOT SUSTAIN

Yield
31.98
31.56
30.99
27.50
27.35
26.94
26.38
25.45
25.02
23.70
22.83
22.72
22.46
22.41
21.52
21.20
20.96
19.93
19.93
19.73
18.55
18.34
18.16
18.07
16.83
16.38
16.09
15.91
13.87
12.90
11.09

Profit-SIP
2565820
2464852
2336149
1666946
1642159
1577302
1491675
1329485
1302358
1138925
1040266
339191
979726
964738
907407
876055
837018
764946
764437
748019
656436
640994
628440
621584
539427
511756
494965
483917
376689
332367
245628

BUILDING FINANCIAL FREEDOM FUND

CASHING FINANCIAL FREEDOM

SUMMARY OF PERFORMANCE OF SIP IN MUTUAL FUNDS.

EYE OPENER PERFORMANCE OF SIP OF EQUITY BASED MUTUAL FUNDS


TOTAL NUMBER OF SCHEME
31
SCHEMES WITH MORE THAN 25% RETURN
9
SCHEMES WITH MORE THAN 20% RETURN

17

SCHEMES WITH MORE THAN 15% RETURN


HIGHEST RETURN
LOWEST RETURN
AVERATE RETURN

28
31.98%
11.09%
21.51%

ARE THERE ANY SUCH INVESTEMNT


CONCEPT WHICH OFFERS THE
SOLUTION TO FINANCIAL FREEDOM?

ENJOY FINANCIAL FREEDOM.


REBALANCE Y0UR ASSETS IN A MANNER THAT GIVES YOU THE ENOUGH
PASSIVE INCOME WITHOUT BREAKING THE VALUE OF YOUR ASSETS.
DO WHAT YOU LOVE TO DO, NOT WHAT YOU ARE FORCED TO DO.
CONTROL YOUR MONEY , RATHER THAN BEING CONTRELLED BY MONEY.

Mutual Fund- Know now

What is a Mutual Fund?

Mutual Funds
What, Why and How

Mutual Funds pool money from many small


investors with similar (one could say mutual)
objectives, to achieve Economies of Scale and
Diversification in the investment of these
funds.
This can result in higher returns at lower risk

Mutual Fund- Know now

Mutual Fund- Investment

Graphically speaking...
Step 1 : Make investments

Where is the money invested

MF

Your money is invested in various securities depending


on the objectives of the scheme you choose.

Step 5: Returns provided to investors

STOCKS

BONDS

MONEY MARLKET

Investor community

Step 4: Expenses
deducted
from the returns

Earnings to the
Fund House/ Distributor

Various Assets

Mutual Fund- Types

Mutual Fund- Types

What are the types of mutual funds ..(1)

What are the types of mutual funds ..(3)

Open end schemes: You can invest or redeem in these schemes at any time
Closed end schemes: You can invest during the initial issue period and your
money is locked in for a stipulated period (ranging from 2 to 15 years)

Types of growth funds

What are the types of mutual funds ..(2)

9 Diversified Funds
9 Sector Funds
9 Index Funds

Based on the investment objective

What are the types of mutual funds ..(4)

Growth schemes: Invest in shares of companies. Have the potential to deliver


better returns over the long term as compared to other mutual fund schemes

Income schemes: Invest in fixed income securities such as bonds issued by


corporate and other government agencies
Gilt Funds invest exclusively in government securities for added safety

Mutual Fund- Types

Mutual Fund- Other Schemes

What are the types of mutual funds ..(5)


Balanced schemes: Invest in both shares and bonds,
thereby receiving income that can moderate the effects
of price fluctuations due to stocks
Money market schemes: Invest in short term
instruments such as certificates of deposits and short
term bonds

Risk and Investment

Other types of schemes


Need based schemes
Tax-Saving schemes
Equity Linked Savings Schemes
Pension Schemes
Future needs schemes
Childrens Savings Plans
Retirement benefit schemes

Risk and Investment

The risk return trade-off..

Investment Pyramid

Investment horizon

Sector funds

Investor Portfolio Composition


Capital Growth
Risk: Medium to High
Period: 3 to 5 years

Stocks
Growth
Funds

Growth Funds
Index, Active diversified

Balanced Funds
Ratio of Debt : Equity

Income
Risk: Medium to Low
Period: 1 to 3 years

Income/Bond Funds
Company Fixed Deposits

Debt Funds
Liquid Fund

Risk

Why Mutual fund?

Bonds
Debentures

Capital Preservation
Risk: Low to Medium
Period: Less than 1 year

Money Market Funds


Short-term Deposits /Government Paper

Why Mutual fund?

Why invest in a mutual fund?..(1)

Why invest in a mutual fund?..(3)

Professional Management:

Liquidity & Convenience:

Experience and resources to thoroughly analyze the


economy/markets to spot good investment opportunities

Why invest in a mutual fund?..(2)


Diversification:
Reduces the risk to which you would've been exposed
by investing in a single stock/bond Invests in a broad
cross section of industries or companies - negative
performance of one security will not have as much
of an impact on the fund

You will be able to get your money back within a short period as
compared to other securities

Very little paperwork


Helps avoid problems such as bad deliveries, delayed
payments and unnecessary follow up with brokers and
companies

Why Mutual fund?

Why invest in a mutual fund?..(4)


Tax Efficiency:
Some mutual fund schemes offer tax benefits under
Section 80(C ) .
Dividends declared under mutual fund schemes
are tax free in the hands of the investor*
Mutual funds offer favorable post tax returns

How you make money in Mutual fund?

How do I make money from a mutual fund?..(1)


Capital appreciation:
As the value of securities in the fund increases, the fund's unit price will
also increase. You can make a profit by selling the units at a price higher
than at which you bought

Income Distribution:
The fund passes on the profits it has earned
in the form of dividends

Subject to Dividend Distribution tax


in Non Equity Funds

The right scheme

How to choose the right scheme

The right Fund house

How to choose the right fund house

Determine your financial goals and your time horizon


Determine your tolerance for risk
Study the objectives of the funds available
and match them with your need

Look for:
Professional management
Performance track record
Quality of service
Choice of schemes

The winning combination

How to make the winning mutual fund investment(1)


Start Early
Save regularly
Use a portfolio approach spread your investments across sectors
and asset classes
See that your portfolio contains both short term and long term investments

Basics of Systematic Investing


& Asset Allocation

How to make the winning mutual fund investment(2)


Monitor your investment portfolio periodically in light of market changes and
changes in your life
Stay calm, steady and disciplined keep your goals firmly in sight do not get
carried away by emotions or temporary market fluctuations

Systematic Investing

Systematic Investing

Systematic Investing- Basic Issues

What is Systematic Investing?

Why don't most people save regularly?

The term systematic investing, applies to the process


of investing regularly i.e. at fixed intervals, say, monthly
or quarterly.

1.
2.
3.
4.

Why should one systematically invest?

Lack of awareness/ concern/ planning for financial goals


No money left after monthly expenses
Hassle of keeping track of investments
Unaware of power of compounding

When chasing a financial goal, the simplest form of


planning is to invest regularly
Most of us calculate our earnings, expenses and savings
monthly. The easiest way to plan our investments,
therefore, is on a monthly basis

Systematic Investing

Systematic Investing

Enhancing Future Value

The mother of all equations

FV = PV (1 + r)rn n

FV = PV (1 + r)n

The more you


save, makes a
difference

FV = Future Value
PV = Present Value
r = Rate of Return/ Coupon Rate
n = No. of compounding periods

The more
you earn,
makes a
difference

The Power of Compounding


The power of compounding

The power of compounding

The Power of Compounding

The Power of Compounding

The more you save, makes a difference

The sooner you start, makes a difference

Growth rate of 7% p.a.


Amount saved per
month

The sooner
you start,
makes a
difference

Total Amount
Saved

Value after 25
years

Rs. 1000 invested p.m. @8%


CAGR
Starting Age

Total Amount
Saved

Value at the
age of 60

5,000

1,500,000

4,073,986

25

420,000

2,309,175

3,000

900,000

2,444,391

30

360,000

1,500,295

1,500

450,000

1,222,196

35

300,000

957,367

1,000

300,000

814,797

40

240,000

592,947

The above example is just for the explanation purpose.

The above example is just for the explanation purpose.

The power of compounding

Save for future

Savings is for Future Goals

The Power of Compounding

The more you earn, makes a difference


Rs. 1000 invested pm

Value after 10
years

Growth Rate

Value after
25 years

8%

184,166

957,367

10%

206,552

1,337,890

15%

278,657

3,284,074

20%

382,364

8,626,708

The above example is just for the explanation purpose.

Life objective- cost structure

Volatility- Cost averaging

Making Volatility Work for you

The Arithmetic of Financing Life


Objective
Build a house
Sons MBA

Rupee Cost Averaging

Years to go

Current Cost

Future Cost

25 lacs

32 lacs

10

Daughters
marriage

15

Retirement Fund

25

5 lacs
5 lacs
40 lacs

7.5 lacs
12 lacs

Month

Amount Invested
(Rs.)

Sale Price (Rs.)

No. of Units
Purchased

1000

12

83.333

1000

15

66.667

1000

111.111

1000

12

83.333

TOTAL

4000

48

344.444

100 lacs
Average Sales Price of Units : Rs. 12 ( i.e. Rs. 48/4 months)
Average Purchase Cost of Units : Rs 11.61 ( i.e. Rs. 4000/344.444 units)

SENSEX - and Sensibilities

Time Matters not Timing

Scheme

Date

NAV

Date

Franklin India Bluechip

5/31/1996

15.65

7/30/2003

Franklin India Prima Fund

5/31/1996

13.21

HDFC Equity Fund

5/31/1996

7.19

Reliance Growth

5/31/1996

Reliacne Vision

5/31/1996

HDFC Top 200

5/31/1996

Sensex

5/31/1996

S & P Nifty

5/31/1996

CNX Midcap

5/31/1996 N.A.

NAV

CAGR(In%
)

30.39

10.12

7/30/2003

45.75

19.47

7/30/2003

32.214

23.9

11.14

7/31/2003

43.75

22.1

11.23

7/31/2003

37.58

19.03

7/30/2003

24.433

3724

7/30/2003

3780

0.01

1089

7/30/2003

1183

0.02

7/30/2003

1402

Time Matters not Timing

No.

Particulars
SENSEX

Its easy- convenient

Investment on
14-Feb-2000

Value
as on
21-Sep-2001

5924.32

2600.12

Value
Absolute
as on
Growth
23-Nov-2004
6009.86

1.44%

HDFC Equity Fund

1,00,000

51,179

2,12,360

112 %

Franklin Blue Chip

1,00,000

66,222

2,02,540

102 %

Reliance Vision Fund

1,00,000

41,240

2,55,610

155 %

HDFC Prudence Fund

1,00,000

71,651

2,35,370

135 %

Tata Pure Equity

1,00,000

43,927

1,82,630

82 %

Franklin India Prima

1,00,000

45,550

2,56,670

156 %

HDFC Top 200

1,00,000

46,002

1,69,780

69 %

Pru ICICI Power

1,00,000

45,433

2,21,220

121 %

Reliance Growth

1,00,000

26,818

2,21,750

121 %

Asset allocation- find the right combination

What is Asset Allocation?


Its about diversifying ones portfolio among asset
classes such as bonds, stocks, real estate, or cash.
Its referred to in terms of the target percentages for each
asset class. For example, a portfolio could have a mix of 60
percent stocks, 30 percent bonds and 10 percent cash.
Its the financial representation of an investors personality:
the ideal asset allocation is one that best balances an
investors profile and objectives

Asset allocation- find the right combination

Suggesting the Right Allocation


Profile the client for ability and willingness to take risk
Match with clients objectives
Iron out mismatches, if any

Unmatched Convenience
9 Minimum investment of Rs.500 on a monthly or quarterly basis
9 Choice of post-dated cheques or direct debit with selected banks
9 Cheques payable anywhere in India accepted
9 Statement of account provided with each transaction

Note: Some of the above facilities are available with investments in select funds and/ or at select
centres. Please refer to offer document for specific details.

Asset allocation- find the right combination

Significance of Asset Allocation


Significance Relative to Return
Brinson, Hood and Beebower :
Determinants of Portfolio
Performance, 1986, 1991: Asset
Allocation helps explain over
93% of a portfolios
performance.

Asset allocation- find the right combination

Making Asset Allocation Work


Review of objective - EXAMPLE
Periodic Review
Years to goal

Equity Allocation %

TODAY

10

70%

After 5 yrs

60%

After 7 yrs

40%

After 9 yrs

10%

A periodic review of objectives can ensure an investor is not left at


the mercy of the equity markets when he needs his money

THANK YOU

www.prudentcorporate.com

Report as on January 15, 2013


Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58

Equity Diversified Funds


Principal Growth Fund
ICICI Prudential Discovery Fund
Reliance RSF Equity
Escorts Leading Sectors Fund
IDFC Classic Equity Fund
JM Core 11 Fund
IDFC India GDP Growth Fund
Reliance NRI Equity Fund
Tata Mid Cap Fund
Reliance Top 200 Fund
Tata Equity Management Fund
JM Basic Fund
Templeton India Equity Income Fund
SBI Magnum Multi Cap Fund
Birla SL Equity Fund
Kotak Select Focus Fund
BNP Paribas Equity Fund
Templeton India Growth Fund
ICICI Prudential Top 200 Fund
Birla SL Pure Value Fund
Canara Robeco Equity Diversified
Franklin India Flexi Cap Fund
Franklin India Prima Plus
Religare Equity Fund
Sundaram Equity Multiplier Fund
Taurus Starshare Fund
UTI Equity Fund
SBI Magnum Multiplier Plus 93
UTI Masterplus Unit Scheme 91
Principal Smart Equity Fund
SBI Magnum Equity Fund
Birla SL Advantage Fund
UTIMEPUS
JM Multi Strategy Fund
UTI Master Value Fund
Sahara Growth Fund
LIC Nomura Equity Fund
Sundaram Growth Fund
Religare Growth Fund
Sahara Wealth Plus Fund FP
HDFC LT Equity Fund
LIC Nomura MF Growth Fund
JPMorgan India Equity Fund
ING Multi Manager Equity Fund Plan A
Escorts Growth Plan
L&T Equity Fund
JM Equity
BOI AXA Equity Fund
Principal Equity Savings Fund
UTI Mastershare
HDFC Core & Satellite Fund
Baroda Pioneer Growth Fund
Pramerica Equity Fund
L&T India Large Cap Fund
PineBridge India Equity Fund Standard
Pramerica Dynamic Fund
HDFC Premier Multi Cap Fund
Edelweiss Absolute urn Fund

Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19

Largecap Funds
SBI Magnum Bluechip Fund
Reliance Equity Fund
Birla SL Frontline Equity Fund Plan A
Birla SL Top 100 Fund
ING Core Equity Fund
Morgan Stanley Growth Fund
Principal Large Cap Fund
Daiwa Industry Leaders Fund
HDFC Equity Fund
Axis Equity Fund
UTI Leadership Equity Fund
HDFC Top 200
ICICI Prudential Top 100 Fund
ING Large Cap Equity Fund
DSP BR Equity Fund
Union KBC Equity Fund
Canara Robeco Large Cap+ Fund
Tata Pure Equity Fund
ICICI Prudential Focused Bluechip Equity Fund
Indices
S&P Nifty
BSE Sensex
CNX Midcap

NAV

Launch Date

Gr
Div
59.01 26.74
59.47 22.69
34.42 22.52
12.49 12.49
23.20 12.84
3.99
3.99
20.19
45.93 21.64
49.75 19.97
14.82 13.64
17.13 14.80
14.52 10.14
23.79 14.30
19.11 14.51
283.34 67.82
13.59 12.27
40.93 12.63
129.26 51.99
124.37 16.69
18.69 16.34
64.91 28.29
37.01 14.49
259.57 28.18
14.06 14.05
15.28 12.46
64.82 45.63
63.64 56.28
88.71 56.12
94.14 65.77
11.69 11.69
49.38 29.06
164.97 79.43
55.10
13.76 12.80
56.38 23.64
89.16 25.88
28.09 11.07
98.54 13.32
14.04 12.76
22.88 18.96
17.62 12.35
13.68 12.13
14.44 13.41
10.82 10.82
73.20 11.34
38.56 21.61
36.41 14.82
18.60 13.11
90.54 10.39
58.61 26.66
41.16 19.13
51.57 29.05
9.53
9.53
13.21 13.21
13.66 13.66
10.39 10.39
29.70 13.55
12.76 11.20
NAV
Gr
17.02
15.54
102.33
26.68
43.77
67.61
31.44
13.07
302.82
12.40
16.93
233.88
159.72
31.59
18.14
11.08
12.19
109.96
18.94

25-Oct-2000
16-Aug-2004
08-Jun-2005
25-Aug-2008
09-Aug-2005
05-Mar-2008
11-Mar-2009
16-Nov-2004
01-Jul-1994
08-Aug-2007
07-Jul-2006
02-Jun-1997
18-May-2006
29-Sep-2005
27-Aug-1998
11-Sep-2009
23-Sep-2004
10-Sep-1996
01-Oct-1994
27-Mar-2008
16-Sep-2003
02-Mar-2005
29-Sep-1994
04-Oct-2007
27-Feb-2007
03-Jan-1996
20-Apr-1992
28-Feb-1993
09-Dec-1991
16-Dec-2010
01-Jan-1991
24-Feb-1995
31-Mar-2003
23-Sep-2008
01-Jun-1998
03-Sep-2002
15-Feb-1999
14-Apr-1997
09-Aug-2007
01-Sep-2005
10-Feb-2006
03-Feb-1999
14-Jun-2007
30-Apr-2007
04-Apr-2001
16-May-2005
01-Apr-1995
21-Oct-2008
07-Jan-1998
19-Sep-1986
17-Sep-2004
12-Sep-2003
06-Dec-2010
23-Oct-2007
22-Jun-2007
06-Dec-2010
06-Apr-2005
20-Aug-2009
Launch Date

Div
13.30
15.54
22.82
15.20
17.45
20.64
21.53
13.07
46.50
12.41
15.70
45.91
15.80
21.06
51.50
11.08
12.20
38.46
18.07

6056.6
19986.82
8684.25

14-Feb-2006
28-Mar-2006
30-Aug-2002
24-Oct-2005
06-May-1999
18-Feb-1994
11-Nov-2005
09-Sep-2009
01-Jan-1995
05-Jan-2010
20-Feb-2006
11-Sep-1996
09-Jul-1998
23-Feb-2004
29-Apr-1997
10-Jun-2011
20-Aug-2010
07-May-1998
23-May-2008

Absolute % (Point to
QAAUM
3 Mth Rank 6 Mth Rank
(Dec12)
(in Crs)
273.92 11.72
4 22.43
6
2300.35 10.31
10 18.77
19
2949.19
8.71
16 23.20
5
0.60
8.17
23 24.08
2
156.01 11.38
7 23.71
3
51.18 11.69
5 21.42
10
24.08 11.64
6 24.44
1
93.10
9.99
12 23.60
4
216.70
6.63
39 17.07
28
834.96
8.55
19 18.41
21
136.58
7.95
24 20.61
14
209.03
9.02
15 22.06
7
991.54 11.88
2 21.97
8
404.93
8.27
22 18.40
22
750.41
9.02
15 21.28
11
363.78 10.09
11 21.02
13
127.91 11.77
3 18.36
23
689.18 11.20
8 19.31
17
496.18
8.51
20 18.52
20
54.67
8.65
17 16.12
34
683.18
7.29
32 15.75
39
1721.08 12.40
1 21.24
12
1938.14 10.70
9 19.55
16
17.23
5.63
47 17.95
27
162.84
7.10
35 16.22
33
169.21
8.36
21 21.55
9
2278.79
6.16
42 16.49
32
1141.24
5.49
49 14.42
46
900.80
7.55
29 17.96
26
110.43
6.95
37 15.97
37
1083.87
8.60
18 16.05
36
304.41
9.06
14 19.30
18
1251.68
7.01
36 18.06
24
199.63
9.44
13 19.82
15
655.86
7.23
33 16.08
35
10.90
5.47
50 15.01
42
71.56
7.67
28 16.87
29
230.21
7.71
27 18.00
25
38.17
7.50
30 15.75
39
11.10
4.60
53 14.31
48
501.61
6.72
38 14.47
45
90.40
6.41
41 16.12
34
280.88
5.51
48 14.74
44
31.58
5.77
45 13.30
54
4.69
5.26
52 14.04
50
2614.55
6.03
44 15.10
40
41.05
6.13
43 14.79
43
58.93
4.38
54 13.69
52
23.64
7.85
25 16.84
30
2418.03
4.25
55 13.48
53
318.10
7.72
26 16.58
31
152.27
7.46
31 15.06
41
32.62
7.20
34 15.80
38
375.25
5.76
46 14.12
49
146.39
3.58
56 13.78
51
84.29
5.38
51 12.57
55
372.74
6.53
40 14.32
47
30.11
1.84
57
6.69
56
QAAUM
3 Mth Rank 6 Mth Rank
(Dec12)
(in Crs)
740.93
9.31
9 22.36
3
1117.08
8.41
16 22.02
5
2935.67 10.44
3 22.73
2
297.68
9.95
5 20.69
6
75.77
8.31
18 18.33
12
1307.00 10.58
2 22.24
4
389.64
8.26
21 18.11
17
28.72
8.83
12 20.24
8
10555.70
8.56
14 17.27
21
571.24
8.49
15 19.23
9
619.82
7.08
28 17.08
23
12122.20
8.39
17 17.73
18
418.09 10.14
4 18.12
16
5.37
7.38
26 18.45
11
2615.67
8.99
11 17.47
19
154.49
7.99
23 17.37
20
151.13
6.00
35 14.46
36
585.97
5.55
36 14.11
39
4230.72
8.29
20 18.30
13
6.49
6.8
9.42

