Empower for the Month of February 2013 - Birla Sun Life Mutual Fund

Index 

All About Mutual Funds 01 

Investment Outlook 02 

Savings Solutions 04 

Birla Sun Life Cash Plus 05 

Birla Sun Life Cash Manager 06 

Birla Sun Life Savings Fund 07 

Birla Sun Life Ultra Short Term Fund 08 

Birla Sun Life Dynamic Bond Fund 09 

Birla Sun Life Medium Term Plan 10 

Birla Sun Life Income Plus 11 

Birla Sun Life Short Term Fund 12 

Birla Sun Life Floating Rate Fund - Long Term Plan 13 

Birla Sun Life Floating Rate Fund - Short Term Plan 14 

Birla Sun Life Gilt Plus 15 

Birla Sun Life Government Securities Fund 16 

Birla Sun Life Short Term Opportunities Fund 17 

Regular Income Solutions 18 

Birla Sun Life Monthly Income 19 

Birla Sun Life MIP 20 

Birla Sun Life MIP II - Wealth 25 Plan 21 

Birla Sun Life MIP II - Savings 5 Plan 22 

Wealth Creation Solutions 23 

Birla Sun Life ‘95 Fund 24 

Birla Sun Life Frontline Equity Fund 25 

Birla Sun Life Top 100 Fund 26 

Birla Sun Life Equity Fund 27 

Birla Sun Life Advantage Fund 28 

Birla Sun Life Pure Value Fund 30 

Birla Sun Life Midcap Fund 31 

Birla Sun Life Small & Midcap Fund 32 

Birla Sun Life MNC Fund 33 

Birla Sun Life Dividend Yield Plus 34 

Birla Sun Life Infrastructure Fund 35 

Birla Sun Life India Reforms Fund 36 

Birla Sun Life India GenNext Fund 37 

Birla Sun Life Buy India Fund 38 

Birla Sun Life Special Situations Fund 39 

Birla Sun Life India Opportunities Fund 40 

Birla Sun Life New Millennium Fund 41 

Birla Sun Life Asset Allocation Fund 42 

Birla Sun Life Enhanced Arbitrage Fund 43 

Birla Sun Life Commodity Equities Fund 44 

Birla Sun Life International Equity Fund - Plan A 45 

Birla Sun Life International Equity Fund - Plan B 46 

Birla Sun Life Index Fund 47 

Tax Savings Solutions 48 

Birla Sun Life Tax Relief ‘96 49 

Birla Sun Life Tax Plan 50 

Close Ended Scheme Performance 51 

Fund Manager Wise Scheme Performance 52 

Funds at A Glance 53 

Investment Objective 57 

Dividend History 59 

Industry Allocation 61 

Birla Sun Life Long Term Advantage Fund 29

All About Mutual Funds 

Rising expenses, children’s education, 

unexpected emergencies and finally retirement 

– the demands on people’s money seem to 

be ever-rising. And savings alone may not 

prove to be enough to meet them all. Making 

judicious investments though can make their 

money work harder. However, most people are 

reluctant to invest as they find it very puzzling. 

More so, they don’t have the time to monitor 

the stock markets. 

What is the way then to help you achieve 

your financial needs and goals? The 

answer can be mutual funds. Here are 

a few things about mutual funds that 

you must know in order to benefit from 

them: 

What are mutual funds? 

A mutual fund is a professionally managed collective 

investment scheme that pools money from many investors. 

This money is then invested in stocks, bonds, short-term 

money market instruments, and/or other securities. 

Types of mutual funds 

Mutual funds can broadly be classified as open ended 

or close ended. While open ended funds are available for 

subscription and repurchase on a continuous basis and 

do not have a fixed maturity period, close ended funds are 

open for subscription only during a specified period at the 

time of launch of the scheme and have a stipulated maturity 

period. The funds can further be classified according to the 

investment objective as: 

• Growth or equity funds: The aim of growth funds is to 

provide capital appreciation over medium to long term. 

Such schemes normally invest a major part of their 

corpus in equities and have comparatively high risks. 

• Debt funds: The objective of debt funds is to generate 

steady returns while aiming to preserve your capital. 

