Warren Buffett's Investment Basics

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/
2010
PetrolPrice:Rs55/L
2010
MBACourse:10,00,000/
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
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..!!!
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%
20873
Sensex July2010
Fixedinvestmenton
1st dayofeverymonth
CaseStudy 1
Case2
Sensex March2009
Fixedinvestmentat
lowestsensexvalue
everyyear
LetsseehowdidtheSIPinvestorsfareinpass
tworealMarketscenarios.
SchemeName
Systematic
regular
investormake
Money
VolatileMarket
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
17
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
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)
1, 7 , 10 , 14, 20, 21, 28

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

1,7,14,20,25
Fortnightly(1,15)
Mthly & Qtly (1,7,15,25)

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

Monthly (1 ,7,10,20,28)
Weekly (Every Friday)
Nav
SIP for 10 Yr
Invt amt 120000
End Date : 01.01.13
SIP for 5 Yr
Invt amt 60000
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)
1 , 7 , 10 , 20
1000 (Min 6 Instal)
1% (1 yr)
Daily (Any Date)

(7,14,21,28) Fortnighlty (1,16)

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

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)
1, 5,10 , 15 ,20, 25
1,5,15,25
1,7,14,21,25
Monthly (1 ,7,10,20,28)
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)
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
1, 7 , 14 , 21, 28
1, 5,10 , 15 ,20, 25
Reliance Equity Fund
100 (Min 60 Instal)
1% (1 yr)

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
End Date : 01.01.13

SIP for 3 Yr
Invt amt 36000
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
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
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)
1,7,14,20,25
1,7,14,21
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
Fortnightly(1,15)
3 , 10 , 17 , 26, 30
1, 7 , 10 , 14, 20, 21, 28
Monthly (1 ,7,10,20,28)
Nav
SIP for 10 Yr
Invt amt 120000
End Date : 01.01.13
SIP for 5 Yr
Invt amt 60000
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)

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

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)
ELSS Funds
1,5,10,15,20,25
1,5,10,15,20,25
3 , 10 , 17 , 26, 30
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
End Date : 01.01.13

Scheme
Minimum Invt
SIP for 3 Yr
Invt amt 36000
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
1% (1 yr)

Fortnightly(1,15)
2 , 10 , 18 , 28
Daily (Any Date)

(7,14,21,28) Fortnighlty (1,16)

Fortnighlty (1,16)
40.50
14106.75
37.26
16
45319.11
15.96
100275.82
20.98
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)
2000 (Min 6 Instal)
1% (1 yr)

Birla Sun Life MNC Fund
Kotak Midcap Fund
Franklin India High Growth Companies
Birla Sun Life Top 100 Fund
ICICI Prudential Infrastructure Fund
Birla Sun Life Frontline Equity Fund
UTI Thematic Mid Cap 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
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

ICICI Prudential Dynamic Plan
Birla Sun Life Dividend Yield Plus
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
1,7,14,21,25
Any Date
1, 7 , 10 , 14, 20, 21, 28

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

1,7,14,20,25
Fortnightly(1,15)
Mthly & Qtly (1,7,15,25)

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

Monthly (1 ,7,10,20,28)
Nav
SIP for 10 Yr
Invt amt 120000
End Date : 01.01.13
SIP for 5 Yr
Invt amt 60000
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)
1 , 7 , 10 , 20
1000 (Min 6 Instal)
1% (1 yr)
Daily (Any Date)

(7,14,21,28) Fortnighlty (1,16)

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

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

HDFC Growth Fund
HDFC Top 200
DSP BlackRock Top 100 Equity Fund
ICICI Prudential Power
HDFC Equity Fund
Reliance Growth
Kotak 30
DSP BlackRock Opportunities 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)
1, 5,10 , 15 ,20, 25
1,5,15,25
1,7,14,21,25
Monthly (1 ,7,10,20,28)
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)
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
1, 7 , 14 , 21, 28
1, 5,10 , 15 ,20, 25
100 (Min 60 Instal)
1% (1 yr)

Fortnightly(1,15)
2 , 10 , 18 , 28
15.54
14072.82
36.63
17
41098.96
9.03
49

Birla Sun Life Equity Fund
Birla Sun Life Mid Cap Fund
500
500 or 1000
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
End Date : 01.01.13

SIP for 3 Yr
Invt amt 36000
End Date : 01.01.13
Minimum Invt
Exit Load
STP Dates
SIP Dates

L&T Midcap Fund
Fidelity Equity Fund
SBI Magnum Sector Umbrella - Contra
UTI Top 100 Fund
Sundaram BNP Paribas SMILE Fund
UTI Mastershare
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
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)