16.53
16.86
17.51

Compounded Annualised % (Point to Point)


1 Yr
39.48
39.05
39.04
37.17
36.39
35.65
35.62
35.59
34.82
34.41
33.93
33.22
33.06
32.79
32.67
32.36
31.30
30.62
30.15
29.95
29.91
29.84
29.44
29.37
29.36
29.19
29.15
28.72
28.40
28.23
27.54
26.26
25.89
25.59
25.55
25.47
25.37
24.97
24.95
24.92
24.86
24.79
24.40
23.30
23.08
22.78
22.24
22.22
22.10
21.94
21.54
21.51
21.18
20.94
20.52
19.92
18.93
12.98
1 Yr
35.50
34.18
33.94
33.12
31.94
31.57
31.12
30.73
29.25
28.94
28.75
28.41
28.15
27.81
26.82
26.69
26.63
26.44
26.27
24.19
23.39
30.55

Rank 2 Yrs
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58

5.85
10.26
5.24
6.56
5.12
-2.54
10.45
7.44
7.57
7.30
8.24
-1.59
4.79
3.35
2.92
7.29
9.96
2.64
4.94
5.84
8.91
6.90
9.17
4.60
3.76
6.96
7.90
3.92
6.59
9.09
7.56
1.70
5.72
-2.78
3.57
5.64
2.32
1.90
4.40
2.87
4.66
1.97
3.91
1.03
-1.35
4.41
-1.41
3.21
1.25
4.66
0.18
-1.18
0.42
3.61
6.11
3.87
1.46
6.49

Rank 2 Yrs
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19

7.96
4.71
7.57
8.52
6.48
3.03
4.33
5.15
4.51
6.65
4.95
5.80
8.79
5.74
5.01
-9.25
5.59
8.32
3.49
2.94
2.84

Rank 3 Yrs Rank


20
2
24
17
25
56
1
11
9
12
7
55
27
38
40
13
3
42
26
21
6
15
4
29
35
14
8
32
16
5
10
46
22
57
37
23
43
45
31
41
28
44
33
49
53
30
54
39
48
28
51
52
50
36
19
34
47
18

4.92
11.77
5.93
4.41
4.68
-6.02
9.37
8.76
6.42
7.80
7.55
-10.43
8.75
2.03
3.00
7.70
8.97
5.20
6.68
7.11
9.87
7.85
8.93
6.28
2.94
8.21
8.63
4.94
6.55
-7.96
2.16
6.39
-3.92
6.66
3.86
3.18
3.32
6.72
6.86
7.27
3.39
7.35
1.29
0.95
8.20
-0.51
-0.34
1.38
6.12
4.89
0.79
-7.69
4.95
-4.90
7.67

34
1
30
38
37
54
3
6
26
13
17
55
7
46
43
14
4
31
23
20
2
12
5
28
44
9
8
33
25
-11
45
27
53
24
39
42
41
22
21
19
40
18
48
49
10
52
51
47
29
36
50
-15
32
-35
16

Rank 3 Yrs Rank


5
22
6
3
10
29
25
19
24
8
21
12
2
13
20
-1
15
4

5.65
0.21
7.70
8.19
8.05
4.86
6.72
6.01
8.68
6.93
4.32
8.65
9.11
6.31
6.41
--5.95
10.77
4.86
4.42
3.66

20
36
9
7
8
26
14
17
5
13
28
6
3
16
15
--19
1

5 Yrs
-5.23
10.51
2.81
--2.19
--3.83
-0.43
2.46
4.14
-17.65
6.27
-3.43
-1.22
--2.11
4.59
0.95
-5.23
3.83
4.53
1.36
-1.82
-4.12
5.90
0.56
-0.90
-1.33
-3.21
1.73
-3.74
2.07
-3.70
-2.95
0.80
1.35
2.33
-1.73
-0.62
-6.59
-5.45
4.05
-8.01
-0.34
1.27
2.51
0.52
-4.25
0.20
-2.23
-5 Yrs
0.89
-2.69
5.14
3.05
0.19
-1.09
1.48
-6.62
--1.98
6.88
3.75
0.86
3.88
--2.00
--0.06
-0.26
-0.65

Rank
42
1
12
-36
--10
29
14
8
46
2
39
32
-35
5
23
-4
10
6
19
34
41
3
25
31
-21
38
18
-11
17
40
37
24
20
15
33
30
44
43
9
45
-27
22
13
26
-7
28
-16
-Rank
13
24
4
9
16
20
12
-2
-23
1
8
14
7
--11
--

Report as on January 15, 2013


Sr.
No.
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44

Largecap Funds
ICICI Prudential Target Returns Fund
HDFC Growth Fund
Peerless Equity Fund
Taurus Bonanza Fund
DSP BR Top 100 Equity Fund
Franklin India Bluechip
IDFC Equity Fund
Kotak 50
LIC Nomura MF Top 100 Fund
DSP BR Focus 25 Fund
Reliance Quant Plus Fund
Religare AGILE Fund
Religare Business Leaders Fund
Reliance Vision
HSBC Equity Fund
DWS Alpha Equity Fund
UTI Top 100 Fund
IDFC Strategic Sector (5050) Equity Fund
Tata irement Savings Fund Progressive Plan
IDFC Imperial Equity Fund
Sahara Super 20 Fund
Sundaram Select Focus
Axis Focused 25 Fund
Indiabulls Blue Chip Fund
IDBI India Top 100 Equity Fund

Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41

Midcap Funds
Axis Midcap Fund
Principal Emerging Bluechip Fund
SBI Emerg Buss Fund
BNP Paribas Mid Cap Fund
Taurus Discovery Fund
Franklin India Smaller Companies Fund
Kotak Midcap Fund
Kotak Emerging Equity Scheme
SBI Magnum Midcap Fund
IDFC Sterling Equity Fund
Canara Robeco Emerging Equities
Mirae Asset Emerging Bluechip Fund
Religare Mid N Small Cap Fund
JPMorgan India Smaller Companies Fund
Franklin India High Companies Fund
Franklin India Prima Fund
Sundaram SMILE Fund
Religare Mid Cap Fund
HSBC Midcap Equity Fund
DSP BR Small and Midcap Fund
HDFC MidCap Opportunities Fund
UTI Mid Cap Fund
IDFC Premier Equity Fund
SBI Magnum Global Fund 94
HSBC Small Cap Fund
ING Midcap Fund
L&T Midcap Fund
Sundaram Select Midcap
Reliance Small Cap Fund
Reliance Growth Fund
Reliance LT Equity Fund
DSP BR Micro Cap Fund
ICICI Prudential MidCap Fund
Birla SL Mid Cap Fund Plan A
Quantum LongTerm Equity Fund
Edelweiss Select Midcap Fund
HDFC Capital Builder Fund
Birla SL Small & Midcap Fund
LIC Nomura MF India Vision Fund
Sahara Midcap Fund
Escorts High Yield Equity Plan

Sr.
No.
1
2
3
4
5
6
7
8

Opportunity Funds
Reliance Equity Opportunities Fund
L&T India Special Situations Fund
Tata Equity Opportunities Fund
Mirae Asset India Opportunities Fund
Morgan Stanley A.C.E Fund
HSBC Unique Opportunities Fund
Kotak Opportunities Fund
DSP BR Opportunities Fund
Indices
S&P Nifty
BSE Sensex
CNX Midcap

NAV

Launch Date

Gr
Div
15.53 15.53
97.70 31.22
11.88 11.89
45.41 45.41
113.47 22.81
244.05 40.16
17.44 12.61
114.20 32.54
8.47
8.47
11.36 11.36
14.70 12.01
7.52
7.53
13.31 12.11
275.63 38.89
109.23 27.48
79.88 17.39
31.64 24.58
15.07 14.91
12.20
20.20 13.25
12.59 12.59
91.81
9.93
12.04 12.04
10.93 10.93
12.19 12.19
NAV
Gr
13.91
34.74
61.57
12.62
17.88
17.38
30.58
14.08
27.83
22.39
27.85
14.21
18.01
9.20
14.99
334.60
34.54
17.77
21.06
20.41
19.05
36.35
40.50
69.36
10.83
24.55
43.10
174.05
10.84
511.98
17.40
17.77
34.91
120.14
26.08
11.86
120.61
13.29
9.38
32.54
14.55

Launch Date
Div
13.91
26.47
19.86
12.57
17.87
16.09
19.29
13.15
21.35
15.02
19.22
12.99
18.00
9.20
13.78
39.48
12.34
14.73
11.26
15.91
17.26
24.78
26.68
32.62
10.08
15.20
20.75
19.69
10.84
55.78
14.38
10.79
17.38
22.53
26.30
11.86
23.38
12.88
9.38
14.39
11.23

NAV
Gr
45.13
22.05
90.91
19.26
16.11
11.89
51.29
93.06

28-May-2009
11-Sep-2000
28-Sep-2011
04-Aug-1995
10-Mar-2003
01-Dec-1993
09-Jun-2006
29-Dec-1998
07-Jan-2008
10-Jun-2010
18-Apr-2008
19-Dec-2007
21-Aug-2009
08-Oct-1995
10-Dec-2002
21-Jan-2003
18-Jan-1993
03-Oct-2008
01-Nov-2011
16-Mar-2006
31-Jul-2009
30-Jul-2002
29-Jun-2012
10-Feb-2012
15-May-2012

18-Feb-2011
12-Nov-2008
17-Sep-2004
02-May-2006
03-Jan-1996
13-Jan-2006
24-Feb-2005
30-Mar-2007
29-Mar-2005
07-Mar-2008
11-Mar-2005
09-Jul-2010
17-Mar-2008
26-Dec-2007
26-Jul-2007
01-Dec-1993
15-Feb-2005
19-Apr-2007
19-May-2005
14-Nov-2006
25-Jun-2007
09-Apr-2004
28-Sep-2005
30-Sep-1994
24-Mar-2008
30-May-2005
09-Aug-2004
30-Jul-2002
16-Sep-2010
08-Oct-1995
26-Dec-2006
14-Jun-2007
28-Oct-2004
03-Oct-2002
13-Mar-2006
29-Aug-2011
01-Feb-1994
31-May-2007
15-Jan-2007
31-Dec-2004
12-Dec-2006
Launch Date

Div
27.32
19.99
22.12
14.34
15.16
11.89
15.99
27.03

6056.6
19986.82
8684.25

31-Mar-2005
22-May-2006
25-Feb-1993
04-Apr-2008
03-Apr-2008
21-Mar-2007
09-Sep-2004
16-May-2000

Absolute %
QAAUM
3 Mth Rank 6 Mth Rank
(Dec12)
(in Crs)
111.32
8.22
22 18.19
15
1268.09
6.68
31 16.27
29
29.71
9.10
10 18.24
14
32.29
8.30
19 18.66
10
3568.99
8.59
13 16.92
24
5040.43
9.53
8 16.42
28
353.01
5.37
37 14.89
34
779.72
9.80
7 18.11
17
202.47
6.91
30 16.61
26
382.08 12.20
1 24.57
1
117.53
7.11
27 16.90
25
54.43
2.45
42 14.29
37
28.63
6.23
33 16.04
30
1985.53
4.57
40
9.54
42
624.17
6.99
29 15.28
31
77.88
5.19
39 15.22
32
645.64
2.26
43 14.97
33
17.40
9.93
6 14.71
35
21.30
5.24
38 12.79
40
223.83
6.18
34 14.14
38
1.12
4.52
41 12.37
41
640.17
7.86
24 16.47
27
147.41
9.95
5 20.64
7
5.80
6.63
32 17.27
21
49.39
7.50
25 17.10
22
QAAUM
3 Mth Rank 6 Mth Rank
(Dec12)
(in Crs)
115.51 15.44
1 30.24
1
283.33 11.96
6 25.60
6
989.23 14.72
2 27.03
4
34.06 11.44
9 22.85
11
26.49 11.06
11 30.23
2
334.97 10.90
12 26.53
5
285.98 11.08
10 22.78
13
56.33 11.88
7 24.36
8
224.17 13.41
3 27.43
3
1305.49
9.30
21 19.69
22
39.94
9.17
22 18.26
26
127.57
9.77
19 22.79
12
23.69 11.59
8 23.78
9
138.61
9.49
20 21.42
19
581.33 13.08
4 23.47
10
5 25.01
7
788.24 12.70
433.97
6.98
32 17.10
30
53.45 10.37
14 22.30
15
106.17
6.28
33 15.39
34
1265.39 10.33
15 22.24
16
2570.09
7.05
30 15.75
31
288.64
8.28
24 18.33
25
3396.71 10.28
16 21.56
17
944.42 10.04
18 21.22
20
19.68
5.59
38 18.47
24
29.83 10.74
13 21.06
21
55.32
7.43
27 15.64
33
2130.05
6.07
35 19.69
22
416.59
0.69
41 13.71
38
5686.98
9.09
23 21.55
18
1052.62
6.27
34 17.24
29
473.04
4.63
39 15.27
35
248.94
5.60
37 14.99
37
1250.97
7.78
26 18.72
23
140.04
7.37
28 17.96
27
3.39 10.22
17 22.77
14
480.54
6.02
36 15.10
36
115.66
6.99
31 15.74
32
42.39
7.98
25 17.78
28
10.91
4.42
40 12.98
39
3.87
7.09
29 12.34
40
QAAUM
3 Mth Rank 6 Mth Rank
(Dec12)
(in Crs)
4611.40
8.72
5 19.91
3
643.49
9.58
2 19.41
4
412.04
8.44
6 16.46
9
279.00
9.05
3 20.26
2
239.08
8.14
7 19.27
5
63.28
6.20
11 16.00
10
744.01
7.92
8 18.77
7
564.69 11.13
1 22.88
1
6.49
6.8
9.42

16.53
16.86
17.51

Compounded Annualised %
1 Yr
26.08
25.80
25.73
25.71
25.62
24.93
24.77
24.62
24.49
24.45
24.30
23.41
23.06
22.62
21.90
21.80
21.44
20.93
20.70
19.94
19.50
18.90
---1 Yr
50.05
50.03
48.45
48.18
47.37
45.10
42.45
41.78
41.71
41.63
41.17
40.09
39.92
39.86
39.29
39.09
38.17
37.10
36.80
35.80
34.32
34.32
34.22
34.10
33.93
33.90
33.41
32.78
32.34
32.31
31.89
31.78
31.59
31.45
31.22
29.38
27.79
27.57
27.56
23.61
18.59
1 Yr
40.43
34.79
31.50
30.94
29.76
29.18
28.40
27.92
24.19
23.39
30.55

Rank 2 Yrs
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
----

5.24
6.20
-2.74
6.55
6.73
4.13
5.71
0.88
4.59
3.90
5.31
4.06
1.39
2.42
0.71
5.15
2.11
-2.29
5.38
0.90
----

Rank 2 Yrs
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40

-5.84
24.03
15.55
7.29
10.38
9.99
9.45
8.93
11.64
10.65
16.34
12.60
8.91
8.70
10.83
3.00
12.24
-2.87
7.29
11.10
7.69
11.79
12.72
-7.81
8.11
3.24
6.91
5.37
4.43
5.35
6.02
2.96
4.55
8.13
-4.09
4.35
0.73
2.34
0.79

Rank 2 Yrs
1
2
3
4
5
6
7
8

12.48
8.95
7.15
9.23
3.50
1.99
5.22
3.27
3.49
2.94
2.84

Rank 3 Yrs Rank


18
11
-30
9
7
26
14
36
23
28
17
27
34
31
37
19
33
-32
16
35
----

7.35
9.38
-3.51
6.94
8.77
5.43
5.98
0.49
-7.56
5.35
4.99
2.54
4.66
2.35
5.22
5.13
-3.78
4.07
1.41
----

11
2
-31
12
4
21
18
35
-10
22
25
32
27
33
23
24
-30
29
34
----

Rank 3 Yrs Rank


-24
1
3
21
12
13
14
15
8
11
2
5
16
17
10
32
6
37
21
9
20
7
4
38
19
31
22
25
28
26
23
33
27
18
-30
29
36
34
35

-6.05
21.42
13.95
5.26
8.74
11.12
8.81
4.87
11.98
12.66
-15.41
10.49
6.83
9.08
1.20
12.46
-2.13
9.67
13.94
7.33
13.04
10.88
-0.65
7.26
4.68
6.88
-5.12
6.80
11.50
3.62
3.32
11.38
-8.20
4.72
1.74
4.86
5.99

-24
1
3
26
17
11
16
28
8
6
-2
13
22
15
35
7
37
14
4
19
5
12
36
20
31
21
-27
23
9
32
33
10
-18
30
34
29
25

Rank 3 Yrs Rank


1
3
4
2
8
10
6
9

14.43
10.01
3.55
9.70
5.64
4.46
5.73
6.57
4.86
4.42
3.66

1
2
12
4
8
9
7
5

5 Yrs
-4.43
--4.88
4.22
5.37
0.45
0.14
-3.43
---5.46
--0.62
-1.01
-1.11
-1.53
--2.51
--2.80
---5 Yrs
--4.04
-3.27
-10.55
0.81
0.05
-3.07
-4.95
-2.11
---2.17
1.21
1.82
0.66
2.54
-7.39
5.11
7.89
2.14
7.54
1.07
--1.36
0.22
3.81
-1.93
1.88
3.02
-4.82
1.26
9.56
-2.97
-0.20
-10.72
0.99
0.19
5 Yrs
7.89
3.79
-2.24
---5.56
-1.11
0.80
-0.06
-0.26
-0.65

Rank
-5
-27
6
3
15
17
26
--28
-18
19
21
22
--10
-25
---Rank
--5
28
32
19
23
27
30
-11
--26
16
14
20
9
31
4
2
10
3
17
-25
21
6
-12
13
7
29
15
1
-8
24
33
18
22
Rank
1
3
7
--13
5
4

Report as on January 15, 2013


Absolute %
Sr.
No.
9
10
11
12
13
14
15
16

Opportunity Funds
Birla SL India Opportunities Fund
Franklin India Opportunities Fund
Birla SL Special Situations Fund
UTI Opportunities Fund
DWS Investment Opportunity Fund
HSBC India Opportunities Fund
LIC Nomura MF Opportunities Fund
HSBC Dynamic Fund

Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22

Thematic Funds
Birla SL India GenNext Fund
Canara Robeco FORCE Fund
Birla SL Buy India Fund
HSBC Progressive Themes Fund
Birla SL MNC Fund
UTI Srvs. Inds. Fund
ICICI Prudential Service Inds. Fund
Sundaram Rural India Fund
UTI India Lifestyle Fund
UTI MNC Fund
Tata Ethical Fund
Birla SL India Reforms Fund
Sahara R.E.A.L Fund
Reliance Diversified Power Sector Fund
Taurus Ethical Fund
Reliance Natural Resources Fund
Sahara Power & Natural Resources Fund
Escorts Power and Energy Fund
UTI Energy Fund
Sundaram Energy Opportunities Fund
DSP BR Natural Resources & New Energy Fund
SBI Magnum COMMA Fund

Sr.
No.
1
2
3
4
5

Contra Funds
SBI Contra Fund
Kotak Classic Equity
Religare Contra Fund
UTI Contra Fund
Tata Contra Fund

Sr.
No.
1
2
3
4
5
6
7
8
9

Dividend Yield Funds


Principal Dividend Yield Fund
BNP Paribas Dividend Yield Fund
L&T India Value Fund
Birla SL Dividend Yield Plus
Tata Equity P/E Fund
ING Dividend Yield Fund
Tata Dividend Yield Fund
UTI Dividend Yield Fund
Sahara Star Value Fund

Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21

Balanced Funds
SBI Magnum Balanced Fund
Reliance RSF Balanced
ICICI Prudential Balanced
Principal Balanced Fund
Tata Balanced Fund
Canara Robeco Balance
HDFC Prudence Fund
UTI Balanced Fund
Birla SL 95
HDFC Balanced Fund
Kotak Balance
FT India Balanced Fund
Sundaram Balanced Fund
DSP BR Balanced Fund
JM Balanced
LIC Nomura Balanced Plan C
Baroda Pioneer Balance Fund
Tata irement Savings Fund Moderate Plan
ING Balanced Fund
Escorts Opportunities Fund
Escorts Balanced Fund

Indices
S&P Nifty
BSE Sensex
CNX Midcap

NAV
Gr
53.95
33.77
10.27
32.47
37.79
38.78
19.09
10.84

Launch Date
Div
16.27
13.67
10.27
15.37
26.19
18.27
10.86
10.84

NAV
Gr
32.05
16.51
49.35
12.64
262.67
65.86
19.80
17.37
14.21
73.99
75.37
10.02
8.53
59.72
24.20
10.42
11.80
11.89
9.69
7.48
13.38
21.30