They invest only in fixed income instruments like 

company bonds, debentures, government securities etc. 

• Balanced funds: These funds invest in both equity and 

debt in varying proportions. So, their average returns and 

risk profile also fall some where in between growth and 

debt funds. 

How do mutual funds score over equities? 

Unlike equity Investments, mutual fund investments do not 

require you to analyze and track companies and the ways 

of the market. Also they can help them stay less affected by 

the fall in the prices of one particular stock as their returns 

are derived by overall performance of various stocks that the 

Mutual Fund invests in. 

What’s the right time to buy and sell mutual funds? 

The right time to buy mutual funds is when the prices of the 

funds are low or falling. However, the holding period should be 

determined by the market conditions ideally. For eg. in growth 

funds a greater holding period can offer greater chance to 

benefit. 

What are SIPs? 

A systematic investment plan allows you to invest in a fund 

at regular intervals rather than a lump sum one time amount. 

SIPs are based on the principle of rupee cost averaging 

which can help make a fall in scheme’s NAV work to the 

investor’s advantage. When the NAV falls because of a fall 

in the market, SIP can help accumulate more units at lower 

rates while restraining them from going overboard in a rising 

market by giving fewer units at those higher levels. Further, 

by staying invested for a long period of time, they may also 

profit from the appreciation in equities tend to show over the 

long term. 

How do I select the right mutual funds? 

While choosing a mutual fund, it’s important to keep your 

objectives, risk appetite and investment budget in mind. You 

should also keep in mind the performance of the fund over 

the last couple of years and check the exit load charged by a 

particular scheme which is charged as a percentage of NAV 

and has the effect of reducing returns by that amount. 

By keeping these simple things in mind, 

you can make mutual fund investments 

that can work to your advantage and 

help in realizing your financial goals. 

01

Investment Outlook 

Equity Investment Outlook 

The benchmark indices, Sensex and Nifty rose 2.4% and 2.20% respectively over the last 

month. This was aided by gains in sectors such as IT, Oil & Gas, Realty and Banking. On 

the other hand, Metals, Auto, Pharma, Capital Goods and Infrastructure bore the brunt of 

investor selling. Broader market indices were little subdued with BSE500 gaining by 1.1% 

only. This was mainly on account of poor show by mid caps which fell by 1.7% (CNX Mid 

cap Index). 

FIIs started the year with stepped up pace of buying in Jan with net purchases to the tune 

of $4.1bn. Note that we had finished CY12 with $25bn of FII inflows into equities. Domestic 

Institutional Investors (DIIs) once again remained firmly positioned on the other side of the 

trade, notching up another $3.2bn in net selling. Among the DIIs, Insurance companies 

were by far the bigger sellers ($2.3bn) with the Mutual Funds adding another $870mn. 

Key point to note is the continuation of reforms with announcements on fuel subsidy 

reduction by tackling contentious issue of diesel price deregulation – allowing Oil Marketing 

Companies (OMCs) to raise diesel prices in small steps every month. Controversial 

tax proposals under GAAR were also deferred by 2 years and will be implemented on 

prospective basis, increasing railway passenger fares etc. The FM has been on a roadshow 

meeting foreign investors across geographies and sending a categorical message that 

fiscal prudence would be maintained. To this end, we expect the divestment activity to 

continue following stake sale in Oil India. We expect policy action would continue in form of 

project clearances coming through (Cabinet Committee on Investments to play key role in 

this), establishment of coal price pooling mechanism to enable supply of imported imports 

to stranded power plants, implementation of State Electricity Board (SEB) reforms etc. 

As the earnings reporting season is progressing, we are witnessing more positive surprises 

than negative ones, leading to net positive revision in earnings. This is in line with our view 

that earnings growth is likely to see an upward trajectory going forward. Further, RBI’s 

decision to reduce Repo rate and CRR by 25 bps each should also help lower interest rates 

for borrowers and eventually provide some relief on corporates’ bottom lines. 

Another important point is that equity deals have started picking up as we saw deals 

totaling $1.1bn during the month. This includes fresh equity raising as well as stake sales. 