Birla Sun Life Infrastructure Fund
ICICI Prudential Emerging STAR Fund

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)
1,7,14,20,25
1,7,14,21
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
Fortnightly(1,15)
3 , 10 , 17 , 26, 30
1, 7 , 10 , 14, 20, 21, 28
Monthly (1 ,7,10,20,28)
Nav
SIP for 10 Yr
Invt amt 120000
End Date : 01.01.13
SIP for 5 Yr
Invt amt 60000
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)

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

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 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

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
500 (Min 12 Instal)
3 Year Lock-in
Monthly (1 ,7,10,20,28)
ELSS Funds
1,5,10,15,20,25
1,5,10,15,20,25
3 , 10 , 17 , 26, 30
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

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

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

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)

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)

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

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
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
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
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
17

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)
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
9 Diversified Funds
9 Sector Funds
9 Index Funds
Based on the investment objective
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

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)
Professional Management:
Liquidity & Convenience:
Experience and resources to thoroughly analyze the

economy/markets to spot good investment opportunities

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?

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- 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
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 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.
Save for future
Savings is for Future Goals
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
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
5/31/1996
15.65
7/30/2003
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
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.
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.
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
Reliance RSF Equity
Escorts Leading Sectors 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
Birla SL Equity Fund
Kotak Select Focus Fund
BNP Paribas Equity Fund
ICICI Prudential Top 200 Fund
Birla SL Pure Value Fund
Canara Robeco Equity Diversified
Religare Equity Fund
Sundaram Equity Multiplier Fund
Taurus Starshare Fund
UTI Equity Fund
UTI Masterplus Unit Scheme 91
Principal Smart Equity Fund
Birla SL Advantage Fund
UTIMEPUS
JM Multi Strategy Fund
Sahara Growth Fund
LIC Nomura Equity Fund
Sundaram Growth Fund
Sahara Wealth Plus Fund FP
HDFC LT Equity Fund
LIC Nomura MF Growth 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
Birla SL Frontline Equity Fund Plan A
Birla SL Top 100 Fund
ING Core Equity Fund
Morgan Stanley Growth Fund
Daiwa Industry Leaders Fund
HDFC Equity Fund
Axis 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
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
(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
--

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
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
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
Sundaram SMILE Fund
Religare Mid Cap Fund
DSP BR Small and Midcap Fund
HDFC MidCap Opportunities Fund
UTI Mid Cap Fund
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
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
L&T India Special Situations Fund
Mirae Asset India Opportunities Fund
HSBC Unique 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
(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
(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
(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

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
DWS Investment Opportunity 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
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

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

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

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

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

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

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
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
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

-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

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

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
--

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
-----

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
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
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
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

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

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

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

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

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
(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
(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
(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
(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
(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
(Dec12)
(in Crs)
78.57 18.03
1 38.77
1
38.15 17.59
2 34.63
2
QAAUM
(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
(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
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
--

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 %
(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
(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

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
(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
QAAUM
(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
(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
(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
(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

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
(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

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
(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
(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
(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

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
(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
(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
(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
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
FindoutTrenyorRatio
A
B
C
D
6.67
8.33
3.2
4
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%

Warren Buffett's Investment Basics

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Warren Buffett's Investment Basics

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(Marketing of Financial Product)

What WARREN BUFFET says about the Basics of Investment?

*Human Life Value

Terms you should know about the Life Insurance:

What To Look For In Your Insurance Contract

Mentioned below are 10 key parameters to weigh once you

Verify personal details

Analyze the benefits

Check the riders

Consider the payment tenure

Authenticate the returns

Comb through the policy contract

Confirm surrender charges

Claims settlement process

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

What Sounds Better???

Human Life Cycle

PHASE II: The most challenging PHASE

Kal Aaj Aur kal

Some facts of future cost

Some facts of future cost

Some facts of future cost

Brief look at our future cost

Inflation robs your purchasing power

Its Difficult to Invest

How can you create wealth?

Start Saving Early

Start saving early Dont delay..!!!

25years 30years 35years 40years

Save in the right asset class

25 years30 years35 years40 years45 years50 years

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

Save in the right asset class

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

Equity assets class through mutual funds

SIP - The best way for Investment

Sensex Feb2000 5933

Sensex Sep2001 2600

Amt valuein Abs

SIP - The best way for Investment

SIP - The best way for Investment

SIP - The best way for Investment

EYE OPENER PERFORMANCE SNAPSHOT

SIP - 8TH Wonder of the World

SIP Power of Compounding

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

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

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

EQUITY FUNDS SYSTEMATIC INVESTMENT PLAN

SBI Magnum Sector Umbrella - Emerging Busine

5, 10, 15, 20, 25, 30

Reliance Equity Opportunities Fund

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

Daily (Any Date)

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

Last day of the Month & Every Monday

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

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

100 (Min 60 Instal)