Launch Date
Div
16.79
15.40
24.90
10.75
89.04
28.32
14.89
12.57
14.21
45.51
45.24
10.02
8.53
33.92
16.35
10.42
10.06
8.51
10.99
7.48
10.94
14.39

NAV
Gr
60.80
23.92
17.89
13.84
19.83

27-Dec-1999
21-Feb-2000
31-Jan-2008
20-Jul-2005
29-Jan-2004
24-Feb-2004
18-Mar-2005
24-Sep-2007

05-Aug-2005
14-Sep-2009
15-Jan-2000
23-Feb-2006
22-Apr-1994
27-May-1999
30-Nov-2005
12-May-2006
24-Aug-2007
15-Apr-1998
24-May-1996
25-Jun-2010
27-Nov-2007
08-May-2004
06-Apr-2009
22-Feb-2008
17-Jun-2008
15-Oct-2008
15-Jul-1999
01-Jan-2008
25-Apr-2008
08-Aug-2005
Launch Date

Div
17.78
18.11
13.83
12.78
16.35

NAV
Gr
Div
26.87 19.83
21.56
12.56 12.57
96.88 13.94
51.97
26.45 16.40
38.52 19.86
35.39 14.22
12.19 11.15
NAV
Gr
Div
58.05 26.01
26.29 14.78
57.53 17.45
34.82 17.60
100.34 60.03
72.56 61.14
246.41 29.57
89.54 23.07
355.45 115.75
65.26 20.38
23.86
56.14 18.14
51.22 11.37
73.38 22.49
24.84 17.72
60.48
30.83 30.83
12.07
27.73 19.39
30.70 10.87
62.59 11.74

6056.6
19986.82
8684.25

05-Jul-1999
27-Jul-2005
11-Apr-2007
22-Mar-2006
14-Nov-2005
Launch Date
15-Oct-2004
15-Sep-2005
08-Jan-2010
26-Feb-2003
29-Jun-2004
24-Oct-2005
22-Nov-2004
23-May-2005
14-Sep-2009
Launch Date
09-Oct-1995
08-Jun-2005
03-Nov-1999
14-Jan-2000
08-Oct-1995
01-Feb-1993
01-Feb-1994
20-Jan-1995
10-Feb-1995
11-Sep-2000
25-Nov-1999
10-Dec-1999
23-Jun-2000
27-May-1999
01-Apr-1995
03-Feb-1999
12-Sep-2003
01-Nov-2011
25-Apr-2000
09-Mar-2001
04-Apr-2001

QAAUM
(Dec12)
(in Crs)
40.74
318.33
170.35
3406.53
80.54
247.69
30.76
145.14
QAAUM
(Dec12)
(in Crs)
110.28
118.81
39.73
167.27
364.13
223.69
157.42
160.19
378.49
253.61
110.55
63.81
4.92
2154.23
24.99
1512.34
3.20
0.98
314.14
668.46
96.27
370.14
QAAUM
(Dec12)
(in Crs)
2658.25
74.81
60.79
148.04
90.88
QAAUM
(Dec12)
(in Crs)
110.70
17.08
66.73
1361.87
549.05
79.48
345.09
3682.39
1.51
QAAUM
(Dec12)
(in Crs)
359.27
556.47
381.15
16.33
445.62
202.95
6239.17
951.38
559.40
991.18
51.65
209.15
50.67
644.74
7.55
19.71
8.41
8.02
20.08
46.50
1.36

Compounded Annualised %

3 Mth Rank 6 Mth Rank


4.78
8.77
7.03
5.18
5.44
5.44
6.54
5.68

15
4
9
14
13
13
10
12

12.12
18.00
19.00
14.98
15.67
12.63
14.94
12.75

16
8
6
12
11
15
13
14

3 Mth Rank 6 Mth Rank


10.21
11.33
10.18
8.68
5.03
9.53
11.93
9.34
7.16
4.97
6.15
6.14
6.16
2.82
4.36
6.30
0.14
0.34
1.89
1.53
0.53
-1.93

3
2
4
7
13
5
1
6
8
14
11
12
10
16
15
9
21
20
17
18
19
22

25.10
22.21
24.21
18.67
14.76
17.33
21.55
21.69
15.72
11.72
19.37
14.25
13.40
10.27
14.37
8.11
6.15
5.48
7.07
6.19
5.46
5.76

1
3
2
7
10
8
5
4
9
14
6
12
13
15
11
16
19
21
17
18
22
20

3 Mth Rank 6 Mth Rank


10.61
6.24
7.71
9.49
7.12

1
5
3
2
4

18.89
16.41
19.03
17.69
14.81

2
4
1
3
5

3 Mth Rank 6 Mth Rank


8.74
11.07
10.06
7.06
7.54
7.74
8.39
5.86
1.29

3
1
2
7
6
5
4
8
9

19.79
20.49
20.38
15.75
18.28
17.66
14.06
13.50
8.59

3
1
2
6
4
5
7
8
9

3 Mth Rank 6 Mth Rank


9.86
7.82
9.10
8.37
5.98
6.44
7.22
6.53
7.68
4.93
5.30
8.01
6.14
7.23
5.95
4.35
6.13
4.98
5.16
1.94
1.73

6.49
6.8
9.42

1
5
2
3
13
10
8
9
6
18
15
4
11
7
14
19
12
17
16
20
21

19.54
16.43
18.84
16.92
14.91
12.76
14.58
15.80
16.26
11.09
13.72
14.55
12.08
13.98
14.24
11.43
12.64
11.42
11.77
4.68
3.67

16.53
16.86
17.51

1
4
2
3
7
13
8
6
5
19
12
9
15
11
10
17
14
18
16
20
21

1 Yr
25.16
25.06
24.44
24.09
22.94
22.66
22.32
19.31
1 Yr
41.68
40.02
37.54
37.46
33.15
31.31
31.29
30.09
28.86
27.00
25.86
25.17
24.46
16.03
15.47
14.62
10.91
10.63
9.71
9.02
6.69
6.16
1 Yr
31.47
29.80
28.80
26.89
24.13
1 Yr
38.24
34.93
34.15
27.41
26.30
26.05
25.43
21.13
17.71
1 Yr
32.76
30.67
30.06
30.03
28.80
25.89
25.81
25.10
23.75
23.65
23.28
22.97
22.23
21.95
21.84
20.95
19.99
19.59
18.05
13.77
13.19

24.19
23.39
30.55

Rank 2 Yrs
9
10
11
12
13
14
15
16

-2.02
3.64
0.97
9.23
-0.03
5.52
0.19
1.83

Rank 2 Yrs
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22

16.22
11.23
7.85
0.44
12.57
5.24
7.66
7.17
11.34
12.90
7.00
-0.05
0.84
-11.13
1.65
-1.20
-4.56
-13.73
-5.49
-3.90
-4.11
-7.05

Rank 2 Yrs
1
2
3
4
5

3.59
6.33
5.14
-0.25
5.77

Rank 2 Yrs
1
2
3
4
5
6
7
8
9

7.35
10.43
5.80
7.05
3.82
7.16
6.85
4.86
1.84

Rank 2 Yrs
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21

6.93
8.27
12.54
6.70
11.03
9.84
8.52
5.21
7.50
9.72
7.40
8.08
2.80
5.81
3.97
3.19
2.94
-4.58
5.11
0.74

3.49
2.94
2.84

Rank 3 Yrs Rank


15
7
12
2
14
5
13
11

1.06
3.84
0.95
9.89
0.56
6.17
1.81
3.85

14
11
15
3
16
6
13
10

Rank 3 Yrs Rank


1
5
6
13
3
10
7
8
4
2
9
14
12
21
11
15
18
22
19
16
17
20

16.25
14.76
9.97
-2.12
15.60
5.36
6.98
6.97
12.34
14.50
7.12
-1.87
-9.52
4.70
-1.02
-4.16
-13.15
-5.68
-6.00
-0.21
-5.42

1
3
6
15
2
10
8
9
5
4
7
-12
20
11
14
16
21
18
19
13
17

Rank 3 Yrs Rank


4
1
3
5
2

2.10
5.50
4.82
-0.55
7.08

4
2
3
5
1

Rank 3 Yrs Rank


2
1
6
4
8
3
5
7
9

8.71
10.94
7.53
10.55
4.66
9.43
11.02
8.04
1.46

5
2
7
3
8
4
1
6
9

Rank 3 Yrs Rank


10
6
1
11
2
3
5
13
8
4
9
7
19
12
16
17
18
-15
14
20

6.04
10.11
12.19
4.85
9.56
9.94
11.28
6.23
9.00
12.15
6.55
8.21
3.48
6.50
4.73
2.46
5.36
-5.35
5.49
0.68

4.86
4.42
3.66

12
4
1
16
6
5
3
11
7
2
9
8
18
10
17
19
14
-15
13
20

5 Yrs
-2.12
-2.84
-6.30
-3.22
-2.52
-5.11
-3.00
5 Yrs
6.12
-6.42
-9.16
12.36
-2.07
-3.86
-2.55
4.03
11.26
-0.65
--5.63
-6.56
-----8.61
-5.40
--5.91
5 Yrs

Rank
6
9
-2
11
8
12
10
Rank
4
-3
15
1
7
9
8
5
2
6
-11
13
----14
10
-12
Rank

0.15
1.69
5.11
0.72
2.62
5 Yrs

5
3
1
4
2
Rank

2.82
6.46
-9.10
3.06
8.06
6.46
6.50
-5 Yrs
2.60
9.20
4.22
1.74
5.57
6.32
8.81
3.57
5.93
9.39
1.96
4.26
2.26
5.02
-5.61
-3.55
-2.06
-0.96
-2.99
-4.04

-0.06
-0.26
-0.65

6
4
-1
5
2
4
3
-Rank
11
2
9
14
6
4
3
10
5
1
13
8
12
7
20
18
16
-15
17
19

Report as on January 15, 2013


Absolute %
Sr.
No.
1
2
3
4
5
6
7
8
9
10
11

Gold FoFs
HDFC Gold Fund
Quantum Gold Savings Fund
ICICI Prudential Gold Savings Fund
SBI Gold Fund
Religare Gold Fund
Kotak Gold Fund
Axis Gold Fund
Reliance Gold Savings Fund
IDBI Gold Fund
Birla SL Gold Fund
Canara Robeco Gold Savings Fund

Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14

Global Funds
Mirae Asset IndiaChina Consumption Fund
ICICI Prudential Indo Asia Equity Fund
L&T Indo Asia Fund
Birla SL International Equity Fund Plan B
Birla SL International Equity Fund Plan A
Franklin Asian Equity Fund
Tata Growing Economies Infra Fund Plan A
Birla SL Commodity Equities Fund GA
Tata Growing Economies Infra Fund Plan B
Tata IndoGlobal Infra Fund
Mirae Asset Global Commodity Stocks Fund
Birla SL Commodity Equities Fund GMC
Birla SL Commodity Equities Fund GPM
ICICI Prudential US Bluechip Equity Fund

Sr.

Domestic FoFs

No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

ING 5 Star Multi Manager FoF Scheme


Quantum Equity FoF
Kotak Equity FOF
FT India Life Stage 20s Plan
ING Financial Planning Fund Aggressive
IDFC Asset Allocation FoF Aggressive
FT India Dynamic PE Ratio FoF
FT India Life Stage 30s Plan
ICICI Prudential Very Aggressive Plan
ICICI Prudential Aggressive Plan
ICICI Prudential Moderate Plan
Birla SL AAF Aggressive Plan
ING Financial Planning Fund Prudent
IDFC Asset Allocation FoF Moderate
Birla SL AAF Moderate Plan
FT India Life Stage 40s Plan
ING Income MultiMgr FoF Scheme 30% EQ Plan
ING Asset Allocator Multi Manager FoF Scheme
ING Income MultiMgr FoF Scheme 15% EQ Plan
FT India Life Stage 50s Plus Plan
IDFC Asset Allocation FoF Conservative
Birla SL AAF Conservative Plan
ING Financial Planning Fund Conservative
FT India Life Stage 50s Plus Floating Rate Plan
ING Active Debt Multi Manager FoF Scheme
ICICI Prudential Cautious Plan
ING Financial Planning Fund Cautious
ICICI Prudential Very Cautious Plan
IDFC ASBF
Quantum Multi Asset Fund

Sr.

Overseas FoFs

No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

JPMorgan JF Asean Equity Offshore Fund


JPMorgan JF Greater China Equity Offshore Fund
ING Global Real Estate Fund
Kotak Global Emerging Market Fund
Mirae Asset China Advantage Fund
JPMorgan Emerging Europe ME & Africa Equity Off
DWS Global Agribusiness Offshore Fund
Principal Global Opportunities Fund
L&T Global Real Assets Fund
HSBC Emerging Markets Fund
DWS Global Thematic Offshore Fund
Sundaram Global Advantage Fund
DSP BR World Agriculture Fund
ING Latin America Equity Fund
HSBC Brazil Fund
DSP BR World Energy Fund
Indices
S&P Nifty
BSE Sensex
CNX Midcap

NAV

Launch Date

Gr
Div
11.00
-13.65
11.23 11.23
10.68 10.68
10.41 10.41
14.16 14.16
11.36 11.37
14.20 14.20
10.03
10.75
10.10 10.10
NAV
Gr
13.69
12.48
15.29
10.46
12.26
13.46
13.25
18.32
11.61
7.44
12.78
14.15
12.05
11.12

01-Nov-2011
19-May-2011
11-Oct-2011
12-Sep-2011
05-Dec-2011
25-Mar-2011
20-Oct-2011
07-Mar-2011
14-Aug-2012
20-Mar-2012
25-Jun-2012
Launch Date

Div
13.69
12.48
15.29
10.46
12.26
13.46
13.25
17.16
11.61
7.44
12.78
13.30
12.05
11.13

NAV
Gr
Div
17.41 15.06
15.54 15.55
39.62 38.56
42.66 27.18
11.59 11.58
13.41 12.69
46.77 35.33
32.69 21.94
39.57 39.57
36.11 36.11
29.39 29.39
36.89 36.89
11.74 11.31
13.25 12.77
32.00 32.00
27.19 14.10
15.07
15.03 13.85
13.99
21.71 12.92
12.60 11.89
23.84 23.84
11.73 11.24
22.46 13.50
16.10 11.31
21.62 21.62
11.69 11.10
17.47 17.47
17.76
10.90
NAV
Gr
Div
14.22
14.40
13.97 13.98
12.38 12.38
12.10 12.10
11.18
14.69 14.69
22.25 22.25
16.04 16.04
11.29 11.29
10.28 10.28
13.94 13.94
12.63 12.63
11.39 11.38
9.99
9.99
11.55 11.55
6056.6
19986.82
8684.25

29-Mar-2011
18-Oct-2007
28-May-2007
31-Oct-2007
31-Oct-2007
16-Jan-2008
10-Apr-2008
07-Nov-2008
10-Apr-2008
12-Nov-2007
20-Aug-2008
07-Nov-2008
07-Nov-2008
06-Jul-2012
Launch Date
16-Jan-2007
20-Jul-2009
09-Aug-2004
01-Dec-2003
09-May-2011
11-Feb-2010
05-Nov-2003
01-Dec-2003
18-Dec-2003
18-Dec-2003
18-Dec-2003
23-Jan-2004
09-May-2011
11-Feb-2010
23-Jan-2004
01-Dec-2003
02-May-2006
17-Aug-2006
02-May-2006
01-Dec-2003
11-Feb-2010
23-Jan-2004
09-May-2011
09-Jul-2004
28-Dec-2006
18-Dec-2003
09-May-2011
18-Dec-2003
13-Sep-2004
11-Jul-2012
Launch Date
01-Jul-2011
26-Aug-2009
31-Dec-2007
26-Sep-2007
05-Nov-2009
08-Nov-2010
13-May-2010
29-Mar-2004
11-Feb-2010
17-Mar-2008
11-Sep-2007
22-Aug-2007
19-Oct-2011
07-Aug-2008
06-May-2011
14-Aug-2009

QAAUM
(Dec12)
(in Crs)
366.78
6.42
108.22
854.46
28.73
583.50
134.42
2414.25
99.39
67.07
59.33
QAAUM
(Dec12)
(in Crs)
16.29
162.78
298.56
216.70
61.49
181.95
21.01
11.01
75.71
575.09
29.45
10.82
4.71
78.76
QAAUM
(Dec12)
(in Crs)
1.08
2.96
24.99
10.67
36.14
88.24
1298.87
7.43
5.55
7.27
5.31
9.98
8.27
78.09
6.49
11.83
1.86
3.87
0.40
11.89
25.33
5.16
7.77
65.54
326.62
3.35
2.00
1.69
4.27
2.27
QAAUM
(Dec12)
(in Crs)
248.25
76.79
42.02
59.92
32.04
3.46
131.94
32.96
63.39
26.87
11.63
51.38
42.43
10.50
225.53
132.50

Compounded Annualised %

3 Mth Rank 6 Mth Rank


-1.87
-1.58
-1.58
-1.85
-2.26
-2.33
-1.91
-2.88
-1.62
-0.89
-1.37

6
3
3
5
8
9
7
10
4
1
2

4.21
4.06
5.12
3.77
3.62
3.81
3.63
2.59
-4.42
3.93

3
4
1
7
9
6
8
10
-2
5

3 Mth Rank 6 Mth Rank


9.39
10.34
7.32
7.09
8.42
12.65
6.71
9.46
2.70
1.57
7.45
5.99
-10.21
6.92

4
2
7
8
5
1
10
3
12
13
6
11
14
9

22.42
19.43
15.86
16.12
11.46
16.39
9.98
11.46
10.29
7.35
12.77
10.41
5.73
10.54

1
5
3
2
6
13
8
7
20
17
18
11
14
16
12
15
9
4
10
22
24
19
26
25
21
28
27
29
30
23

19.86
17.34
18.41
15.40
14.93
12.12
11.80
12.27
11.86
11.38
10.82
13.41
10.89
9.98
12.31
10.13
10.89
15.24
9.76
7.99
7.41
8.36
7.44
6.55
7.30
6.98
5.67
4.67
4.07
9.59

1
3
2
4
6
10
12
9
11
13
15
7
14
17
8
16
14
5
18
21
23
20
22
26
24
25
27
28
29
19

3 Mth Rank 6 Mth Rank


11.77
15.24
8.63
11.87
14.14
10.41
9.79
12.44
8.30
13.79
10.90
9.26
8.96
8.58
7.46
2.71
6.49
6.8
9.42

6
1
12
5
2
8
9
4
14
3
7
10
11
13
16
20

14.94
20.07
8.46
20.40
19.63
13.10
11.63
15.92
13.53
19.34
14.10
14.00
9.70
13.22
14.40
4.50
16.53
16.86
17.51

10.46
10.07
9.57
9.27
9.16
9.08
9.08
8.65
---1 Yr

1 36.29
2 25.48
5 24.82
4 24.06
7 23.89
3 22.92
11 18.43
7 16.15
10 15.36
12 13.37
6 11.18
9
5.97
13 -11.03
8
--

3 Mth Rank 6 Mth Rank


10.40
7.73
8.14
8.56
7.33
5.51
6.57
6.71
4.55
4.91
4.90
6.21
5.39
5.00
6.10
5.34
6.47
8.01
6.39
4.17
3.83
4.69
3.44
3.51
4.34
3.33
3.37
2.35
2.02
3.90

1 Yr

6
2
19
1
3
12
14
5
10
4
8
9
17
11
7
21

1 Yr
29.18
28.32
26.58
23.82
23.28
21.09
19.02
18.92
18.85
18.64
18.00
17.59
17.40
17.29
17.22
16.63
16.01
15.41
14.61
13.98
13.33
13.18
12.79
12.26
11.71
11.42
10.46
8.83
8.77
-1 Yr
34.91
33.18
28.67
26.42
25.60
25.51
25.37
24.27
23.80
21.85
21.59
20.71
15.03
7.74
6.23
0.62
24.19
23.39
30.55

Rank 2 Yrs
1
2
3
4
5
6
6
7
----

------------

Rank 2 Yrs
1
2
3
4
5
6
7
8
9
10
11
12
13
--

-6.65
5.52
4.46
12.95
7.78
3.50
-0.83
-2.86
-2.80
-1.72
-3.14
-8.59
--

Rank 2 Yrs
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
--

6.81
5.16
3.00
7.70
-10.43
8.77
8.63
7.60
10.08
9.86
3.40
-10.91
6.34
8.66
8.51
-2.67
9.25
8.18
9.60
7.53
-8.03
10.15
8.85
-7.74
8.24
--

Rank 2 Yrs
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

-6.82
16.21
9.70
2.20
4.16
10.17
8.91
10.97
2.40
7.40
7.36
--2.61
--0.92
3.49
2.94
2.84

Rank 3 Yrs Rank


------------

------------

------------

Rank 3 Yrs Rank


-3
4
5
1
2
6
7
10
9
8
11
12
--

-8.87
8.46
4.93
11.44
9.16
4.50
5.55
-1.77
-2.66
0.47
2.37
-1.88
--

-3
4
6
1
2
7
5
10
12
9
8
11
--

Rank 3 Yrs Rank


20
22
24
17
-2
9
11
18
4
5
23
-1
21
10
12
25
7
14
6
19
-15
3
8
-16
13
--

7.70
6.84
3.88
8.54
--8.41
8.63
7.35
9.80
8.89
4.94
--6.31
8.26
6.70
-0.65
5.94
7.52
-6.86
-7.40
8.32
7.87
-6.48
6.81
--

9
14
21
4
--5
3
12
1
2
20
--18
7
16
22
19
10
-13
-11
6
8
-17
15
--

Rank 3 Yrs Rank


-8
1
4
11
9
3
5
2
10
6
7
-15
-12

-10.16
15.26
10.63
7.81
--10.69
-5.47
8.31
9.55
-2.68
-2.63
4.86
4.42
3.66

-4
1
3
7
--2
-8
6
5
-12
-13

5 Yrs

Rank

-----------5 Yrs

-----------Rank

-3.39
5.12
-0.51
4.43
7.26
----6.76
----5 Yrs
2.89
-0.44
6.42
--7.88
7.15
1.83
4.93
5.69
5.17
--6.10
7.99
4.35
-0.80
3.04
7.25
-7.25
-7.46
7.75
6.33
-6.59
7.57
-5 Yrs
--7.56
2.51
---5.00
--2.22
5.42
-----0.06
-0.26
-0.65

-4
2
5
3
1
---6
----Rank
17
-19
9
--2
7
18
14
12
13
--11
1
15
20
16
6
-6
-5
3
10
-8
4
-Rank
--1
5
---3
--6
2
-----

Report as on January 15, 2013


Absolute %
Sr.