As per media reports there is a strong deals pipeline for the next 2 months. We think this 

would help repair some of the broken balance sheets and provide capital for growth to the 

corporate sector. 

We maintain our positive stance in equity markets for the year and beyond. The returns 

would be governed by earnings growth revival. The trajectory is unlikely to be linear as 

market sentiments may oscillate with policy actions or events. As we have seen any such 

volatility presents opportunity to pick up stocks at attractive levels, investors should allocate 

incremental capital to equities in such situations. This is part of market psyche where the 

effect of such transient issues diminishes over medium term and the market eventually 

resumes its trajectory towards underlying earnings growth. 

Debt Investment Outlook 

Domestic Growth Outlook 

As we complete the first month of 2013, our base case remains that GDP growth in 2013 

will pick-up to 6.5% from the 5-5.5% GDP growth we expect in 2012. The biggest comfort 

we draw in this conclusion is that India’s industrial growth as reflected by IIP seems 

to have bottomed out. After averaging close to 0% in the Mar’12-Sep’12 (on a 3mma 

basis), 3mma IIP has picked up to 2.4% in Nov’12. Moreover, we expect the reforms 

initiative started by the current finance minister in Sep’12 to further boost the industrial 

cycle. According to us, the most important reform in the last few months from a growth 

perspective is the formation of a Cabinet Committee on Investments (CCI) which can help 

resolve the almost 8 trillion rupees worth of large projects (based on CMIE data) that have 

been stalled due to environmental and regulatory clearances. 

On a fundamental level, there are 2 key reasons why we expect growth to pick-up in CY 

2013. Firstly, the reforms momentum initiated by the government which can help restart 

the investment cycle of the country and resolve the backlog of stalled projects. Secondly, 

we believe RBI will be cutting rates by 50-75bps in CY 2013. And this will have a positive 

effect on GDP growth by boosting consumption. RBI has already started this cycle by a 

25bps rate cut in January 2013. Unfortunately, if the CAD (current account deficit) and 

fiscal deficit of the country were not in such a bad state, the central bank could have taken 

much more stronger steps in re-invigorating growth. 

That said, we remain cognizant of incoming data and are always on the look-out for 

data that might challenge our above view. For example, some of the recent data points 

such as January PMI data and December credit growth are concerning from a growth 

perspective. Moreover, RBI in its latest monetary policy talked about continued slowdown 

in the services sector – a key reason RBI has downgraded FY13 GDP growth to 5.5% from 

its earlier estimate of 5.8%. Finally, we are closely watching the fiscal consolidation efforts 

by the government which also have a short term negative effect on growth. 

Overall, we retain our view that growth can recover to 6.5% in 2013 but are closely 

watching the economic trends that might change our forecast. 

Domestic Inflation Outlook 

One of the key economic puzzles for us in 2012 was the stubbornness in India’s inflation. 

Despite a dramatic slowdown in growth from the 9.3% in FY11 to 5.3-5.4% in first 6 

months of FY13, our wholesale price index (WPI) remained pretty range bound in 7.5-8% 

range for the first 9 months of the year. But finally, there are some positive signs emerging 

on the inflation picture. WPI has moderated to 7.18% in Dec’12 after averaging 7.63% in 

the first 9 months of 2012. Moreover, we expect inflation to moderate further to ~6.5% by 

Mar 2013 and average 6.5-7% for CY 2013. 

Historically, India’s inflation has had a very strong correlation with global commodity 

prices. In this regard, the fact that global commodity prices have remained range-bound 

despite the significant quantitative easing programs announced by western central banks 

(US federal reserve has committed itself to expand its balance sheet by ~$1 trillion in 

2013) is a significant positive for our inflation picture. Another big positive is that the 

growth slowdown should have resulted in excess capacity In the economy – thus mitigating 

inflationary forces in the economy. 

One key point to note here is that increase in diesel prices (the steps announced by 

government recently) are a significant positive for the economy even though there may be 

a 50-75bps incremental impact on inflation of the diesel price hikes in the short run. Diesel 

price hikes are a significant positive because it releases our suppressed inflation and thus 

removes one of RBI’s key concerns regarding lowering interest rates. 

Debt Market Outlook 

After WPI printed 7.18% in mid January 2013, significantly lower than market consensus 

and much below RBI’s own fan chart on inflation, gilts rallied and 10 year benchmark 

briefly touched 7.80% in expectation that RBI may cut repo rate by 50 bps. However after 

this brief euphoria, market woke up to the hawkish comments from RBI governor on still 

elevated level of inflation in the economy. These comments spooked the bond markets and 

reduced the possibility of RBI doing anymore cut than 25 bps on repo. In the monetary 

policy, the RBI did stick to only 25 bps cut in repo and also delivered 25 bps cut in CRR. 

In its post policy con-call and post policy interaction with media, RBI expressed its 

discomfort on the level of current account deficit (CAD) of the country, something that had 

made us equally worried in the recent past especially after seeing 5.4% CAD in Q2FY13 

especially at a time when domestic growth has slowed down significantly. With CAD ruling 

very high, inflation expected to hover around 6.5%-7% in 2013 and domestic growth 

bottoming out, we feel it is a highly unlikely that the RBI will deliver aggressive rate cuts in 

this cycle something that was seen during 2001-03 and 2009-10. 

We believe that terminal repo rate in this interest cycle, may at best be 7.25% and that this 

repo rate will be visible not before H2CY13. The anomaly is that by the time the terminal 

repo rate will drop to 7.25% the worries on fiscal account due to nearing General Election 

would begin to resurface. We may see the ruling party being aggressive on social spending 

(e.g. a big push on food security bill) going into election, we may see some of the current 

reforms being halted (e,g, a halt in monthly Diesel price hikes) or even unwound. 

Overall CY13 will be a year of 2 halves. In the first half we will have lot of good news on 

fiscal front, on reforms front and bit on monetary policy front but it is difficult to say how 

many of these fiscal measures will stay as the General election approaches. 

In the last 1 year, 10yr gilt has rallied by almost 100 bps. We were at 8.78% in April 2012 

and touched 7.80% in Jan 2013. Of this 100 bps, almost 40 bps rally was witnessed in 

Dec-Jan itself. If you can recall, we had given a call in the month of August when 10 year 

Gsec was hovering at around 8.25%, that 10 yr yield will go to 7.50%. Of the 75 bps rally 

that we had talked about, 45bps panned out by Jan 2013. In all our duration portfolios, 

viz; Dynamic Bond Fund (DBF), Income Plus (BIP) and Govt. Securities Fund – LT we 

played this rally with a very high level of conviction. At peak our exposure to gilts/ SDLs 

(SLR securities) across our duration funds was much higher compared to many of our 

competitors. In DBF we had a peak exposure of 23%, in Income Plus the exposure was 

86% and in our gilt funds the exposure was 95% to SLR securities. We also played this rally 

chiefly through gilts than through SDLs. 

We reduced our exposure to gilts across our funds in 7.80-84% yield band. This is because 

with sharp rally already behind us, quantum of balance rate cut being small and timing of 

rate cuts being well spaced out, we believe it may not be possible for 10 year to go near 

7.50% anytime soon. From here till April, we do not see any great triggers that may result 

into another 20-40 bps rally. At best the market may stay range bound between 7.80-8% 

till April 2013. 

Going forward, increase in duration in our funds will be based on evolving macro-economic 

developments and market technicalities. In our DBF, Short Term Fund (STF) and our other 

ultra short term funds, we are readying ourselves to play yield curve inversion going into 

March. We will play this opportunity in BIP too, while taking tactical calls in GOIs/ SDLs/ 

Corporate bonds as and when the opportunity arises. 

Our advice to investors would be to stay invested in duration funds at this point of time 

as we believe another 25-50 bps repo cut is a good possibility; however we would like 

to caution our investors that the past performance, especially the recent one may not be 

repeated as we pass through a tumultuous period going ahead. 

02

Savings Solutions 

What are Saving Solutions? 

Our Savings Solutions are aimed at 

preserving your money, providing you 

with liquidity and giving you superior 

tax-efficient returns compared to bank 

accounts and FDs. 