Overseas FoFs

No.
17
18
19
20
21
22

ING Global Commodities Fund


DSP BR World Mining Fund
DSP BR World Gold Fund
PineBridge World Gold Fund Std
DSP BR US Flexible Equity Fund
FT India Feeder Franklin U.S. Opportunities Fund

Sr.

Tax Saving Funds

No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

Principal Tax Savings Fund


DSP BR Tax Saver Fund
HSBC Tax Saver Equity Fund
Reliance Tax Saver (ELSS) Fund
BNP Paribas Tax Advantage Plan
IDFC Tax Advantage (ELSS) Fund
Birla SL Tax Plan
Kotak Taxsaver
Birla SL Tax Relief 96
ICICI Prudential Taxplan
Principal Personal Taxsaver
Union KBC Tax Saver Fund
Quantum Tax Saving Fund
Sundaram Taxsaver
SBI Magnum Tax Gain Scheme 93
Axis LT Equity Fund
Canara Robeco Equity Taxsaver
Taurus Taxshield
Religare Tax Plan
Franklin India Taxshield
HDFC LT Advantage Fund
Edelweiss ELSS Fund
JM Tax Gain Fund
Sahara Taxgain
Tata Tax Saving Fund
HDFC Taxsaver
L&T Tax Advantage Fund
UTI Equity Tax Savings Plan
JPMorgan India Tax Advantage Fund
LIC Nomura Tax Plan
DWS Tax Saving Fund
Baroda Pioneer ELSS 96
BOI AXA Tax Advantage Fund
ING Tax Saving Fund
L&T Taxsaver Fund
Escorts Tax Plan

Sr.

Index Funds

No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26

IDBI Nifty Junior Index Fund


ICICI Prudential Nifty Junior Index Fund
Goldman Sachs S&P CNX 500 Fund
IDFC Nifty Fund
HDFC Index Fund Sensex Plus Plan
Reliance Index Fund Nifty Plan
Tata Index Fund Sensex Plan Option B
SBI Magnum Index Fund
Reliance Index Fund Sensex Plan
Tata Index Fund Nifty Plan Plan A
UTI Nifty Fund
Taurus Nifty Index Fund
IDBI Nifty Index Fund
LIC Nomura MF Index Fund Nifty Plan
Franklin India Index Fund NSE Nifty Plan
HDFC Index Fund Sensex Plan
HDFC Index Fund Nifty Plan
Canara Robeco Nifty Index
LIC Nomura MF Index Fund Sensex Plan
Principal Index Fund
Tata Index Fund Sensex Plan Plan A
Franklin India Index Fund BSE Sensex Plan
LIC Nomura MF Index Fund Sensex Advantage Pla
Birla SL Index Fund
ICICI Prudential Index Fund
IIFL Opportunities Index Fund

Sr.

FMCG Funds

No.
1 SBI FMCG Fund
2 ICICI Prudential FMCG
BSE FMCG
Indices
S&P Nifty
BSE Sensex
CNX Midcap

NAV
Gr
13.38
10.59
17.65
14.05
10.65
11.64

Launch Date
Div
13.37
10.59
14.45
11.65
10.65
11.64

NAV

Launch Date

Gr
Div
86.88
19.39 13.84
17.11 15.78
24.81 15.71
17.40 12.65
22.88 12.91
15.55 51.24
20.74 12.70
12.03 83.05
162.92 20.70
103.23
13.43 13.43
25.79 25.77
49.44 11.66
68.07 37.39
14.94 12.78
30.31 20.19
39.26 18.39
20.06 13.44
247.44 32.37
151.63 35.08
21.78 13.78
7.09
7.09
41.25 15.48
46.74
251.72 57.20
23.97 18.77
42.68 17.04
19.89 16.11
30.78 11.02
13.85 12.95
24.62
23.46 12.79
31.16 15.37
15.71 13.47
38.86
8.36
NAV

31-Mar-1996
18-Jan-2007
05-Jan-2007
22-Sep-2005
05-Jan-2006
26-Dec-2008
16-Feb-1999
21-Nov-2005
29-Mar-1996
19-Aug-1999
31-Mar-1996
23-Dec-2011
31-Dec-2008
22-Nov-1999
31-Mar-1993
29-Dec-2009
31-Mar-1993
31-Dec-1997
29-Dec-2006
10-Apr-1999
02-Jan-2001
30-Dec-2008
31-Mar-2008
01-Apr-1997
31-Mar-1996
13-Jun-1996
27-Feb-2006
15-Nov-1999
27-Jan-2009
03-Feb-1999
20-Mar-2006
31-Mar-1996
25-Feb-2009
28-Mar-2004
18-Nov-2005
31-Mar-2000
Launch Date

Gr
Div
9.88
9.88
11.06 11.06
20.55 12.86
11.86 11.96
255.50
10.02
16.09
51.81 26.54
9.79
36.24
37.78 19.23
11.34 11.34
11.42 10.89
33.70 12.43
47.66 47.66
166.96
52.27
32.03 21.26
37.58 12.88
41.31 24.28
48.57
56.43 56.43
35.13 12.43
59.14 22.86
56.40
11.85 11.85
NAV
Gr
49.16
104.64

17-Sep-2008
29-Dec-2009
14-Sep-2007
06-Jun-2008
03-Aug-2012
06-Feb-2012

20-Sep-2010
25-Jun-2010
06-Jan-2009
30-Apr-2010
17-Jul-2002
28-Sep-2010
25-Feb-2003
17-Jan-2002
28-Sep-2010
25-Feb-2003
14-Feb-2000
19-Jun-2010
25-Jun-2010
06-Dec-2002
26-Mar-2004
17-Jul-2002
17-Jul-2002
08-Oct-2004
06-Dec-2002
27-Jul-1999
25-Feb-2003
26-Mar-2004
06-Dec-2002
18-Sep-2002
26-Feb-2002
29-Jun-2012
Launch Date

Div
49.16
52.12

05-Jul-1999
31-Mar-1999

QAAUM
(Dec12)
(in Crs)
5.90
57.92
763.71
158.79
24.98
172.74
QAAUM
(Dec12)
(in Crs)
226.54
763.16
207.52
2104.51
96.46
160.30
129.05
422.33
1510.79
1467.98
429.52
44.99
8.48
1427.47
4788.61
369.05
506.77
94.34
129.26
905.21
857.66
10.42
37.78
12.31
130.77
3447.62
1202.92
475.28
4.47
33.40
54.44
26.33
40.05
27.50
29.55
3.36
QAAUM
(Dec12)
(in Crs)
47.34
7.14
50.24
12.05
89.52
73.73
6.73
40.93
3.05
7.06
174.06
0.84
153.68
35.39
275.83
37.91
70.50
4.34
23.90
14.88
6.73
71.48
4.05
28.53
92.77
23.93
QAAUM
(Dec12)
(in Crs)
149.20
214.37

Compounded Annualised %

3 Mth Rank 6 Mth Rank


4.44
7.72
-6.18
-7.62
5.08
6.74

19
15
21
22
18
17

11.02
12.25
8.32
10.35
-8.71

15
13
20
16
-18

3 Mth Rank 6 Mth Rank


11.50
10.50
9.04
7.62
11.42
10.28
8.49
9.26
8.58
9.67
8.30
10.17
7.37
8.49
5.88
5.99
7.74
7.98
8.02
9.56
7.13
7.29
6.64
5.64
7.02
8.21
6.29
4.76
5.34
7.02
5.90
6.63
4.13
7.67
5.08
1.45

1
3
9
18
2
4
11
8
10
6
12
5
19
11
28
26
16
15
14
7
21
20
23
29
22
13
25
32
30
22
27
24
33
17
31
34

22.75
21.23
20.58
16.04
19.40
21.11
20.54
18.96
20.71
19.40
18.23
20.56
17.82
18.22
15.94
16.22
15.83
17.83
17.31
17.30
15.20
17.92
19.20
11.35
15.39
16.16
15.47
13.39
14.37
15.25
15.95
15.53
13.22
15.36
12.86
4.81

1
2
5
20
8
3
7
10
4
8
11
6
15
12
22
18
23
14
16
17
29
13
9
34
26
19
25
31
30
28
21
24
32
27
33
35

3 Mth Rank 6 Mth Rank


12.98
12.12
7.37
6.60
6.07
6.46
6.90
6.23
6.72
6.27
6.46
6.17
6.33
6.19
6.24
6.73
6.35
6.20
6.50
6.61
6.47
6.54
6.45
6.02
6.02
8.06

1
2
4
9
23
13
5
19
7
17
13
22
16
21
18
6
15
20
11
8
12
10
14
24
24
3

23.95
22.56
17.17
16.70
16.15
16.60
17.05
16.50
16.93
16.20
16.70
16.26
16.17
16.02
16.23
16.69
16.33
15.98
16.62
15.59
16.35
16.55
15.62
15.68
15.57
16.08

1
2
3
6
18
9
4
11
5
16
6
14
17
20
15
7
13
21
8
24
12
10
23
22
25
19

3 Mth Rank 6 Mth Rank


4.80
-0.32

1
2

18.72
14.61

1
2

1 Yr
-0.32
-4.48
-8.39
-8.78
--1 Yr
40.27
37.19
36.90
36.03
34.85
34.23
32.95
32.83
32.77
31.97
31.52
31.44
31.09
30.87
30.23
29.61
29.11
28.38
27.77
27.72
27.69
26.84
25.75
25.08
24.91
24.26
24.20
24.18
23.61
23.42
23.11
21.88
21.68
21.18
20.41
7.16
1 Yr
37.86
35.46
26.53
26.34
25.53
25.38
24.80
24.80
24.78
24.78
24.74
24.52
24.17
24.10
24.09
24.03
24.03
23.91
23.83
23.69
23.60
23.45
23.36
23.30
23.05
-1 Yr
49.80
36.31

Rank 2 Yrs
17
18
19
20
---

-3.18
-8.34
-1.48
-1.21
---

Rank 2 Yrs
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

6.25
6.18
7.87
9.76
12.68
7.88
7.00
5.95
2.66
7.58
3.44
-7.73
5.26
6.17
11.02
8.19
5.05
7.42
9.31
4.56
6.58
0.47
4.86
6.34
4.03
4.51
3.16
3.61
1.96
-0.03
0.18
2.18
1.98
-1.40
-9.55

Rank 2 Yrs
1
2
3
4
5
6
7
7
8
8
9
10
11
12
13
14
14
15
16
17
18
19
20
21
22
--

5.45
5.16
3.01
5.42
6.03
4.41
3.86
3.71
3.07
3.73
3.60
2.57
3.34
3.92
3.58
2.96
3.26
3.62
3.31
3.50
2.95
3.06
3.06
2.65
3.69
--

Rank 2 Yrs
1
2

29.97
28.44

Rank 3 Yrs Rank


16
17
14
13
---

2.89
0.19
5.12
5.33
---

11
14
10
9
---

Rank 3 Yrs Rank


14
15
7
3
1
6
11
17
27
9
25
-8
18
16
2
5
19
10
4
21
12
31
20
13
23
22
26
24
30
33
32
28
29
34
35

5.49
7.52
7.17
9.79
9.84
9.35
5.72
6.63
3.06
9.17
4.12
-10.81
4.06
4.97
14.30
10.65
6.01
8.90
10.58
8.71
7.37
-1.73
7.19
6.42
7.35
8.85
4.32
7.08
3.10
0.57
1.86
-0.59
5.19
0.51
-7.09

22
12
16
6
5
7
21
18
29
8
26
-2
27
24
1
3
20
9
4
11
13
34
15
19
14
10
25
17
28
31
30
33
23
32
35

Rank 3 Yrs Rank


2
4
20
3
1
5
7
9
18
8
12
24
15
6
13
21
17
11
16
14
22
19
19
23
10
--

--2.71
-7.17
-5.27
5.04
-4.92
4.87
--5.21
4.95
4.43
4.42
4.91
4.83
4.78
4.38
4.63
4.28
4.21
5.22
--

--18
-1
-2
5
-7
9
--4
6
13
14
8
10
11
15
12
16
17
3
--

Rank 3 Yrs Rank


1
2

33.00
25.31

1
2

5 Yrs

Rank

--3.42
---5 Yrs
-5.98
0.99
2.04
4.58
-4.01
--1.29
-2.27
-3.32
4.94
-3.80
--1.53
0.04
-6.98
2.16
4.17
5.22
3.32
--3.87
0.22
4.52
4.61
-1.59
--4.38
-5.43
-3.28
--2.93
-3.05
-11.79
5 Yrs
----3.69
---0.58
--0.47
-0.33
---1.37
-0.17
-1.52
-1.53
-0.33
-1.26
-0.73
-0.82
0.13
-2.07
-0.92
0.71
-5 Yrs
22.79
13.65

5765.85

-0.47

17.85

40.51

26.76

27.23

19.6

6056.6
19986.82
8684.25

6.49
6.8
9.42

16.53
16.86
17.51

24.19
23.39
30.55

3.49
2.94
2.84

4.86
4.42
3.66

-0.06
-0.26
-0.65

--4
---Rank
27
13
11
5
24
-16
18
22
3
23
--12
15
-1
10
7
2
9
--8
14
6
4
17
-25
26
21
-19
20
28
Rank
----1
--7
-6
5
--12
4
13
14
5
11
8
9
3
15
10
2
-Rank
1
2

Report as on January 15, 2013


Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21

Infrastructure Funds
Franklin Build India Fund
DSP BR India Tiger Fund
Birla SL Infra Fund Plan A
HDFC Infra Fund
Taurus Infra Fund
UTI Infra Fund
L&T Infra Fund
ICICI Prudential Infra Fund
Sahara Infra Fund Variable Pricing
LIC Nomura MF Infra Fund
Sahara Infra Fund Fixed Pricing
Tata Infra Fund
Canara Robeco Infra Fund
Religare Infra Fund
SBI Infra Fund
PineBridge Infra and Economic Reform Fund Std
Reliance Infra Fund
Baroda Pioneer Infra Fund
BOI AXA Focused Infra Fund
Sundaram CAPEX Opportunities Fund
IDFC Infra Fund
CNX Infrastructure

Sr.

Auto Sector Funds

No.
1 UTI Transportation and Logistics Fund
Sr.

Banking Sector Funds


ICICI Prudential Banking and Financial Srvs. Fund
Reliance Banking Fund
Religare Banking Fund
Sahara Banking and Financial Srvs. Fund
UTI Banking Sector Fund
Sundaram Financial Srvs. Opportunities Fund
Taurus Banking & Financial Srvs. Fund
Baroda Pioneer Banking and Financial Srvs. Fund

No.
1
2
3
4
5

Infotech Funds
ICICI Prudential Technology Fund
SBI IT Fund
DSP BR Technology.com Fund
Birla SL New Millennium
Franklin Infotech Fund
Pharma Funds

No.
1 SBI Pharma Fund
2 Reliance Pharma Fund
3 UTI Pharma and Healthcare Fund
Media & Entertainment

No.
1 Reliance Media & Entet Fund
2 Sundaram Media & Entert Opp Fund
Sr.
No.
1
2
3
4

PSU Funds
Religare PSU Equity Fund
Sundaram PSU Opportunities Fund
Baroda Pioneer PSU Equity Fund
SBI PSU Fund

No.
1
2
3
4
5
6
7
8
9
10
11
12
13

NAV
Gr
33.30

Div
16.67

NAV
Gr
23.54
124.48
24.49
35.42
50.28
21.76
13.87
12.30

2.69

Div
23.07
45.16
18.98
15.09
23.17
13.95
13.87
12.30

13.38

22-Aug-2008
26-May-2003
14-Jul-2008
16-Sep-2008
09-Mar-2004
10-Jun-2008
22-May-2012
22-Jun-2012

Div
21.13
25.28
23.30
13.02
18.27

03-Mar-2000
05-Jul-1999
16-May-2000
15-Jan-2000
22-Aug-1998

Div
49.35
43.24
36.61

15.9

Equity Arbitrage Funds

Div
20.70
11.44

7.2

30-Sep-2004
16-Jun-2008
Launch Date

Div
9.53
9.29
7.61
8.61

ICICI Prudential Equity Volatility Advantage Fund


ICICI Prudential Blended Plan Option A
ICICI Prudential Equity Arbitrage Fund
Reliance Arbitrage Advantage Fund
JM Arbitrage Advantage Fund
IDFC Arbitrage Fund
Kotak Equity Arbitrage Fund
Religare Arbitrage Fund
IDFC Arbitrage Plus Fund
SBI Arbitrage Opportunities Fund
HDFC Arbitrage Fund
UTI Spread Fund
Birla SL Enhanced Arbitrage Fund

NAV
Gr
17.54
17.59
15.73
12.20
16.03
15.18
17.01
14.91
13.51
15.70
14.36
16.44
12.32

21.72

QAAUM
3 Mth Rank 6 Mth Rank
(Dec12)
(in Crs)
05-Jul-1999
61.69
5.16
2 15.85
1
05-Jun-2004
674.68
4.32
3 15.54
2
27-May-1999
103.87
5.20
1 11.67
3

Launch Date

NAV
Gr
10.56
10.20
7.61
8.61

21.52

QAAUM
3 Mth Rank 6 Mth Rank
(Dec12)
(in Crs)
105.13 11.15
4 20.74
3
38.34 12.26
2 22.72
2
42.76 13.46
1 24.97
1
46.09 11.27
3 18.62
5
107.06 10.40
5 18.74
4

Launch Date

NAV
Gr
39.71
14.49

25.63

QAAUM
3 Mth Rank 6 Mth Rank
(Dec12)
(in Crs)
195.45 16.30
1 29.98
1
1858.13 16.02
2 26.46
2
48.56 13.01
7 25.20
3
20.86 14.73
3 23.77
4
385.75 13.32
6 22.04
7
200.17 14.28
4 21.61
8
11.35 12.04
8 22.85
5
43.09 14.10
5 22.39
6
12.36

Launch Date

NAV
Gr
59.70
69.06
47.37

8.18

QAAUM
3 Mth Rank 6 Mth Rank
(Dec12)
(in Crs)
09-Mar-2004
55.22
9.43
1 17.21
1

Launch Date

NAV
Gr
21.13
25.28
32.55
19.94
68.03

Absolute %
QAAUM
3 Mth Rank 6 Mth Rank
(Dec12)
(in Crs)
61.83 11.42
1 21.00
1
1558.85
8.17
2 18.78
2
386.93
6.46
4 16.07
3
647.78
5.27
7 12.46
9
12.43
5.29
6 13.11
6
1885.41
4.81
8 13.65
5
33.33
4.21
10 10.96
11
1838.46
7.12
3 14.04
4
6.74
2.31
14
9.35
13
95.17
5.79
5 13.01
7
6.74
2.05
15
8.84
14
1026.56
0.21
18
7.82
16
107.07
-0.04
19
7.45
19
36.42
4.45
9 12.48
8
676.53
3.38
11 11.60
10
89.79
-1.53
21
9.96
12
616.92
2.67
13
7.65
17
27.30
3.19
12
8.60
15
16.85
1.20
16
7.53
18
219.37
-1.17
20
3.77
21
72.67
0.49
17
4.92
20

Launch Date

18-Nov-2009
11-Jan-2010
03-Oct-2010
07-Jul-2010

7632.84

BSE PSU

Sr.

2614.85

8141.72

BSE-HC

Sr.

04-Sep-2009
11-Jun-2004
17-Mar-2006
08-Jan-2008
05-Mar-2007
09-Mar-2004
27-Sep-2007
31-Aug-2005
03-Apr-2006
24-Mar-2008
03-Apr-2006
31-Dec-2004
02-Dec-2005
21-Nov-2007
06-Jul-2007
25-Feb-2008
17-Jul-2009
22-Jun-2010
05-Mar-2010
29-Sep-2005
08-Mar-2011

3822.61

BSE Teck

Sr.

Div
12.26
16.50
11.25
11.25
12.18
17.33
6.68
11.45
11.25
8.47
10.62
19.55
18.16
7.76
8.56
8.92
7.43
8.08
8.43
9.38
8.91

14759.32

BSE Bankex

Sr.