Who can benefit from Saving Solutions? 

This is an ideal solution for investors who 

have low - medium propensity for risk and 

high liquidity. These can be ideal for first time 

investors in mutual funds. 

Regular Income Solutions 

What are Regular Income Solutions? 

Our Regular Income Solutions aim 

to preserve your money and provide 

regular income. 

Who can benefit from Regular Income 

Solutions? 

This is an ideal solutions for investors who 

are interested in alternative modes of regular 

income, either in present of after retirement 

stage, and have low propensity for risk. 

(Regular income is not assured & is subject to 

availability of distributable surplus.) 

Wealth Creation Solutions 

What are Wealth Creation Solutions? 

Our Wealth Creation Solutions aim to 

grow your money through equity/gold 

investments and are available in a range 

of conservative to aggressive options. 

Who can benefit from Wealth Creation 

Solutions? 

These solutions can be ideal for investors 

who are planning for future expenses, like 

higher education of children, marriage, buying 

a home etc.These solutions are available 

in the range of aggressive to conservative 

options to suit the needs of the investor. 

Tax Savings Solutions 

What are Tax Savings Solutions? 

Our Tax Savings Solutions help to 

reduce your tax burden and at the same 

time, aim to grow your money through 

equity investments. 

Who can benefit from Tax Savings 

Solutions? 

Tax saving is important, especially when 

investors can save up to ` 30,900 in taxes! 

Section 80C of the Income Tax Act, 1961 

provides options to save tax by reducing the 

taxable income by up to ` 1 lakh. 

But, wealth creation is also important. Isn’t it? 

That’s why this solution is ideal for investors 

who would like to create wealth along with 

tax saving. 

Tax savings of ` 30,900 is calculated assuming qualifying amount of 

deduction is ` 1 lakh & investor falls in the top income tax slab of 30% & 

includes applicable cess. Investors are advised to consult their tax advisor 

in view of individual nature of tax benefits. 

Further, Tax deduction(s) available u/s 80C of the Income Tax Act, 1961 is 

subject to conditions specified therein. Investors are requested to note that 

fiscal laws may change from time to time and there can be no guarantee 

that the current tax position may continue in the future. 

The Financial Solution(s) stated above is ONLY for highlighting the many advantages perceived from investments in Mutual Funds but does not in any manner, 

indicate or imply, either the quality of any particular Scheme or guarantee any specific performance/returns. 

03

Savings Solutions 

What are Saving Solutions? 

Our Savings Solutions are aimed at 

preserving your money, providing you 

with liquidity and giving you superior 

tax-efficient returns compared to bank 

accounts and FDs. 

Who can benefit from Saving 

Solutions? 

This is an ideal solution for investors 

who have low - medium propensity for 

risk and high liquidity. These can be 

ideal for first time investors in mutual 

funds. 

Benefits of Savings Solutions: 

Make Inflation work in your favour: Inflation affects your returns from any investment including mutual funds. But, in case of savings 

solutions, you can use it to your advantage - through indexation - which can help you reduce the amount on which you have to pay tax. You can 

benefit from indexation, if investing for more than 1 year. Please consult your tax advisor on how to take advantage of indexation. 

Aim to preserve your money: These schemes generally invest in instruments like bonds of reputed Indian companies and securities (bonds) 

issued by the Government of India which are considered relatively safe. 

Aim to provide Liquidity: If you need to withdraw your money, all you have to do is submit a redemption slip and your money is normally 

credited to your bank account within one working day. You may also opt for an online redemption facility offered by many fund houses for added 

convenience. 

Tax-efficient returns: You can earn returns in the form of monthly / quarterly dividends etc. which are completely tax-free in your hands. A 

dividend distribution tax of 13.519% is applicable and is deducted by the fund house. 

There are various savings solutions available depending on the time period that you would like to invest for: a. 1 day to 3 months b. 3 to 6 

months c. 6 months to 1 year d. 1 year + 

Investors are advised to consult their tax advisor in view of individual nature of tax benefits. 

The Financial Solution (Savings Solution) stated above is ONLY for highlighting the many advantages perceived from investments in Mutual Funds but does not in any 

manner, indicate or imply, either the quality of any particular Scheme or guarantee any specific performance/returns. 