Gr
13.89
47.24
16.32
11.25
12.94
30.48
6.68
28.42
15.31
8.47
14.53
29.66
22.79
7.75
8.56
8.92
7.43
8.08
8.43
18.13
8.91

Launch Date

11613.98

BSE AUTO

No.
1
2
3
4
5
6
7
8

NAV

2.81

Launch Date
Div
13.84
13.13
13.08
12.20
10.40
12.37
10.72
12.20
11.88
12.02
10.80
13.52
12.03

30-Dec-2006
31-May-2005
30-Dec-2006
14-Oct-2010
18-Jul-2006
21-Dec-2006
29-Sep-2005
30-Apr-2007
09-Jun-2008
03-Nov-2006
23-Oct-2007
29-Jun-2006
24-Jul-2009

16.38

QAAUM
3 Mth Rank 6 Mth Rank
(Dec12)
(in Crs)
78.57 18.03
1 38.77
1
38.15 17.59
2 34.63
2
QAAUM
3 Mth Rank 6 Mth Rank
(Dec12)
(in Crs)
83.91
4.87
1
8.31
1
203.49
3.04
2
5.96
2
66.88
2.84
3
5.11
4
367.85
1.53
4
5.90
3
4.61

QAAUM
3 Mth Rank 6 Mth Rank
(Dec12)
(in Crs)
182.86
8.27
1 17.88
1
36.54
2.24
3
4.69
2
32.14
2.34
2
4.66
3
3.53
1.91
9
4.51
4
22.95
1.98
8
3.90
8
83.65
2.06
7
3.90
8
124.26
2.17
4
4.09
5
4.93
1.81
11
3.88
9
3.24
2.14
5
4.02
6
39.70
1.71
12
3.65
11
28.08
2.08
6
3.83
10
27.16
1.88
10
3.91
7
0.73
1.22
13
3.32
12

Compounded Annualised %
1 Yr
34.32
28.79
26.82
24.42
22.70
22.59
19.87
19.55
18.97
18.46
17.93
16.47
16.17
15.97
15.47
12.10
11.82
10.96
10.31
7.92
4.91

Rank 2 Yrs
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21

10.45

1 Yr
33.20

58.11
50.32
46.93
46.46
44.63
37.58
---

26.98
19.98
19.25
16.02
13.71

Rank 2 Yrs
1
2
3
4
5
6
---

35.38
27.93
22.65

1
2
3
4
5

48.76
31.09
1 Yr
15.36
10.19
9.63
7.34

32.38
10.67
10.28
10.16
9.58
9.56
9.53
9.34
9.33
9.25
9.02
8.76
7.50

1
2
3

15.22
11.07
7.50

1
2

19.58
-0.04

Rank 2 Yrs
1
2
3
4

-0.05
-3.72
-6.30
-5.78

1
3
2
5
4
6
---

1
2
3
4
5
6
7
8
9
10
11
12
13

13.21
9.01
8.74
9.06
8.56
8.59
8.51
8.26
7.93
8.62
8.07
8.52
7.11

17.38
18.15
16.41
14.09
14.94
11.04
---

2
1
3
5
4
6
---

14.14

1
2
4
5
3

12.79
6.93
0.13
0.40
6.33

1
2
5
4
3

17.55
16.03
14.92

1
2
3

16.35

12.21
-2.89

0.35
0.62
---

1
2

2
1
---

-8.39

12.12
8.23
8.19
-7.63
7.65
7.83
7.48
7.04
7.73
7.59
7.31
6.60

12.96

5 Yrs

Rank

-12.52
--6.48
----

-1
--2
----

5 Yrs

Rank

4.64
2.31
-1.52
-2.61
11.09

2
3
4
5
1

5 Yrs

Rank

9.98
19.76
15.26

3
1
2

5 Yrs

Rank

-0.02
-5 Yrs

1
-Rank

-----

-----

-5.82

Rank 3 Yrs Rank


1
3
4
2
7
6
9
10
12
5
11
8
13

Rank

14.33

Rank 3 Yrs Rank


1
2
4
3

5 Yrs

1.07

Rank 3 Yrs Rank


1
2

-4
3
-6
10
13
2
5
-7
9
1
8
11
----12
--

3.78

Rank 3 Yrs Rank


1
2
3

--4.66
-4.58
--5.28
-8.86
-11.93
-4.23
-5.27
--6.03
-7.33
-2.93
-7.04
-10.51
-----10.75
--

Rank

16.81

Rank 3 Yrs Rank

-6.52

Rank 2 Yrs

Rank 3 Yrs Rank

12.04

Rank 2 Yrs

11.43

5 Yrs

-15.27

15.97

0.11

Rank 2 Yrs

8.36

1 Yr

5.20
2.91
-1.67
-2.90
-0.09

1
3
7
4
9
15
12
6
13
10
14
11
2
8
16
5
18
--17
--

-10.62

11.58

33.6

1 Yr

16.59
12.25
13.21
11.00
11.01
7.14
---

Rank 2 Yrs

14.67

1 Yr

11.10

5.24
1.04
-2.02
-0.31
-2.91
-6.29
-4.83
-1.22
-5.17
-4.18
-5.98
-4.57
1.82
-2.14
-6.93
-0.60
-13.94
---10.83
--

Rank 3 Yrs Rank

11.98

43.58

1 Yr

1
3
5
6
11
12
13
7
8
14
10
15
2
9
16
4
20
18
17
19
--

-9.32

Rank 2 Yrs

36.01

1 Yr

8.14
1.21
-1.35
-1.68
-3.65
-4.61
-4.66
-2.42
-2.44
-4.68
-3.28
-5.30
1.23
-3.25
-6.05
-0.67
-13.99
-9.00
-7.34
-12.46
--

Rank 3 Yrs Rank

1
2
3
-7
6
4
9
11
5
8
10
12

5 Yrs
6.12
7.33
7.12
-7.15
6.66
7.27
6.93
-6.99
7.14
7.64
--

Rank
10
2
6
-4
9
3
8
-7
5
1
--

Report as on January 15, 2013


Sr.

Equity Arbitrage Funds

No.
14 Goldman Sachs Derivative Fund
15 Goldman Sachs Eqt. & Deriv. Opportunities Fund

NAV
Gr
Div
1640.90 1024.56
13.71 10.28

Simple Annualised %
Compounded Annualised
QAAUM
3 Mth Rank 6 Mth Rank 1 Yr Rank 2 Yrs Rank 3 Yrs Rank
(Dec12)
(in Crs)
18-Dec-2004
3.50
----------31-Oct-2007
1.38
-----------

Launch Date

5 Yrs

Rank

---

---

% Eq
Alloctn
13.55
14.67
17.12
9.38
14.73
14.88
9.61
18.78
15.06
15.27
11.31
13.72
12.80
11.36
13.86
9.37
4.86
4.16
18.19
17.59
% Eq
Alloctn
20.73
19.86
19.93
19.04
19.31
19.45
19.36
23.91
14.78
17.14
18.79
10.70
19.46
16.30
13.63
-10.42
13.55
% Eq
Alloctn
25.04
38.96
29.77
24.62
24.45
24.95
24.94
22.32
18.86
25.76
20.19
-30.18
24.73
19.31
Avg
Mtrty
(Yrs)
12.09
10.53
12.21
6.41
6.41
14.29
13.45
0.00
0.00
6.21
7.61
3.06
10.81
11.51
10.46
0.00
11.69
9.85

Expense
Ratio
2.18
2.21
2.63
2.00
2.02
2.16
1.32
1.75
1.80
2.08
1.67
2.25
1.96
2.24
2.25
2.00
2.25
2.45
1.98
2.30
Expense
Ratio
1.36
2.00
1.56
2.24
2.25
2.08
2.25
2.08
2.00
2.25
2.25
2.45
2.20
1.75
2.25
2.01
1.38
1.83
Expense
Ratio
2.15
1.78
2.10
1.96
2.27
1.54
1.94
2.02
2.25
2.10
2.25
1.67
2.25
2.25
2.25

Note : From Equity Diversified to Equity Arbitrage Funds, schemes are ranked on the basis of 1yr Compounded Annualised Return.

Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

MIP-15% Equity
SBI Magnum MIP
HSBC MIP Plan
BNP Paribas MIP
Tata Monthly Income Fund
ICICI Prudential MIP
Birla SL MIP
Birla SL MIP II Savings 5
HDFC Multiple Yield Fund Plan 2005
UTI Monthly Income Scheme
HDFC MIP STP
SBI Magnum MIP Floater
Baroda Pioneer MIP Fund
Sundaram MIP Conservative
Principal Debt Savings Fund MIP
JM MIP
Canara Robeco Yield Advantage Fund
ICICI Prudential MIP 5
DWS Income Advantage Fund
ING MIP Fund
Morgan Stanley Multi Asset Fund Plan A
MIP-20% Equity
IDFC Monthly Income Plan
Tata MIP Plus
Reliance MIP
Kotak Monthly Income Plan
FT India MIP Plan A
SBI Savings Fund
Religare MIP
Canara Robeco Monthly Income Plan
Birla SL Monthly Income
BOI AXA urn Fund
L&T Monthly Income Plan
DWS Twin Advantage Fund
IDBI Monthly Income Plan
HDFC Multiple Yield Fund
Peerless Income Plus Fund
Sundaram MIP Moderate
LIC Nomura MF Floater MIP
LIC Nomura MIP
MIP-30% Equity
HSBC MIP Savings Plan
Sundaram MIP Aggressive
Birla SL MIP II Wealth 25
ICICI Prudential MIP 25
DSP BR MIP Fund
HDFC MIP LTP
UTI MIS Advantage Fund
Taurus MIP Advantage Fund
Edelweiss Monthly Income Plan
Axis Income Saver Fund
Pramerica Dynamic Monthly Income Fund
Principal Debt Savings Fund Plan
Tata irement Savings Fund Conservative Plan
L&T MIP Wealth Builder Fund
FT India MIP Plan B
Income Funds
SBI Magnum Income
Kotak Bond Scheme Plan A
Sundaram Bond Saver
Templeton India IBA Plan A
Templeton India IBA Plan B
UTI Bond Fund
IDFC SSIF Invt Plan
Birla SL Income Plus DAP
Birla SL Income Plus
Religare Active Income Fund
Principal Income Fund LTP
Tata Income Fund
HSBC Income Fund Invtt Plan
L&T Triple Ace Bond Fund
HDFC HIF
Tata Income Plus Fund Plan A
Reliance Income Fund G P
ICICI Prudential Income Fund

NAV

Min. Investment

24.03
19.86
17.31
21.85
29.96
30.86
20.97
19.27
22.84
19.71
15.53
14.85
11.89
24.39
17.30
11.52
11.45
14.60
16.15
11.04

10000
10000
5000
10000
5000
5000
5000
5000
1000
5000
10000
5000
5000
5000
5000
5000
5000
5000
10000
5000

NAV
13.13
18.92
25.63
18.39
32.83
18.95
12.01
34.19
42.42
13.02
22.62
18.89
11.68
21.13
11.98
16.62
20.30
35.51
NAV
22.87
12.07
21.10
23.09
23.08
26.74
23.30
12.52
12.31
11.84
11.62
20.74
11.18
11.20
32.27
NAV
28.87
33.78
33.85
39.26
39.26
34.70
28.09
13.30
52.71
13.95
20.07
35.34
20.18
31.11
39.04
18.19
38.47
36.88

Min. Investment
5000
5000
5000
5000
20000
25000
5000
5000
5000
10000
10000
5000
5000
5000
1000
5000
5000
5000
Min. Investment
10000
5000
5000
5000
5000
5000
5000
5000
5000
5000
5000
5000
5000
10000
10000
Min. Investment
2000
5000
5000
5000000
10000
1000
5000
5000
5000
5000
5000
5000
10000
10000
5000
5000
5000
5000

Simple Annualised %
Compounded Annualised
(Dec12)
QAAUM
1 Mth Rank 3 Mth Rank 6 Mth Rank
1 Yr Rank 3 Yrs Rank
(in Crs)
198.44 28.66
1 18.54
1 19.35
1 16.09
1
8.28
4
197.45 27.58
3 15.47
3 15.66
2 14.04
2
6.78
9
22.32 25.93
4 16.40
2 13.97
5 13.74
3
6.65
10
27.01 24.74
6 15.24
4 15.31
3 12.97
4
6.38
13
458.65 20.77
12 13.18
9 13.65
8 12.72
5
7.85
5
134.52 22.52
9 14.49
5 14.90
4 12.71
6
7.71
6
302.44 25.30
5 13.37
7 13.85
6 12.29
7
8.56
2
517.68 18.16
14 11.24
16 11.88
16 11.91
8
9.23
1
327.93 17.01
15 11.71
14 13.79
7 11.83
9
7.26
7
252.33 22.87
8 11.54
15 11.99
14 11.75
10
7.06
8
7.85 18.78
13 14.25
6 13.24
10 11.66
11
8.50
3
5.47 22.05
10 12.88
12 13.09
11 11.41
12
6.60
11
9.12 24.46
7 12.18
13 11.92
15 10.82
13
--34.52 15.57
17 13.07
10 12.58
12 10.65
14
5.97
14
5.49
0.16
20
3.93
20
8.83
18 10.41
15
5.61
15
4.70
8.80
19
8.26
18
8.46
19
9.66
16
--27.37 16.65
16 10.92
17 10.55
17
9.43
17
--9.03 12.27
18
5.13
19
6.43
20
7.66
18
6.41
12
2.47 21.41
11 12.99
11 12.16
13
7.36
19
4.46
16
56.55 28.37
2 13.21
8 13.58
9
----QAAUM
1 Mth Rank 3 Mth Rank 6 Mth Rank 1 Yr Rank 3 Yrs Rank
(in Crs)
81.19 36.33
1 25.97
1 24.27
1 19.90
1
--73.19 28.73
2 17.21
4 17.12
3 15.60
2
8.11
3
3341.96 23.67
7 16.92
5 15.90
5 15.08
3
8.49
2
33.36 24.73
4 17.42
3 16.68
4 14.61
4
7.60
7
297.14 25.73
3 18.83
2 17.65
2 14.47
5
7.68
6
30.08 16.38
11 12.54
10 13.84
8 13.32
6
6.74
9
7.08 24.41
5 13.72
7 14.03
7 13.03
7
--273.33 10.47
14 10.09
13 11.50
13 12.11
8
8.06
4
382.95 23.92
6 14.21
6 14.21
6 11.89
9
7.75
5
4.55
6.88
18 11.29
11 12.75
10 11.66
10
5.04
12
70.85 20.22
8 12.58
9 12.43
11 11.50
11
6.46
10
10.34 13.54
13
5.19
18
6.46
18 11.29
12
7.10
8
93.18 19.61
9 12.72
8 12.80
9 11.17
13
--102.03 18.14
10
9.96
14 11.31
14 11.09
14
9.18
1
64.71
9.44
15 10.90
12 11.81
12 11.03
15
--276.01
7.66
17
8.65
16
9.65
17
9.85
16
3.97
14
64.35
9.28
16
8.61
17
9.69
16
9.77
17
6.09
11
51.36 15.11
12
9.42
15 11.22
15
9.02
18
4.21
13
QAAUM
1 Mth Rank 3 Mth Rank 6 Mth Rank 1 Yr Rank 3 Yrs Rank
(in Crs)
284.35 30.91
1 19.83
2 20.76
1 18.17
1
7.48
5
8.88 28.55
3 16.60
4 19.81
3 16.69
2
--2 16.69
2
7.87
3
190.92 25.15
4 21.30
1 20.54
438.24 24.32
8 18.63
3 18.85
4 15.92
3
8.62
1
406.69 24.95
6 15.95
5 16.50
6 15.33
4
7.79
4
5035.79 30.40
2 15.39
8 15.91
7 14.66
5
8.53
2
587.95 15.42
12 12.62
11 15.78
9 14.28
6
6.77
6
84.00 24.98
5 15.46
7 15.89
8 13.79
7
--0.21 18.41
10 15.71
6 17.43
5 13.25
8
--132.03 24.36
7 12.71
10 15.12
10 13.24
9
--80.56 16.62
11 12.09
12 13.75
12 12.52
10
--52.73 13.75
13 10.34
13 12.12
13 11.61
11
4.83
7
2.12 11.35
14
8.17
14 11.14
14 10.43
12
--108.80 23.62
9 14.81
9 14.51
11
9.93
13
--297.14
----------QAAUM
1 Mth Rank 3 Mth Rank 6 Mth Rank
(in Crs)

1 Yr

1086.68
3039.74
85.46
337.34
337.34
1403.42
516.46
1185.67
1185.67
1190.60
86.93
367.11
54.44
92.45
124.44
12.02
3465.50
950.83

13.40
12.69
12.64
12.52
12.52
12.16
12.10
11.99
11.98
11.91
11.47
11.45
11.38
11.37
11.22
11.11
11.06
11.01

37.30
29.97
33.18
19.67
19.67
35.34
37.59
35.29
35.15
27.42
26.57
30.35
33.53
30.93
31.48
41.33
33.04
28.56

4
16
10
24
24
5
3
6
7
20
21
15
9
13
12
2
11
18

18.24
15.29
15.61
12.53
12.53
18.49
17.97
16.71
16.66
13.44
12.94
13.72
15.61
14.55
15.54
20.44
15.73
14.51

5
12
10
21
21
4
6
7
8
19
20
18
10
14
11
2
9
15

15.52
12.73
14.09
13.39
13.39
14.52
15.23
13.57
13.54
12.85
12.36
13.28
13.31
12.65
12.99
13.84
13.36
13.19

1
18
6
10
10
4
2
8
9
17
21
13
12
20
15
7
11
14

Rank 3 Yrs Rank


1
2
3
4
4
5
6
7
8
9
10
11
12
13
14
15
16
17

9.34
9.09
7.83
9.17
9.17
9.66
8.36
8.09
8.09
9.28
8.74
7.18
8.46
7.46
8.07
7.72
7.89
7.26

4
7
21
6
6
2
11
15
15
5
9
29
10
25
16
22
20
27

Expense
Ratio
1.62
2.11
1.70
1.73
1.73
1.81
1.50
1.35
1.35
1.79
1.74
1.42
1.89
1.89
1.50
0.20
1.67
1.66

Report as on January 15, 2013


Simple Annualised %

(Dec12)
Sr.
No.
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
Sr.
No.
1
2
3
4
5
6
7
8
9
Sr.
No.

Income Funds
Morgan Stanley Active Bond Fund
HDFC Income Fund
Canara Robeco Income Scheme
Birla SL ST Fund DAP
Birla SL ST Fund
Escorts Income Plan
Templeton India Income Fund
Baroda Pioneer PSU Bond Fund
JM Income
ICICI Prudential LTP
BNP Paribas Bond Fund
DSP BR Bond Fund Plan
DWS Premier Bond Fund Plan
Baroda Pioneer Income Fund
ING Income Fund Plan
ICICI Prudential Banking & PSU Debt Fund
LIC Nomura Bond Fund
Sahara Income Fund
Escorts Income Bond
Sahara Classic Fund
Sundaram Income Plus
Axis Income Fund
Axis Banking Debt Fund
Dynamic Funds
IDFC D B F (ReLaunched)
SBI Dynamic Bond Fund
Reliance Dynamic Bond Fund
UTI Dynamic Bond Fund
ICICI Prudential Income Opportunities Fund
L&T Flexi Bond Fund IP
BNP Paribas Flexi Debt Fund
HSBC Flexi Debt Fund
Taurus Dynamic Income Fund
BNP Paribas Flexi Debt Fund Plan A
DSP BR Strategic Bond Fund IP
Canara Robeco Dynamic Bond Fund
Pramerica Dynamic Bond Fund
Birla SL Dynamic Bond Fund
Birla SL Dynamic Bond Fund DAP
Axis Dynamic Bond Fund
Tata Dynamic Bond Fund Plan A
JPMorgan India Active Bond Fund
Sundaram Flexible Fund Flexible Income
Peerless Flexible Income Fund
Union KBC Dynamic Bond Fund
IDBI Dynamic Bond Fund

12.04
26.85
24.40
13.12
42.72
38.19
39.28
12.51
34.68
12.57
12.50
37.17
19.28
18.13
30.24
12.72
32.48
22.06
34.26
15.85
16.78
10.92
1056.87
NAV
13.90
14.62
15.64
12.65
16.04
12.24
19.48
16.09
12.19
13.34
1353.24
12.73
1110.45
19.56
13.53
11.80
17.18
12.82
16.50
10.47
10.99
10.97

Medium Term Funds

NAV

HDFC Medium Term Opportunities Fund


ICICI Prudential Corporate Bond Fund
Templeton India Income Opportunities Fund
Templeton India Corporate Bond Opportunities Fun
IDFC SSIF MTP
Birla SL Medium Term Plan
Kotak Income Opportunities Fund
Reliance RSF Debt
Pramerica Credit Opportunities Fund
ICICI Prudential Savings Fund
Religare Medium Term Bond Fund
DSP BR Income Opportunities Fund

12.54
17.69
13.06
11.40
19.81
13.51
12.34
15.57
1133.83
12.06
11.84
18.30

Hybrid Funds

NAV

UTI Wealth Builder Fund Series II


Axis Triple Advantage Fund
Kotak Multi Asset Allocation Fund
Sundaram Equity Plus
Religare MIP Plus
Canara Robeco InDiGo Fund
Union KBC Asset Allocation Fund Moderate
Morgan Stanley Multi Asset Fund Plan B
BNP Paribas Income & Gold Fund
Debt Arbitrage Funds

1 ICICI Prudential Blended Plan B Option I


Sr.
No.