04

Birla Sun Life Cash Plus 

What is it? 

A fund that aims to provide the convenience 

of a savings account with the opportunity 

to earn higher post-tax returns. (Investors 

are advised to consult their tax advisor in 

view of individual nature of tax benefits.) 

SAVINGS SOLUTIONS 

Conservative Returns Low Risk 1 day + High Liquidity 

Fund Details 

Fund Manager: Mr. Kaustubh Gupta & 

Ms. Sunaina Da Cunha 

Managing Fund Since: July 15, 2011 

Total Experience: 5 years & 7 years 

Date of inception: June 16, 1997 

Nature of the scheme: An Open-ended Liquid 

Scheme 

NAV of Plans / Options (`)^ 

Retail Plan 

Growth: 302.4945 

Dividend: 163.6940 

Institutional Plan 

Growth: 309.6756 


Weekly Dividend: 108.1397 

Regular Plan $ 

Growth: 185.2987 

Daily Dividend: 100.1950 


Direct Plan $ 

Growth: 185.3065 



^The Face Value per unit of all the plans/ options 

under Birla Sun Life Cash Plus has been changed 

from `.10/- to `.100/- effective from October 07, 

2011 

Benchmark: 

Load Structure (as % of NAV) 

Entry Load: 

Nil 

Exit Load: 

Nil 

CRISIL Liquid Fund 

Index 

Other Parameter 

Modified Duration : 0.09 years 

Yield to Maturity: 8.52% 

Standard Deviation 

Retail Plan: 0.56% 

Institutional Plan: 0.56% 

Regular Plan: 0.53% 

29.81% 

Rating Profile of Portfolio 

AAA 

Date of Inception: June 16, 1997 

Since inception till 

December 31, 2012 (CAGR) 

December 30, 2011 to 

December 31, 2012 (Absolute) 





Cash & Current Assets 

NAV Per 

Unit. * 

(`) 

70.19% 

Birla Sun 

Life Cash 

Plus (%) 

CRISIL 

Liquid 

Fund Index 

# (%) 

CRISIL 1 

Year T-Bill 

Index ## 

(%) 

As on January 31, 2013 

Investment Performance - Retail Plan - Growth NAV as on December 31, 2012: ` 300.4877 

Value of Standard Investment of ` 

10000 in 



Plus (`) 

CRISIL 

Liquid 


# (`) 

CRISIL 1 

Year T-Bill 

Index ## (`) 

100.0000 7.32 N/A N/A 30049 N/A N/A 

275.6025 9.03 8.54 8.11 10903 10854 10811 

254.2290 8.41 8.15 6.42 10841 10815 10642 

242.8390 4.69 5.12 2.81 10469 10512 10281 

# Scheme Benchmark, ## Additional Benchmark, * As on start of period considered above. 

Past performance may or may not be sustained in future. Returns for dividend option would assume reinvestment of dividends 

declared, net of dividend distribution tax, if any, at the then prevailing NAV. Load and Taxes are not considered for computation of returns. When 

scheme/additional benchmark returns are not available, they have not been shown. 

Total Schemes Co-Managed by Fund Managers is 4. Total Schemes managed by Mr. Kaustubh Gupta is 71. Total Schemes managed by Ms. 

Sunaina Da Cunha is 5. Refer annexure on page no. 52 to know more on performance of schemes managed by Fund Managers. 

Note: 

$ 

These Plan/Options continue for fresh subscriptions under the scheme. ‘Direct Plan’ is only for investors who purchase / 

Standard Deviation is calculated on annualised basis subscribe Units in a Scheme directly with the Mutual Fund and is not available for investors who route their investments through 

using 1 year history of monthly returns, source: MFI a Distributor. For further details, Investors are advised to refer to Addendum no. 44/2012 dated December 27, 2012 available 

Explorer. 

on our website www.birlasunlife.com 

Top Ten Portfolio Holdings 

Issuer % to net Assets Rating Issuer % to net Assets Rating 

Housing Development Finance Corporation Ltd. 13.45% [ICRA] A1+ IndusInd Bank Ltd. 2.19% CRISIL A1+ 