NAV

Short Term Funds

1 Sundaram Select Debt S T A P eciation

23.66
12.70
12.25
11.35
12.39
12.96
10.81
10.90
10.38
NAV
17.31

NAV
19.74

Min. Investment
5000
5000
5000
5000
5000
1000
10000
5000
5000
5000
5000
5000
5000
5000
5000
10000000
5000
3000
1000
1000
5000
5000
5000
Min. Investment

1 Yr

8.38
1179.56
244.90
4552.08
4552.08
17.67
632.69
71.78
9.89
570.24
417.16
68.64
974.91
7.19
11.70
40.55
138.85
24.54
1.53
0.23
0.93
265.53
61.52

11.01
10.76
10.71
10.68
10.68
10.57
10.54
10.48
9.97
9.93
9.84
9.79
9.72
9.70
9.52
9.45
9.38
9.18
9.12
8.99
8.43
---

5000
15000
5000
5000
5000
5000
5000
500
5000
10000
5000
5000
Min. Investment
5000
5000
10000
5000
5000
5000
5000
5000
5000
Min. Investment
5000

Min. Investment
5000

34.38
30.50
22.35
12.37
12.37
11.67
16.34
16.00
29.15
9.92
14.58
28.32
16.82
16.56
45.17
16.59
16.31
8.39
14.20
8.44
14.68
21.31
10.34

8
14
22
34
34
35
28
30
17
37
32
19
25
27
1
26
29
39
33
38
31
23
36

23.53
15.06
11.54
8.59
8.59
12.29
11.09
10.04
13.79
8.05
9.38
14.44
9.29
9.75
19.47
11.26
9.74
8.52
10.57
7.86
8.41
11.49
8.71

1
13
23
34
34
22
26
28
17
37
31
16
32
29
3
25
30
35
27
38
36
24
33

14.82
12.67
11.73
10.37
10.37
12.11
11.50
10.53
11.28
9.47
10.32
12.92
11.23
9.02
14.39
9.03
10.19
8.29
11.85
7.91
8.33
11.98
9.05

3
19
25
30
30
22
26
29
27
33
31
16
28
36
5
35
32
38
24
39
37
23
34

QAAUM
1 Mth Rank 3 Mth Rank 6 Mth Rank
(in Crs)

5000 2386.71
5000 4373.49
5000 2349.36
10000
686.70
5000 2053.87
5000
82.59
5000
163.24
10000
606.87
5000
55.28
5000
163.24
5000 3157.09
5000
6.74
5000
57.26
5000 14481.40
5000 14481.40
5000
86.83
5000
21.30
5000 1174.12
5000
1.31
1000
103.14
5000
68.07
5000
285.17
Min. Investment

Compounded Annualised

QAAUM
1 Mth Rank 3 Mth Rank 6 Mth Rank
(in Crs)

38.36
37.84
34.08
25.06
25.93
29.87
31.84
31.56
26.41
31.84
24.74
29.01
34.27
15.77
15.76
24.97
38.30
21.80
10.61
20.63
31.46
21.28

1
3
5
13
12
9
6
7
11
6
15
10
4
19
20
14
2
16
21
18
8
17

18.43
17.84
16.23
11.05
13.10
14.42
15.99
14.89
13.54
14.20
13.57
14.38
15.14
9.90
9.90
13.17
19.75
12.85
7.20
11.85
15.27
11.76

2
3
4
19
15
9
5
8
13
11
12
10
7
20
20
14
1
16
21
17
6
18

15.56
14.85
14.24
13.26
15.01
13.80
12.32
12.91
12.34
11.41
12.15
11.68
11.48
11.09
11.09
12.76
13.22
10.71
9.17
-12.08
10.85

1
3
4
6
2
5
11
8
10
16
12
14
15
17
17
9
7
19
20
-13
18

1 Yr
13.10
12.19
12.15
12.01
11.98
11.67
11.64
11.59
11.35
11.16
10.91
10.89
10.87
10.74
10.74
10.60
10.08
9.59
8.88
----

QAAUM
1 Mth Rank 3 Mth Rank 6 Mth Rank
(in Crs)

1 Yr

1629.05
987.15
2854.04
3028.94
2240.34
438.09
304.31
2398.72
267.02
2816.80
20.51
445.29

10.84
10.37
10.66
11.22
10.20
11.03
9.84
9.65
10.54
9.70
8.97
9.07

16.27
16.75
14.99
14.27
16.19
10.12
13.90
11.02
14.59
12.73
10.66
11.21

2
1
4
6
3
12
7
10
5
8
11
9

9.19
9.90
9.93
9.71
9.74
8.69
9.45
8.99
10.11
8.57
7.89
8.09

7
3
2
5
4
9
6
8
1
10
12
11

12.01
11.27
11.23
11.21
10.74
10.51
10.31
10.04
9.88
9.84
9.24
8.93

1
2
3
4
5
6
7
8
9
10
11
12

QAAUM
1 Mth Rank 3 Mth Rank 6 Mth Rank
(in Crs)
607.25
491.41
175.73
130.17
89.53
813.63
49.63
77.01
100.14

12.57
11.22
28.23
19.82
9.54
-0.49
15.39
21.56
-0.31

5
6
1
3
7
9
4
2
8

13.17
14.01
17.09
15.03
7.22
1.35
13.38
10.45
1.98

5
3
1
2
7
9
4
6
8

21.98
21.26
16.45
18.40
10.89
6.91
15.11
11.96
6.79

1
2
4
3
7
8
5
6
9

QAAUM
1 Mth Rank 3 Mth Rank 6 Mth Rank
(in Crs)
165.78
(Dec12)

17.42

13.44

1 Yr
22.14
17.64
13.83
12.45
11.22
7.89
---1 Yr

1 10.55
1 10.11
Simple Annualised %

Rank 3 Yrs Rank


17
18
19
20
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
---

6.41
8.05
7.93
8.11
8.11
9.63
7.38
7.56
7.23
--7.17
7.89
8.77
7.52
8.30
8.16
8.09
14.87
7.91
5.01
---

31
17
18
14
14
3
26
23
28
--30
20
8
24
12
13
15
1
19
32
---

Rank 3 Yrs Rank


1
2
3
4
5
6
7
8
9
10
11
12
13
14
14
15
16
17
18
----

9.56
10.84
9.52
-7.98
6.96
7.33
8.80
-7.17
8.36
7.53
-8.63
8.63
-7.25
7.03
6.36
----

2
1
3
-7
13
9
4
-11
6
8
-5
5
-10
12
14
----

Rank 3 Yrs Rank


3
6
4
1
7
2
8
10
5
9
12
11

-7.82
8.92
-8.72
8.85
-7.66
---7.64

-4
1
-3
2
-5
---6

Rank 3 Yrs Rank


1
2
3
4
5
6
----

10.13
---------

1
---------

Rank 3 Yrs Rank


1

8.20

Avg
Mtrty
(Yrs)
11.17
10.46
7.68
0.00
0.00
1.21
4.24
2.46
7.93
0.51
3.39
10.01
3.94
4.24
13.32
1.69
4.15
0.05
1.85
0.10
3.69
5.14
1.12
Avg
Mtrty
(Yrs)
13.64
12.18
11.88
10.90
8.39
10.36
9.23
10.43
8.12
9.23
7.62
8.73
15.92
0.00
0.00
6.50
0.00
7.59
3.00
6.13
10.90
3.82
Avg
Mtrty
(Yrs)
3.25
3.84
3.10
2.94
3.27
0.00
2.86
1.51
3.60
1.94
2.48
1.52
Avg
Mtrty
(Yrs)
0.00
5.42
7.79
0.00
0.74
1.23
6.00
8.38
2.30
Avg
Mtrty
(Yrs)
2.96

Expense
Ratio
1.70
1.50
2.00
0.25
0.25
2.25
1.97
1.45
2.25
0.76
2.00
2.24
1.16
0.57
1.86
0.21
1.53
0.35
2.25
0.35
1.92
--Expense
Ratio
1.06
1.73
1.11
0.25
0.85
1.25
1.87
1.58
0.60
1.87
0.84
0.95
1.50
1.19
1.19
1.92
1.25
1.88
1.50
-1.74
1.14
Expense
Ratio
0.25
0.86
1.62
1.64
1.24
0.10
1.58
1.37
2.25
1.55
1.50
1.75
Expense
Ratio
2.21
2.27
2.07
2.42
2.12
1.89
2.20
2.30
2.01
Expense
Ratio
0.07

Avg
QAAUM
Expense
1 Wk Rank 2 Wks Rank 1 Mth Rank 3 Mth Rank 6 Mth Rank Mtrty
(in Crs)
Ratio
(Yrs)
2
4.47
0.21
17.25 23.42
1 23.18
2 18.87
2 12.27
1 11.54

Report as on January 15, 2013


Simple Annualised %

(Dec12)
Sr.
No.

Short Term Funds

2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40

Escorts ST Debt Fund


UTI ST Income Fund IP
ING ST Income Fund
JM ST Fund
JPMorgan India ST Income Fund
Taurus ST Income Fund
SBI ST Debt Fund
BNP Paribas ST Income Fund
Tata ST Bond Fund
DWS Short Maturity Fund
Kotak Bond ST Plan
PineBridge India ST Fund Std
Templeton India STIP
ICICI Prudential STP
Edelweiss ST Income Fund
Baroda Pioneer ST Bond Fund
Birla SL ST Opportunities Fund
Canara Robeco ST Fund
Reliance ST Fund
L&T ST Opportunities Fund
Morgan Stanley ST Bond Fund
Peerless ST Fund
Pramerica ST Income Fund
HDFC HIF S T P
HDFC ST Opportunities Fund
Principal Income Fund STP
Axis ST Fund IP
DSP BR ST Fund
HDFC ST Plan
Sundaram Flexible Fund ST IP
Religare ST Fund
HSBC Income Fund S T P
L&T ST Income Fund
IDBI ST Bond Fund
Sahara ST Bond Fund
IDFC SSIF ST
Mirae Asset ST Bond Fund
BOI AXA ST Income Fund
Goldman Sachs ST Fund

Sr.
No.

Liquid Funds

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42

Escorts Liquid Plan


Principal Money Manager Fund
Templeton India TMA Super IP
Peerless Liquid Fund Super IP
Union KBC Liquid Fund
BNP Paribas Overnight Fund
Baroda Pioneer Liquid Fund
BOI AXA Liquid Fund
JPMorgan India Liquid Fund Super IP
Indiabulls Liquid Fund
Birla SL Cash Plus
Principal Cash Mgmt Fund
DSP BR Liquidity Fund IP
HSBC Cash Fund
Kotak Floater ST
Religare Liquid Fund
Kotak Liquid Scheme Plan A
DWS Treasury Fund Cash
Reliance Liquid Fund TP
Quantum Liquid Fund
ICICI Prudential Liquid
ICICI Prudential Money Market Fund
HDFC Liquid Fund
DWS Insta Cash Plus Fund Super IP
Morgan Stanley Liquid Fund
Reliance Liquidity Fund
HDFC Cash Mgmt Fund Savings Plan
ING Liquid Fund Super IP
L&T Cash Fund Super IP
Taurus Liquid Fund Super IP
Canara Robeco Liquid
Pramerica Liquid Fund
Sundaram Money Fund
Tata Money Market Fund Plan A
JM High Liquidity
IDBI Liquid Fund
Daiwa Liquid Fund
Axis Liquid Fund IP
Tata Liquidity Management Fund
L&T Liquid Fund Super IP
Tata Liquid Fund Plan A
IDFC Cash Fund

NAV
17.39
13.76
21.55
16.57
12.60
1990.92
13.29
13.23
21.31
20.69
21.79
1404.62
2317.57
23.59
13.43
12.05
18.28
13.24
21.55
11.07
13.05
12.85
1208.91
22.81
12.51
20.33
12.59
19.67
22.30
18.23
15.70
19.33
12.03
11.81
13.84
23.67
11.95
12.58
11.75
NAV
17.76
1290.42
1715.60
12.61
1154.79
17.73
1320.81
1326.81
14.94
1121.03
184.62
1792.95
1649.41
1149.47
18.88
1584.65
23.38
124.40
2807.42
16.32
170.46
159.44
22.73
149.78
1132.06
1735.90
24.07
17.16
15.67
1243.32
1401.68
1230.30
24.30
18.12
31.42
1237.02
1287.42
1277.43
1558.18
1581.12
2128.13
1401.39

Min. Investment
1000
30000
5000
5000
5000
5000
5000000
5000
10000
5000
5000
5000
5000
5000
10000
5000
5000
5000
5000
10000
5000
5000
5000
5000
5000
5000
5000
5000
5000
5000
5000
10000
5000
5000
5000
5000
5000
5000
10000
Min. Investment

QAAUM
1 Wk Rank 2 Wks Rank 1 Mth Rank 3 Mth Rank 6 Mth Rank
(in Crs)
9.97
2050.79
70.49
242.24
1073.05
240.84
2249.28
212.40
254.94
946.55
1003.48
744.56
6035.38
4509.83
30.39
48.27
285.04
441.70
2491.09
422.21
315.72
93.21
130.59
2904.34
1562.91
210.60
745.81
1036.20
2480.33
369.59
2873.81
1069.00
302.78
239.71
7.72
3417.74
3.65
12.60
6.10

11.72
22.84
20.02
16.61
11.11
9.35
15.54
14.99
17.78
17.39
18.44
18.97
16.10
18.83
13.16
10.89
9.95
14.93
16.04
13.93
16.43
10.00
14.72
18.16
13.41
15.43
13.29
13.29
16.16
8.22
11.79
13.41
12.43
13.85
7.70
10.66
7.30
8.26
7.06

27
2
3
10
28
33
15
17
8
9
6
4
13
5
24
29
32
18
14
20
11
31
19
7
22
16
23
23
12
35
26
22
25
21
36
30
37
34
38

12.22
23.19
18.52
16.39
11.95
9.41
15.77
15.55
18.58
15.87
17.66
17.71
15.83
17.41
13.21
12.48
10.28
14.16
15.97
14.42
16.14
10.66
14.55
15.66
13.03
15.30
13.95
12.47
14.15
8.44
12.42
12.79
12.55
14.07
7.93
10.72
7.42
7.98
7.32

30
1
4
8
31
35
13
15
3
11
6
5
12
7
23
27
34
19
10
18
9
33
17
14
24
16
22
28
20
36
29
25
26
21
38
32
39
37
40

12.35
19.69
15.59
14.37
11.40
9.83
14.55
14.07
15.12
13.87
14.24
15.64
13.27
15.07
11.80
11.78
10.22
12.53
13.59
12.49
13.83
9.76
12.14
13.22
11.61
12.94
12.18
11.18
12.36
9.19
11.40
11.72
11.26
11.74
8.45
10.25
7.77
8.65
7.54

20 12.12
1 12.04
4
9.97
8
9.81
28
9.74
33
9.67
7
9.65
10
9.60
5
9.60
11
9.58
9
9.57
3
9.53
14
9.39
6
9.36
23
9.23
24
9.16
32
9.04
17
8.93
13
8.91
18
8.83
12
8.82
34
8.76
22
8.76
15
8.73
27
8.73
16
8.72
21
8.46
30
8.38
19
8.28
35
8.05
28
8.00
26
7.99
29
7.98
25
7.98
37
7.92
31
7.67
38
7.66
36
7.63
39
7.28

2
3
4
5
6
7
8
9
9
10
11
12
13
14
15
16
17
18
19
20
21
22
22
23
23
24
25
26
27
28
29
30
31
31
32
33
34
35
36

11.49
12.42
10.42
9.98
9.68
9.90
11.02
10.43
10.21
10.32
10.39
10.15
10.65
10.53
8.36
9.51
11.22
9.47
10.39
10.23
10.25
9.64
9.43
10.46
9.78
10.26
10.40
9.82
10.07
9.19
9.53
9.35
9.39
9.01
7.96
9.46
7.27
7.46
7.26

3
1
10
20
24
21
5
9
17
13
12
18
6
7
35
27
4
28
12
16
15
25
30
8
23
14
11
22
19
33
26
32
31
34
36
29
38
37
39

QAAUM
1 Wk Rank 2 Wks Rank 1 Mth Rank 3 Mth Rank 6 Mth Rank
(in Crs)

1000
137.40
5000
1.43
10000 2721.07
1000 3024.43
5000 2435.72
5000
558.77
5000 3385.96
5000
514.13
10000 5534.87
5000 1806.57
5000 14651.90
5000 1893.91
5000 3348.48
10000
303.35
5000 3789.07
5000 4539.29
5000 5173.87
5000
682.18
5000 8922.93
5000
36.50
5000 16229.40
5000 2207.12
10000 9635.16
5000 6260.81
5000
535.36
10000000 5194.81
10000 3831.73
5000
382.31
5000
491.91
5000 2553.28
5000 2458.91
10000
939.19
1000 1921.78
5000
205.08
5000 5144.36
5000 3762.58
10000
284.63
5000 3869.59
10000
264.97
10000 2531.70
5000 5770.47
5000 4424.52

9.11
8.88
8.43
8.53
8.59
8.48
8.48
8.59
8.56
8.53
8.43
8.53
8.44
8.46
8.52
8.46
8.51
8.38
8.48
7.87
8.50
8.45
8.30
8.33
8.50
8.40
8.27
8.22
8.26
8.57
8.53
8.52
8.45
8.22
8.48
8.46
8.23
8.50
8.40
8.46
8.45
8.44

2
3
15
7
4
11
11
4
6
7
15
7
14
12
8
12
9
17
11
28
10
13
20
19
10
16
21
24
22
5
7
8
13
24
11
12
23
10
16
12
13
14

9.18
8.90
8.50
8.59
8.61
8.57
8.53
8.70
8.54
8.49
8.43
8.52
8.50
8.50
8.48
8.50
8.51
8.44
8.53
8.34
8.47
8.46
8.32
8.40
8.52
8.45
8.32
8.37
8.33
8.59
8.56
8.56
8.51
8.33
8.49
8.53
8.22
8.52
8.32
8.51
8.43
8.50

1
2
13
6
4
7
10
3
9
14
20
11
13
13
15
13
12
19
10
24
16
17
26
21
11
18
26
23
25
6
8
8
12
25
14
10
29
11
26
12
20
13

9.26
9.12
8.93
8.92
8.90
8.90
8.84
8.84
8.83
8.83
8.81
8.81
8.81
8.81
8.80
8.80
8.80
8.80
8.79
8.79
8.78
8.77
8.75
8.74
8.73
8.72
8.69
8.68
8.65
8.61
8.58
8.57
8.57
8.56
8.55
8.54
8.54
8.53
8.51
8.51
8.51
8.51

1
2
3
4
5
5
6
6
7
7
8
8
8
8
9
9
9
9
10
10
11
12
13
14
15
16
17
18
19
20
21
22
22
23
24
25
25
26
27
27
27
27

9.57
8.70
8.51
8.64
8.54
8.47
8.50
8.52
8.54
8.55
8.50
8.49
8.46
8.43
8.51
8.50
8.46
8.50
8.48
8.09
8.49
8.48
8.46
8.45
8.45
8.43
8.42
8.29
8.33
8.59
8.48
8.51
8.53
8.50
8.53
8.49
8.35
8.48
8.41
8.49
8.47
8.44

1
2
9
3
6
13
10
8
6
5
10
11
14
17
9
10
14
10
12
26
11
12
14
15
15
17
18
22
21
4
12
9
7
10
7
11
20
12
19
11
13
16

9.76
9.23
8.81
8.96
8.84
8.78
8.81
8.55
8.88
8.87
8.82
8.81
8.74
8.62
8.88
8.84
8.79
7.99
8.81
8.20
8.80
8.81
8.70
8.78
8.77
8.75
8.75
8.48
8.58
8.89
8.78
8.83
8.82
8.87
8.77
8.81
8.73
8.78
9.13
8.81
8.78
8.73

1
2
11
4
8
14
11
24
6
7
10
11
17
21
6
8
13
31
11
29
12
11
20
14
15
16
16
25
22
5
14
9
10
7
15
11
18
14
3
11
14
18

Avg
Expense
Mtrty
Ratio
(Yrs)
0.46
0.50
3.87
1.04
3.35
1.27
2.72
0.80
2.18
0.99
0.10
0.49
2.93
0.64
2.31
1.27
1.71
1.10
2.19
1.22
2.58
1.44
2.85
0.48
2.46
1.44
3.13
1.09
0.86
0.41
1.73
0.76
0.00
0.25
1.79
1.15
2.46
0.84
1.84
0.75
2.49
1.35
0.88
0.37
1.95
1.50
2.52
1.00
1.68
0.30
1.67
1.15
1.81
0.88
1.54
0.99
2.10
1.07
0.20
0.70
1.65
1.63
1.65
1.24
1.73
1.10
1.97
0.60
0.09
0.30
1.30
1.26
0.00
0.89
0.33
1.25
0.01
0.60
Avg
Expense
Mtrty
Ratio
(Yrs)
0.10
0.50
0.10
0.20
0.13
0.31
0.05
0.30
0.12
0.15
0.11
0.18
0.15
0.38
0.07
0.10
0.14
0.35
0.13
0.20
0.00
0.26
0.14
0.10
0.09
0.16
0.07
0.23
0.07
0.42
0.08
0.21
0.11
0.17
0.11
0.20
0.11
0.30
0.16
0.45
0.11
0.26
0.10
0.22
0.09
0.18
0.10
0.25
0.09
0.15
0.12
0.22
0.10
0.27
0.09
0.31
0.07
0.25
0.12
0.76
0.13
0.28
0.10
0.10
0.12
0.25
0.10
0.24
0.10
0.50
0.13
0.12
0.04
0.30
0.14
0.19
0.15
0.30
0.08
0.10
0.16
0.43
0.10
0.36

Report as on January 15, 2013


Simple Annualised %

(Dec12)
Sr.
No.
43
44
45
46
47
48
49
50
51
52
53
54
55
56
Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
Sr.
No.

Liquid Funds
SBI Premier Liquid Fund
UTI Money Market IP
UTI Liquid Fund Cash Plan IP
Reliance Liquid Fund Cash Plan
Edelweiss Liquid Fund
LIC Nomura MF Liquid Fund
Sahara Liquid Fund Fixed Pricing Option
SBI Magnum Insta Cash Fund Liquid Floater
SBI Magnum Insta Cash Cash Plan
HDFC Cash Mgmt Fund Call Plan
Mirae Asset Cash Management Fund
PineBridge India Liquid Fund Std
JM Floater ST Fund
Religare Overnight Fund

NAV
1811.81
1290.81
1890.47
1860.15
1139.50
20.92
2083.47
1980.37
2547.00
18.50
1235.88
1461.58
18.11
1348.13

Liquid Plus Funds

NAV

Principal Debt Opportunities Fund Corporate Bond


DWS Money Plus Fund IP
Union KBC Ultra ST Debt Fund
Sundaram Ultra ST
Pramerica Ultra ST Bond Fund
Taurus Ultra ST Bond Fund Super IP
Kotak Flexi Debt Scheme Plan A
Religare Ultra ST Fund
Templeton India Ultra Short Bond Fund Super IP
Baroda Pioneer Treasury Advantage Fund
IDFC Money Manager Invt Plan
Principal Debt Opportunities Fund Conservative
Pramerica Treasury Advantage Fund
Templeton India Low Duration Fund
DWS Cash Opportunities Fund
Reliance Medium Term Fund
DWS Ultra ShortTerm Fund IP
Birla SL Savings Fund
Kotak Floater LT
Principal Bank CD Fund
IDBI Ultra ST Fund
UTI Treasury Advantage Fund IP
Peerless Ultra ST Fund Super IP
Indiabulls Ultra ST Fund
BNP Paribas Money Plus Fund
HSBC Ultra ST Bond Fund
Birla SL Ultra ST Fund
Tata Floater Fund
ICICI Prudential Flexible Income Plan
JM Money Manager Fund
Canara Robeco Treasury Advantage Fund
JM Money Manager Fund Super Plan
DWS Treasury Fund Investment
JM Money Manager Fund Super Plus Plan
ICICI Prudential Ultra ST Plan
JPMorgan India Treasury Fund Super IP
ICICI Prudential FRF
Religare Credit Opportunities Fund
Templeton Floating Rate Income Fund
Axis Treasury Advantage Fund IP
L&T Income Opportunities Fund
SBI SHDF Ultra ST
Edelweiss Ultra ST Bond Fund
L&T Ultra ST Fund IP
Reliance Money Manager Fund
L&T Low Duration Fund Super IP
BOI AXA Treasury Advantage Fund
IDFC Ultra ST Fund
HDFC F R I F STF WP
Birla SL Cash Manager
DSP BR Money Manager Fund
ING Treasury Advantage Fund IP
Tata Treasury Manager Fund Plan A
HDFC Cash Mgmt Fund Treasury Advantage
Mirae Asset Ultra ST Bond Fund IP
LIC Nomura MF Income Plus Fund
PineBridge India Treasury Fund Std
LIC Nomura MF Savings Plus Fund
Daiwa Treasury Advantage Fund
IDFC Money Manager TP
JM Floater LT Fund
Templeton India Cash Management Account Fund

1801.27
12.13
1069.87
15.70
1228.86
1368.93
14.25
1594.92
15.01
1308.38
17.96
1830.72
1159.77
12.48
15.37
23.96
13.67
219.95
18.35
1479.57
1230.90
1556.50
12.72
1104.19
17.51
10.24
137.95
1726.83
215.21
16.01
1752.10
16.47
12.76
16.34
11.64
15.11
171.16
13.04
21.03
1282.08
12.91
1480.24
1386.55
18.64
1575.67
10.29
1353.48
16.01
19.69
278.36
1564.37
15.49
1527.93
24.73
1047.85
15.21
1495.02
17.94
1270.83
18.24
17.69
18.83

Floating Rate Funds-STP

NAV

1 L&T Floating Rate Fund


2 Canara Robeco FRF
3 Reliance FRF ST

16.90
18.00
18.21

Min. Investment

QAAUM
1 Wk Rank 2 Wks Rank 1 Mth Rank 3 Mth Rank 6 Mth Rank
(in Crs)

100000 10652.30
10000 3271.46
100000 11852.50
5000
515.66
10000
52.35
25000 3264.91
10000
171.13
10000
143.71
10000
981.70
10000
11.83
5000
12.30
10000
3.26
5000
1.73
5000
29.68
Min. Investment

10000
5000
5000

15
13
18
27
25
22
30
26
29
31
32
34
33
1

8.50
8.47
8.39
8.12
8.23
8.28
7.95
8.06
7.89
7.57
7.49
7.46
7.38
8.60

13
16
22
30
28
27
32
31
33
34
35
36
37
5

8.49
8.44
8.41
8.38
8.30
8.26
8.21
7.98
7.95
7.92
7.84
7.59
7.42
7.30

28
29
30
31
32
33
34
35
36
37
38
39
40
41

8.44
8.47
8.41
8.11
8.21
8.22
8.04
8.00
8.09
7.72
7.68
7.62
7.44
7.33

16
13
19
25
24
23
27
28
26
29
30
31
32
33

8.75
8.79
8.73
8.31
8.71
8.56
8.15
8.45
8.46
7.78
7.63
7.68
7.48
7.29

16
13
18
28
19
23
30
27
26
32
34
33
35
36

QAAUM
1 Wk Rank 2 Wks Rank 1 Mth Rank 3 Mth Rank 6 Mth Rank
(in Crs)

5000
4.91
5000
457.06
5000
167.78
1000 1655.24
5000
265.70
5000
623.59
5000 1799.02
5000
961.76
10000 4480.97
5000 1185.92
5000 2000.39
5000
415.17
5000
65.63
10000 3172.53
5000
412.85
5000 4828.71
5000 3308.48
5000 6156.42
5000 4084.42
5000
16.33
5000
917.90
100000 12077.10
1000 1391.44
5000
524.19
5000
954.95
10000
63.57
5000
875.64
10000 3956.22
5000 12061.10
5000
187.29
5000
826.82
5000
223.01
5000
286.26
5000 1016.06
5000 1019.83
10000 2453.55
15000 1692.64
5000 1090.45
10000
752.30
5000 1492.01
10000
48.06
10000 7745.96
5000
91.87
10000 1041.26
5000 9461.71
5000
121.60
5000
14.02
5000
800.87
1000000 4104.45
5000 3755.30
5000 1702.74
5000
132.20
5000
295.21
5000 12997.60
10000
25.40
500000
185.07
10000
21.10
5000
266.68
10000
217.79
5000 1897.97
5000
0.42
1000
305.64
Min. Investment

8.43
8.45
8.35
7.96
8.20
8.26
7.69
8.03
7.74
7.56
7.42
7.34
7.35
10.01

11.24
10.86
9.64
9.58
10.09
9.45
9.17
8.86
9.26
8.92
9.37
8.44
9.42
9.25
9.69
9.64
8.79
9.53
8.94
8.32
9.51
9.13
9.08
8.86
9.13
9.18
9.16
8.77
8.64
8.94
8.90
9.20
7.90
8.79
8.79
8.85
8.37
8.49
8.54
8.96
9.18
8.77
8.40
8.91
8.61
8.23
9.03
8.64
8.57
8.30
8.07
7.96
8.17
7.94
7.74
7.90
7.42
7.37
7.40
7.24
7.26
6.52

1
2
5
6
3
9
16
26
12
23
11
35
10
13
4
5
28
7
22
38
8
18
19
26
18
15
17
29
30
22
25
14
45
28
28
27
37
34
33
21
15
29
36
24
31
40
20
30
32
39
42
43
41
44
46
45
47
49
48
51
50
52

16.33
10.95
9.95
9.78
9.89
9.30
9.50
9.40
9.67
9.22
9.63
8.70
9.37
9.75
9.82
9.21
9.34
9.55
9.51
9.36
9.52
9.13
9.18
8.92
9.38
9.45
9.36
8.88
8.81
8.96
8.93
8.90
8.20
8.82
8.83
8.90
8.71
8.73
8.79
8.84
8.92
8.83
8.65
8.78
8.76
8.42
8.76
8.66
8.59
8.36
8.27
8.21
8.19
7.95
7.77
7.82
7.52
7.45
7.49
7.45
7.29
6.54

1
2
3
6
4
20
13
15
8
21
9
39
17
7
5
22
19
10
12
18
11
24
23
27
16
14
18
29
33
25
26
28
47
32
31
28
38
37
34
30
27
31
41
35
36
43
36
40
42
44
45
46
48
49
51
50
52
54
53
54
55
56

12.28
10.62
10.16
10.08
10.02
9.93
9.86
9.85
9.80
9.80
9.77
9.75
9.74
9.73
9.72
9.65
9.60
9.59
9.57
9.54
9.49
9.48
9.44
9.43
9.43
9.40
9.38
9.36
9.27
9.24
9.22
9.20
9.20
9.17
9.16
9.15
9.13
9.10
9.09
9.06
9.06
9.04
9.02
9.01
9.01
8.97
8.96
8.93
8.91
8.79
8.67
8.54
8.39
8.10
8.07
8.06
7.92
7.80
7.75
7.72
7.56
6.68

1
2
3
4
5
6
7
8
9
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
23
24
25
26
27
28
29
30
30
31
32
33
34
35
36
37
37
38
39
40
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57

8.32
7.89
8.91
8.93
8.79
9.24
8.62
8.53
8.93
8.64
8.26
8.80
7.82
8.73
8.74
8.19
8.77
8.57
8.71
8.00
8.51
8.66
9.10
8.93
8.42
8.30
8.65
8.57
8.57
8.93
8.61
8.84
7.73
8.79
7.86
8.82
8.40
8.80
8.22
8.37
8.17
8.35
8.08
8.40
8.52
8.06
8.45
8.60
8.27
7.93
7.86
8.14
7.92
7.56
8.46
7.75
7.82
7.60
7.58
7.23
7.33
6.36

29
42
4
3
8
1
16
20
3
15
32
7
44
11
10
34
9
19
12
39
22
13
2
3
25
30
14
19
19
3
17
5
46
8
43
6
26
7
33
27
35
28
37
26
21
38
24
18
31
40
43
36
41
49
23
45
44
47
48
51
50
52

9.85
9.05
9.22
9.21
8.99
9.45
9.14
8.86
9.37
9.01
8.98
9.05
8.59
9.38
9.18
9.12
9.03
8.90
9.15
9.22
8.87
8.93
9.51
9.42
8.95
-9.00
8.84
8.83
9.21
8.95
9.22
8.67
9.02
8.43
9.13
8.74
9.18
8.82
8.79
8.48
8.51
8.53
8.92
8.79
5.66
8.55
8.99
8.82
8.26
8.10
8.34
8.47
7.88
-7.95
8.07
7.76
8.02
7.59
7.38
6.59

1
14
7
8
19
3
11
26
6
17
20
14
33
5
9
13
15
24
10
7
25
22
2
4
21
-18
27
28
8
21
7
32
16
39
12
31
9
29
30
37
36
35
23
30
51
34
19
29
41
42
40
38
46
-45
43
47
44
48
49
50

QAAUM
1 Wk Rank 2 Wks Rank 1 Mth Rank 3 Mth Rank 6 Mth Rank
(in Crs)
90.39
217.64
1555.07

8.72
8.94
12.20

4
3
1

8.62
9.10
12.04

5
3
1

8.92
9.16
11.34

5
4
1

12.20
8.60
8.51

1
2
3

10.73
8.98
9.36

1
4
2

Avg
Mtrty
(Yrs)

Expense
Ratio

0.09
0.15
0.08
0.21
0.08
0.14
0.09
0.42
0.10
0.13
0.10
0.27
0.05
0.30
0.13
0.37
0.09
0.34
0.00
0.20
0.01
0.45
0.00
0.28
0.00
0.42
0.00
0.10
Avg
Expense
Mtrty
Ratio
(Yrs)
1.27
0.48
1.12
0.33
0.43
0.18
0.51
0.30
0.69
1.25
0.30
0.48
0.50
0.72
0.07
0.57
0.33
0.30
0.52
0.48
0.69
0.45
0.32
0.43
1.26
1.25
0.38
0.74
0.41
0.86
0.62
0.60
0.28
0.43
0.00
0.25
0.30
0.54
0.45
0.57
0.31
0.49
0.48
0.43
0.54
0.39
0.27
0.25
0.34
0.48
0.62
0.66
0.00
0.41
0.28
0.24
0.19
0.49
0.15
0.50
0.20
0.53
0.10
0.42
0.21
0.50
0.15
0.50
0.54
0.93
0.07
0.50
0.22
0.46
0.08
0.76
0.38
1.12
0.22
0.62
0.46
0.48
0.21
0.25
0.11
0.32
0.21
0.21
0.19
0.60
0.20
0.35
0.12
0.10
0.15
0.19
0.26
0.57
0.00
0.49
0.27
1.05
0.10
0.51
0.22
0.65
0.25
0.66
0.07
0.46
0.11
0.59
0.00
0.26
0.08
0.75
0.07
1.32
0.16
0.96
0.00
0.60
0.07
1.05
Avg
Expense
Mtrty
Ratio
(Yrs)
0.32
0.35
0.26
0.40
1.18
0.73

Report as on January 15, 2013


Simple Annualised %

(Dec12)
Sr.
No.
4
5
6
7
8
Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Sr.
No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14

Floating Rate Funds-STP

NAV

Birla SL Floating Rate Fund STP


UTI Floating Rate Fund STP
SBI Magnum Income Fund FRP Savings Plus Bond
Pramerica ST Floating Rate Fund
LIC Nomura MF Floating Rate Fund ST

153.12
1853.96
17.92
1090.86
18.42

Gilt Funds-Medium/Long Term Plan

NAV

L&T Gilt Investment


Kotak Gilt Investment Plan
IDFC G Sec Fund Invt Plan (Relaunched)
Reliance G Sec Fund
Canara Robeco Gilt PGS
Baroda Pioneer Gilt Fund
JM G Sec Plan
HDFC Gilt Fund L T P
Sundaram Gilt Fund
HSBC Gilt Fund
SBI Magnum Gilt LTP
Birla SL G Sec Fund LT
UTI Gilt Advantage Fund L T P
ICICI Prudential GFIP
Tata Gilt Securities Fund Plan A
Tata Gilt Mid Term Fund
DWS Gilt Fund
Principal Govt Securities Fund
DSP BR Government Securities Fund
Religare Gilt Fund Long Duration Plan
LIC Nomura G Sec Fund
Edelweiss Gilt fund
Templeton India GSF LTP
Birla SL GPRP
Motilal Oswal MOSt 10 Year Gilt Fund L T P
Sahara Gilt Fund
Escorts Gilt Plan
Templeton India GSF Composite Plan
Taurus Gilt Fund
Axis Constant Maturity 10 Year Fund
Gilt Funds-Short Term Plan
IDFC G Sec Fund ST
ICICI Prudential GFTP
HDFC Gilt Fund S T P
SBI Magnum Gilt STP
UTI GSec Fund STP
Tata G S S M F
Birla SL GPLP
Kotak Gilt Savings Plan
DSP BR Treasury Bill Fund
Birla SL G Sec Fund STD
Canara Robeco Gilt Advantage Fund
Templeton India GSF TP
Daiwa Govt Sec Fund ST
Religare Gilt Fund Short Duration Plan

27.11
40.61
13.40
14.65
30.97
18.24
37.54
23.37
17.35
15.06
23.56
34.21
24.27
39.62
33.07
12.15
12.89
23.42
38.31
12.66
26.33
12.03
27.05
36.70
11.08
19.69
24.47
38.46
15.88
10.82
NAV
15.84
29.08
19.23
22.87
16.60
18.04
25.58
25.53
23.27
21.65
11.60
19.26
1136.92
12.15

Min. Investment
5000
5000
2000
5000
5000
Min. Investment
10000
5000
5000
10000
5000
5000
5000
5000
5000
10000
25000
5000
5000
5000
5000
10000
5000
5000
5000
5000
10000
5000
10000
5000
10000
5000
1000
10000
5000
5000
Min. Investment
5000
5000
5000
25000
1000
10000
5000
5000
5000
5000
5000
5000
10000
5000

QAAUM
1 Wk Rank 2 Wks Rank 1 Mth Rank 3 Mth Rank 6 Mth Rank
(in Crs)
3380.89
651.23
116.54
115.04
40.87

8.43
8.64
8.36
9.84
7.26

6
5
7
2
8

8.42
8.95
8.44
10.15
7.38

7
4
6
2
8

8.82
9.66
8.83
10.05
7.69

7
3
6
2
8

QAAUM
1 Mth Rank 3 Mth Rank 6 Mth Rank
(in Crs)
79.44
502.09
127.56
152.38
21.91
4.76
22.12
278.09
0.26
1.93
125.42
344.55
194.09
322.10
112.53
51.02
166.88
70.54
351.86
222.38
51.89
7.44
108.33
86.63
206.41
0.06
0.13
100.07
0.03
36.61

38.12
38.77
42.55
40.09
36.27
29.64
38.06
38.20
13.62
38.28
42.81
40.44
42.42
35.77
36.90
34.31
31.74
34.73
40.70
36.86
17.17
22.20
18.53
30.56
30.90
7.89
6.86
15.39
4.29
30.20

10
7
2
6
14
22
11
9
27
8
1
5
3
15
12
17
18
16
4
13
25
23
24
20
19
28
29
26
30
21

17.87
18.67
20.96
19.21
16.65
14.68
17.99
18.86
13.06
18.45
21.19
19.04
20.49
17.90
17.93
16.80
15.40
16.56
19.62
17.27
10.42
11.80
10.83
16.07
15.84
7.67
6.84
9.52
7.23
15.13

13
8
2
5
16
22
10
7
23
9
1
6
3
12
11
15
20
17
4
14
26
24
25
18
19
28
30
27
29
21

16.61
13.13
16.15
14.08
12.18
12.10
12.91
13.47
13.22
13.12
15.51
12.73
12.65
11.95
10.96
10.65
12.04
10.87
14.11
11.66
8.94
8.59
9.01
9.75
9.88
7.64
6.98
8.47
6.38
9.51

1
8
2
5
13
14
10
6
7
9
3
11
12
16
18
20
15
19
4
17
25
26
24
22
21
28
29
27
30
23

QAAUM
1 Mth Rank 3 Mth Rank 6 Mth Rank
(in Crs)
62.42
346.75
9.98
87.60
15.96
45.22
5.27
44.22
2.52
1.09
2.60
22.32
6.08
0.02

17.82
22.72
18.51
14.44
17.29
19.48
8.08
16.68
8.17
7.52
7.51
6.86
6.55
6.71

4
1
3
7
5
2
9
6
8
10
11
12
14
13

15.94
12.44
11.61
10.17
10.67
11.82
7.55
8.51
7.30
7.40
6.84
6.28
6.37
6.44

1
2
4
6
5
3
8
7
10
9
11
14
13
12

11.03
9.51
9.38
9.26
9.06
9.01
7.81
7.55
7.45
7.17
6.94
6.65
6.51
6.50

1
2
3
4
5
6
7
8
9
10
11
12
13
14

8.50
8.49
8.48
8.46
7.44
1 Yr
15.44
13.88
13.83
12.62
12.27
11.81
11.80
11.79
11.70
11.69
11.48
11.30
11.04
11.01
10.38
10.28
10.21
9.77
9.41
9.19
8.58
8.40
8.34
8.24
8.19
7.97
7.67
7.28
2.65
-1 Yr
9.31
8.74
8.83
9.12
8.60
8.60
7.96
7.83
7.73
7.45
7.84
7.23
7.19
6.84

4
5
6
7
8

8.82
8.48
8.78
9.19
7.46

5
7
6
3
8

Rank 3 Yrs Rank


1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
--

7.93
9.59
9.77
7.67
7.47
14.24
8.10
8.04
5.21
9.38
7.99
9.99
8.47
8.10
7.02
-6.95
6.33
6.66
8.97
6.43
6.16
5.97
6.19
-6.55
6.62
5.75
4.57
--

11
4
3
12
13
1
8
9
25
5
10
2
7
8
14
-15
20
16
6
19
22
23
21
-18
17
24
26
--

Rank 3 Yrs Rank


1
4
3
2
5
5
6
8
9
10
7
11
12
13

4.90
6.40
7.07
7.63
6.73
6.94
7.28
6.54
6.36
6.35
-5.83
-5.05

12
7
3
1
5
4
2
6
8
9
-10
-11

Avg
Expense
Mtrty
Ratio
(Yrs)
0.00
0.18
0.42
0.66
0.13
0.28
0.57
0.25
0.01
0.63
Avg
Expense
Mtrty
Ratio
(Yrs)
13.48
1.50
15.32
1.90
14.51
1.01
14.79
1.48
13.89
1.50
11.49
0.07
13.95
2.25
14.21
0.50
0.00
1.12
13.72
0.83
14.11
1.29
0.00
1.50
19.31
1.50
10.75
1.50
11.57
1.60
12.15
1.60
9.45
0.73
11.71
1.99
15.87
1.25
9.97
2.00
5.16
1.17
5.43
1.28
7.48
1.71
0.00
1.50
9.29
0.99
0.00
0.35
2.30
1.50
6.80
1.74
0.00
1.54
9.84
1.50
Avg
Expense
Mtrty
Ratio
(Yrs)
3.95
0.98
4.03
1.25
4.47
0.50
2.90
0.92
2.98
0.75
3.41
1.50
0.00
0.50
2.88
1.50
0.62
0.50
0.00
0.75
0.00
1.11
1.06
1.34
0.10
1.48
0.00
1.26

1/30/2013

CallOption
Calloption

UNDERSTANDINGCALLOPTIONAND
HOW IT IS USED IN STRUCTURING
HOWITISUSEDINSTRUCTURING
ELD

TwoParties
1) Callbuyer
Call buyer Payspremium
Pays premium
2) Callwriter getspremium
INCASEOFCALLOPTIONCALLBUYERGETTHE
RIGHTTOBUYTHEUNDERLYINGASSETATTHE
SPECIFICPRICEDURINGTHESPECIFICTIME
LIMITBYPAYINGCERTAINPREMIUM.