Punjab National Bank 7.28% CARE A1+ Indian Oil Corporation Ltd. 2.09% [ICRA] A1+ 

Canara Bank 5.27% CRISIL A1+ L&T Finance Ltd. 1.88% CARE A1+ 

Sterlite Energy Ltd. 3.65% CRISIL A1+ State Bank of Patiala 1.72% [ICRA] A1+ 

Axis Bank Ltd. 2.56% CRISIL A1+ Kotak Mahindra Bank Ltd. 1.58% CRISIL A1+ 

05

Birla Sun Life Cash Manager 

What is it? 


of a savings account with the opportunity 









Date of inception: 

Retail Plan: May 14, 1998 

Institutional Plan: September 27, 2004 

Nature of the scheme: An Open-ended Income 

Scheme 


24.11% 

1.96% 

73.94% 

AAA Cash & Current Assets AA 






Growth: 279.2450 




Growth: 194.2503 



Direct Plan $ 

Growth: 279.4830 




under Birla Sun Life Cash Manager has been 

changed from `.10/- to `.100/- effective from 

October 07, 2011 

Benchmark: 

CRISIL Short Term Bond 


Load Structure (as % of NAV) (Incl. for SIP) 

Entry Load: 

Nil 

Exit Load: 

Nil 

Investment Performance - Regular Plan - Growth NAV as on December 31, 2012: ` 277.3418 

Date of Inception: May 14, 1998 









NAV Per 

Unit. * 

(`) 



Manager (%) 

CRISIL 

Short Term 

Bond Fund 

Index # 

(%) 

CRISIL 1 

Year T-Bill 

Index ## 

(%) 


10000 in 



Manager 

(`) 

CRISIL 

Short Term 


Index # (`) 

CRISIL 1 

Year 

T-Bill Index 

## (`) 

100.0000 7.21 N/A N/A 27734 N/A N/A 

254.1938 9.11 9.15 8.11 10911 10915 10811 

233.9360 8.66 7.84 6.42 10866 10784 10642 

222.4970 5.14 4.70 2.81 10514 10470 10281 








Modified Duration: 0.13 years 


Standard Deviation: 



Note: 

Standard Deviation is calculated on annualised basis $ 


using 1 year history of monthly returns, source: MFI subscribe Units in a Scheme directly with the Mutual Fund and is not available for investors who route their investments through 

Explorer. 

a Distributor. For further details, Investors are advised to refer to Addendum no. 44/2012 dated December 27, 2012 available 




Housing Development Finance Corporation Ltd. 10.29% [ICRA] A1+ 

Standard Chartered Investments 

And Loans (India) Ltd. 

3.68% CRISIL A1+ 

Canara Bank 4.88% CRISIL A1+ Indiabulls Financial Services Ltd. 3.08% CRISIL A1+ 

State Bank Of Patiala 4.58% [ICRA] A1+ L&T Fincorp Ltd. 3.06% CARE A1+ 

Bank of India 4.57% CRISIL A1+ Ratnakar Bank 3.04% [ICRA] A1+ 

Steel Authority of India Ltd. 3.96% FITCH A1+ Tata Teleservices Ltd. 3.04% CARE A1+ 

06

Birla Sun Life Savings Fund 

What is it? 


of a savings account with the opportunity to 

earn higher post-tax returns. (Investors are 

advised to consult their tax advisor in view of 

individual nature of tax benefits.) 