PayoffofCallBuyer

EXAMPLE.
BuyingacallofRelianceAuguststrikeprice1000at
premiumofRs.10
InabovecontractifABCisbuyerandXYZissellerthenABC
willpaypremiumofRs.10forbuyingcallofReliance
A
AugustStrikeprice1000.
t St ik
i 1000
InabovecasepotentialprofitforABCisunlimitedif
reliancepricemovesabove1010.andlossislimitedtothe
premiumRs.10onlyifreliancespriceremainsbelow
1000
IncaseofXYZprofitislimitedifreliancepriceremains
below1010andmaxgainwouldbeRs.10,butlossis
unlimitedifreliancepriceabove1010

PayoffofCallSeller
Strikeprice

Marketprice

Profit/Loss

Remarks

1000

950

10

MaximumGain

1000

900

10

MaximumGain

1000

1000

10

MaximumGain

1000

1005

MaximumGain

1000

1020

10

Differencebetweenmarketpriceandstrikepriceplus
premium

1000

1050

40

Differencebetweenmarketpriceandstrikepriceplus
premium

Strikeprice

Marketprice

Profit/Loss

Remarks

1000

950

10

Maximumloss

1000

900

10

Maximumloss

1000

1000

10

Maximumloss

1000

1005

Maximumloss

1000

1020

10

Differencebetweenstrikepriceandmarketpriceminus
premium

1000

1050

40

Differencebetweenstrikepriceandmarketpriceminus
premium

PARTICIPATIONINAUGUSTELD
115%participatininNIFTYsUpsideand
capitalguaranteeincaseNIFTYgoesdown
MeansifNIFTYincreasesby10%thenproduct
M
if NIFTY i
b 10% th
d t
returnwouldbe11.5%.Andifnitgyisdownafter
thegivenperiodfromitsinitiallevelthen100%
capitalprotectionisgiven.
HOWTHISKINDOFOUTPERFORMANCECANBE
ASSUREDORGURANTEED.???

1/30/2013

Cont.

HYPOTHETICALPORTFOLIOORELD..
1)Rs.750000/isinvestedintothefixincome
productmaturingafter40monthsdelivering
9%interest
Inanykindofmarketscenariotheabove
In any kind of market scenario the above
investmentwillgrowtoRs.1000000inforty
months.

2)Niftycallaugust2013strickeprice5500
premium1196
BuyacalloptionofNiftyLotof209bypayinga
premium of 250000
premiumof250000
Inabovecasemaximumlossisthe250000/ i.e.
premiumpaidiftheniftyclosingattheendofcontract
islessthan5500

Cont

Finalpayofffromtheportfolio..At
differentlevel

InitialNifty

Payofffrom Payofffrom
ClosingNifty TotalNiftycall calloption Fixedincome

Total
Payoff

Nifty

Product

5500

5000

209

1000000

1000000

9.09%

0.00%

5500

5500

209

1000000

1000000

0.00%

0.00%

5500

6000

209

104500

1000000

1104500

9.09%

10.45%

5500

7000

209

313500

1000000

1313500

27.27%

31.35%

5500

7500

209

418000

1000000

1418000

36.36%

41.80%

What are ELDs

Equity Linked Debentures

With the high volatility in the equity markets, investors


are increasingly looking at financial products which
provide stability along with decent returns.
Equity-Linked Debentures (or ELDs) are products
that provide:
1)

Capital protection,

2)

A slice of the stock market based returns

An ELD is a form of a fixed income product.

It differs from standard fixed-income product as the final


payout is also based on the return of the underlying equity,
which can be a set of stocks, basket of stocks or an equity
index (all pre-defined)

It is structured so as to give 100% capital protection with a


provision for equity participation.

Bonds are rated by an accredited rating agency.

Risk Return Reward

Simply put Equity Linked Debentures are


popularly known as capital protection funds & give
you the upside of equities and protect the
downside!

As per the risk return chart above, ELDs offer better returns
than FMP at a lower risk than equities.

Broad theme of ELDs

Typical Payoff Scenario

These bonds are linked to an index like the Nifty or


any/group of equity shares.
The issuer of bonds invests a p
pre-determined p
part of the
principal amount collected in fixed income securities like
bonds, which provide principal protection.
The balance is invested in call options which provide the
exposure to equity or stock index.

In a typical payoff scenario, as illustrated above, ELDs, on an


average, offer better returns than FMPs and even when the
Nifty goes down, you recover your principal amount.

Contd

Illustration

The returns are calculated in this manner:


Say, the fund house comes to an initial value of the Nifty,
which
h h is often
f
the
h average off the
h first
f
three
h
months.
h

Also suppose, the Niftys value has been 3,800, 4,000 and
4,200 at the end of months 1, 2 & 3:

Their average is worked out to be (3800+ 4000 + 4200)/3 =


4,000.

The final value is also calculated as the average of the last


three months.
Now, if the Niftys value closes at 5,000, 5,200, 5,500 in
months
h 34,
3 35
3 and
d 36 respectively,
l we can calculate
l l
the
h
average to 5,233.
So, the final Nifty returns come out to (5233 4,000)/4,000*100 = 30.82 per cent over the three-year
period.
The Nifty return, multiplied by the participation ratio (that
is pre-decided by the fund) is the final return.

Participation Ratio

In a nut shell

Participation Ratio is the ratio at which ELD participates in


the appreciation of the underlying equity index (say the
Nifty).
Nifty)

Principal
Remains
Intact

E.g. Participation Ratio of 100% implies that a 10% increase


in the Nifty will result in a final equity-linked coupon of 10%.

Remember

Equity linked debenture schemes do not allow premature


exits.
All benefits are subject to investment being held till
redemption date.
These products, though listed on the exchanges, are a bit
illiquid and hence difficult to sell or transfer.
In certain cases, the issuer or arranger of the notes may
offer to buy back the notes at a certain cut-off.

Equity
Market
Participation

Equity
Linked
Debentures
(ELD)

To Sum up

If investors model and balance their portfolio in a


disciplined manner and then hold it long term, they will
derive the same benefits as that of an equity linked plan.
By investing in these schemes, on the upside, they may
get a return related to the appreciation of the Nifty.
At worse, they won't lose their capital.

Product Features:

100% capital protection at Maturity

Tenure: 24 / 27 months

145% participation (PR) on the upside of S&P CNX Nifty Index

Barrier at 140% of Initial Level

If Nifty closing is above the barrier level on any of the observation dates, the product gives
a return of 33% (absolute) payable at maturity

Instrument: Secured Redeemable Non-Convertible Debenture

Issuer: Reliance Capital Limited

Issuer Rating: CARE PP-MLD AAA BY CREDIT ANALYSIS & RESEARCH LIMITED
(CARE)

Listing: BSE

Valuation Agency: CRISIL

Return on MLD

S&P CNX Nifty

70.00%
60.00%
50.00%

Returns (Absolute)

40.00%
30.00%
20.00%
10.00%
0.00%
4000
-10.00%

4500

5000

5500

6000

6500

7000

7500

8000

8500

9000

S&P CNX Nifty


-20.00%
-30.00%
-40.00%

NOTE: This scenario analysis is being provided for illustrative purposes only. It does not
represent all possible outcomes.

Scenarios

Barrier
Initial Level Final Level Condition
Met

Performance
of Reference
Index

Return on
Debenture

Initial
Investment
in MLD

Redemption
Amount

Return on
Debenture
(annualized)

Rising
Market
Conditions

5500

7500

Yes

36.36%

33.00%

1,000,000

1,330,000

13.48%

5500

7500

No

36.36%

52.73%

1,000,000

1,527,273

20.66%

Stable
Market
Conditions

5500

5600

Yes

1.82%

33.00%

1,000,000

1,330,000

13.48%

5500

5600

No

1.82%

2.64%

1,000,000

1,026,364

1.16%

Falling
Market
Conditions

5500

4200

Yes

-23.64%

33.00%

1,000,000

1,330,000

13.48%

5500

4200

No

-23.64%

0.00%

1,000,000

1,000,000

N.A

Product Features:

100% capital protection at Maturity

Tenor 36/40 Months

Initial Nifty Level - Initial Trade Date

Final Nifty Level - Trade Date + 36 Months

Nifty Performance Final Nifty/Initial Nifty 1

Capital Protection Principal Protected

Auto-call Trigger 110.00%

Auto-call Coupon 15.60% p.a. (simple)

Redemption Trade Date + 40 Months

Auto-call Observations: 15m,18m, 21m, 24m, 27m, 30m, 33m, & 36m

Payout: 3 months after auto- call

Instrument: Secured Redeemable Non-Convertible Debenture

Issuer: Reliance Capital Limited

Issuer Rating: CARE PP-MLD AAA BY CREDIT ANALYSIS & RESEARCH


LIMITED (CARE)

Listing: BSE

Valuation Agency: CRISIL

Final Coupon Payout


If Auto-called:
Principal + Auto-call Coupon (paid till Auto-call date)
Else,
Principal

Scenario Analysis
S&P CNX Nifty

Return on MLD

70.00%

60.00%
50.00%

30.00%
20.00%
10.00%

9000

8750

8500

8250

8000

7750

7500

7250

7000

6750

6500

6250

6000

5750

5500

5250

5000

4750

4500

-10.00%

4250

0.00%
4000

Returns (Absolute)

40.00%

S&P CNX Nifty

-20.00%
-30.00%
-40.00%

Performance
Initial
Return on
Return on
Redemption
of Reference
Investment
Debenture
Debenture
Amount
Index
in ELD
(annualized)

Scenario

Initial

Final

I-Rising
Market
Conditions

5500

8500

54.55%

46.50%

1,000,000

1,465,000

12.14%

5500

7000

27.27%

46.50%

1,000,000

1,465,000

12.14%

II-Stable
Market
Conditions

5500

6200

12.73%

46.50%

1,000,000

1,465,000

12.14%

5500

5500

0.00%

0.00%

1,000,000

1,000,000

Nil

III-Falling
Market
Conditions

5500

4500

-18.18%

0.00%

1,000,000

1,000,000

Nil

5500

4000

-27.27%

0.00%

1,000,000

1,000,000

Nil

NOTE: This scenario analysis is being provided for illustrative purposes only. It does not represent all
possible outcomes. *For illustration purposes we have assumed that the Auto-call trigger is hit on final
observation date. It does not represent all possible scenarios

NAME

______________________

DATE

____________________

ROLLNO. _________________________

WEIGHTAGE
4%
1) Interestrateriskis_________________risk.
A SystematicRisk
B UnSystematicRisk
2) WhilecomputingtheTrenyorratio,Riskpremiumisdevidedby.
A Beta
B StandardDeviation
C UnsystematicRisk
3) 2*standatddeviationmeans_____________probabilityofgettingaveragereturn+/standarddeviation.
2* standatd deviation means
probability of getting average return +/ standard deviation
4) IfBetaofsomestockis1.2,thenineventofmarketfallingby2%thestockpricewould_______________by_________.
A
B
C
D

Increase,1.2%
decrease,1.2%
increase,2.4%
decrease,2.4%

5) Interestrateandbondpricesare_______________related.
A
B
C
D

Inversly
Adversly
Positively
Linerly

6) Diversifyingtheportfoliohelpsinreducing______________________risk.
A Systematic
B Unsystematic

7) whatwouldbethecurrnetyieldofbondwiththefacevalueofRs50and8%coupenrateandmarketpriceofRs.55.
A
B
C
D

8.00%
8.80%
7.20%
%
7.27%

8) Ifyoufeeltheinterestratesaregoingtofall,thenwhichportfoliowouldyouchoseoutofthefollowing.
A Portfoliowith1yearaveragematurity
Portfolio with 1 year average maturity
B Portfoliowith3yearsaveragematurity
C portfoliowith7yearsaveragematurity
9) Wheninterestratesareexpectedtorise,it'salwaysbettertoinvestintotheportfoliowith.
A
B
C
D

Longermaturityperiod
Shortermaturityperiod
MediumMaturityPeriod
Allofabovearegoodoptions

10) Ifthecreditriskofanycompanyfallit'scurrentyieldwill.
A Increase
B Decrease
11) RiskfreeReturn7%,Inflation5%,Returnfromtheportfolio15%,Beta1.2,StandardDeviationis2.5%
FindoutSharpeRatio
A
B
C
D

6.67
8.33
3.2
4

12) RiskfreeReturn7%,Inflation5%,Returnfromtheportfolio15%,Beta1.2,StandardDeviationis2.5%
FindoutSharpeRatio
A
B
C
D

6.67
8.33
3.2
4

13) WhatwouldbethefuturevalueofRs13500investedqurterlyfornext15yearsassuming15%rateofCAGR
Assumingtheinvestmentisdoneatheendofqurter.
___________________________
14) HowmuchoneneedtoinvestonmonthlybasisforachivingthetargetamoutnofRs5000000/after10yearsifthereturnoninvestmentis12%
Assuingtheinvestmentisdoneatthebeginingofthemonth.
___________________________
15)FacevalueoftheSahreRs10,andCurrentMarketPriceisRs460.Companyisdeclaring500%dividend.Whatwoudlthethedividendyield?
____________________________
16) Allocationchargesareimprotantfactorforinvestorwhiletakingdecisionregardingbuyingof_________________
A TermPlan
B TraditionalPlans
C UnitLinkedInsurancePlan
17)WhatistheminimumlockinperiodintotheULIPplans?
A
B
C

3
5
7

18) UnitlinkedinsuranceplaninvestsintotheequitymarketwhiletraditionalplansinvestsintotheGovernmentsecurities.
A
B

TRUE
FALSE

19) Onecannotmakeaprofitoutofinsurnacecontractbecausetheinsurnaceisthecontractof
A Idemnity
B Utmostgoodfaith
C humanlifevalue

20)NeedbasedInsurancemethodofcalculatingtheinsuranceamountconsidersthecurrentincomelevelofthepersontobeinsured
whilecalculatingtheideallifeinsuranceprotectionrequiredbytheperson.
A
B

TRUE
FALSE

21) FinancialFreedommeansthecurrentincomelevelofthepersonismuchhigherthanhismonthlyhouseholdexpenseandbeindebtfree.
A
B

TRUE
FALSE

22) Whichisthebestinsuranceplanfortheindividulawantingtogetthemaximumriskcoverwithminimumpremium
A
B
C
D

ULIPwithzeroallocationcharge
TraditionalPlan
TermInsurancePlans
Noneoftheabove

23) Howmanyyearswouldittaketodoubleyourmoney,iftherateofreturnis11%
A
B
C
D

5.5year
6years
6.6years
7years

24) Convert18%annualgrowthrateintothemonthlycompoundingrate.
A
B
C
D

1.49%
1.39%
1.29%
1.50%

25) TocreatetheretirementcorpusofRs10000000(1crore)after25yearshowmuchmonthlyinvestmentisneed?Iftherateof
returnis8%,12%,15%and20%
_________________
8%

_____________________
12%

_____________________
15%

___________________
20%

NAME

______________________

DATE

____________________

WEIGHTAGE

ROLLNO. _________________________

4%

1) Interestrateriskis_________________risk.
A UnSystematicRisk
B SystematicRisk
2) WhilecomputingtheSharperatio,Riskpremiumisdevidedby.
A StandardDeviation
B Beta
C UnsystematicRisk
3) 1*standatddeviationmeans_____________probabilityofgettingaveragereturn+/standarddeviation.
4) IfBetaofsomestockis1.25,thenineventofmarketfallingby3%thestockpricewould_______________by_________.
A
B
C
D

Increase,1.25%
decrease,1.25%
increase,3.75%
decrease,3.74%

5) Interestrateandbondpricesare_______________related.
A
B
C
D

Adversly
Inversly
Linerly
Positively

6) HedgintheportfoliowithFuture/optionhelpsinreducing______________________risk.
A Systematic
B Unsystematic

7) whatwouldbethecurrnetyieldofbondwiththefacevalueofRs75and10%coupenrateandmarketpriceofRs.85.
A
B
C
D

8.82%
10.00%
7.82%
9.82%

8) Ifyoufeeltheinterestratesaregoingtogoup,thenwhichportfoliowouldyouchoseoutofthefollowing.
A Portfoliowith1yearaveragematurity
B Portfoliowith3yearsaveragematurity
C portfoliowith7yearsaveragematurity
9) WheninterestratesareexpectedtoFall,it'salwaysbettertoinvestintotheportfoliowith.
A
B
C
D

Longermaturityperiod
Shortermaturityperiod
MediumMaturityPeriod
Allofabovearegoodoptions

10) Ifthecreditriskofanycompanyincreasesit'scurrentyieldwill.
A Increase
B Decrease
11) RiskfreeReturn7%,Inflation5%,Returnfromtheportfolio15%,Beta1.2,StandardDeviationis2.5%
FindoutTrenyorRatio
A
B
C
D

6.67
8.33
3.2
4

12) RiskfreeReturn7%,Inflation5%,Returnfromtheportfolio15%,Beta1.2,StandardDeviationis2.5%
FindoutTrenyorRatio
A
B
C
D

6.67
8.33
3.2
4

13) WhatwouldbethefuturevalueofRs3000investedmonthlyfornext15yearsassuming15%rateofCAGR
Assumingtheinvestmentisdoneatheendofmonth.
___________________________
14) HowmuchoneneedtoinvestonqurterlybasisforachivingthetargetamoutnofRs5000000/after10yearsifthereturnoninvestmentis12%
Assuingtheinvestmentisdoneatthebeginingofthequrter.
___________________________
15)FacevalueoftheSahreRs10,andCurrentMarketPriceisRs460.Companyisdeclaring500%dividend.Whatwoudlthethedividendyield?
____________________________
16) Allocationchargesareimprotantfactorforinvestorwhiletakingdecisionregardingbuyingof_________________
A TermPlan
B UnitLinkedInsurancePlan
C TraditionalPlans
17)WhatistheminimumlockinperiodintotheULIPplans?
A
B
C

3
7
5

18) UnitlinkedinsuranceplaninvestsintotheequitymarketwhiletraditionalplansinvestsintotheGovernmentsecurities.
A
B

TRUE
FALSE

19) Onecannotmakeaprofitoutofinsurnacecontractbecausetheinsurnaceisthecontractof
A Utmostgoodfaith
B Idemnity
C humanlifevalue
20)NeedbasedInsurancemethodofcalculatingtheinsuranceamountconsidersthecurrentincomelevelofthepersontobeinsured
whilecalculatingtheideallifeinsuranceprotectionrequiredbytheperson.
A
B

TRUE
FALSE

21) FinancialFreedommeansachivingthepassiveincomewhichismorethanyourcurrentandfuturerequirements.
A
B

TRUE
FALSE

22) Whichisthebestinsuranceplanfortheindividualwantingtogetthemaximumriskcoverwithminimumpremium
A
B
C
D

ULIPwithzeroallocationcharge
TraditionalPlan
TermInsurancePlans
Noneoftheabove

23) Howmanyyearswouldittaketodoubleyourmoney,iftherateofreturnis13%
A
B
C
D

5.5year
6years
6.6years
7years

24) Convert18%annualgrowthrateintothemonthlycompoundingrate.
A
B
C
D

1.39%
1.49%
1.50%
1.29%

25) TocreatetheretirementcorpusofRs10000000(1crore)after25yearshowmuchmonthlyinvestmentisneed?Iftherateof
returnis8%,12%,15%and20%
_________________
8%

_____________________
12%

_____________________
15%

___________________
20%