Fund Manager: Mr. Kaustubh Gupta 


Total Experience: 5 years 

Date of inception 

Retail Plan: November 27, 2001 

Institutional Plan: April 16, 2003 

Nature of the scheme: An Open-ended Short 

Term Income Scheme 


Retail Plan 

Growth: 214.2100 




Growth: 220.7499 



Direct Plan $ 

Growth: 220.7681 




under Birla Sun Life Savings Fund has been 

changed from `.10/- to `.100/- effective from 

October 07, 2011 

Benchmark: 

CRISIL Short Term 

Bond Fund Index 


Entry Load: 

Nil 

Exit Load: 

Nil 

22.92% 


10.57% 

Date of Inception: Nov 27, 2001 









NAV Per 

Unit. * 

(`) 

66.51% 

AAA Cash & Current Assets AA 


Life Savings 

Fund (%) 

CRISIL 

Short Term 


Index # 

(%) 

CRISIL 1 

Year T-Bill 

Index ## 

(%) 




10000 in 

Birla 

Sun Life 

Savings 

Fund (`) 

CRISIL 

Short Term 


Index # (`) 

CRISIL 1 

Year T-Bill 

Index ## (`) 

100.0000 7.04 N/A N/A 21259 N/A N/A 

194.1840 9.48 9.15 8.11 10948 10915 10811 

178.2830 8.92 7.84 6.42 10892 10784 10642 

169.3980 5.25 4.70 2.81 10525 10470 10281 





Total Schemes managed by Mr. Kaustubh Gupta is 71. Refer annexure on page no. 52 to know more on performance of schemes managed by 

Fund Manager. 





Retail Plan: 0.55% 


Note: 

$ 


Standard Deviation is calculated on annualised basis 

subscribe Units in a Scheme directly with the Mutual Fund and is not available for investors who route their investments through 

using 1 year history of monthly returns, source: MFI 


Explorer. 




Housing Development Finance Corporation Ltd. 8.82% [ICRA] A1+ Kotak Mahindra Bank Ltd. 4.04% CRISIL A1+ 

Shriram Transport Finance Company Ltd. 4.76% CRISIL AA Bharat Aluminium Company Ltd. 3.86% CRISIL A1+ 

ICICI Bank Ltd. 4.74% [ICRA] A1+ IL&FS Financial Services Ltd. 3.44% FITCH A1+ 

Housing Development Finance Corporation Ltd. 4.71% CRISIL AAA Andhra Bank 3.09% CARE A1+ 

Axis Bank Ltd. 4.16% CRISIL A1+ Indian Oil Corporation Ltd. 2.93% [ICRA] A1+ 

07

Birla Sun Life Ultra Short Term Fund 

What is it? 


of parking your savings with an opportunity 



view of individual nature of tax benefits) 


Conservative Returns Low-Medium Risk 1 month + High Liquidity 



Mr. Lokesh Mallya 

Managing Fund Since: September 29, 2009 


Date of inception: April 19, 2002 

Nature of the scheme: An Open-ended Short 

Term Income Scheme 


Retail Plan 

Growth: 208.5888 


Fortnightly Dividend: 103.8308 


Growth: 138.4539 




Direct Plan $ 

Growth: 138.4652 





under Birla Sun Life Ultra Short Term Fund has 

been changed from `.10/- to `.100/- effective 

from October 07, 2011 

Benchmark: 

CRISIL Short Term 



Entry Load : 

Nil 

Exit Load : 

Nil 


32.93% 

AAA 

Date of Inception: April 19, 2002 










NAV Per 

Unit. * 

(`) 

67.07% 


Life Ultra 

Short Term 


CRISIL 

Short Term 


Index # 

(%) 

CRISIL 1 

Year T-Bill 

Index ## 

(%) 




10000 in 


Life Ultra 

Short Term 


CRISIL 

Short Term 


Index # (`) 

CRISIL 1 

Year 

T-Bill Index 

## (`) 

100.0000 7.03 6.57 5.41 20706 19759 17581 

189.0928 9.50 9.15 8.11 10950 10915 10811 

173.5050 8.98 7.84 6.42 10898 10784 10642 

164.5850 5.42 4.70 2.81 10542 10470 10281 



declared, net of dividend distribution tax, if any, at the then prevailing NAV. Load and Taxes are not considered for computation of returns. 

Total Schemes Co-Managed by Fund Managers is 1. Total Schemes managed by Mr. Kaustubh Gupta is 71. Total Schemes managed by Mr. 

Lokesh Mallya is 2. Refer annexure on page no. 52 to know more on performance of schemes managed by Fund Managers. 




Standard Deviation: 0.52% 

Note: 




Explorer. 





Vijaya Bank 13.77% CARE A1+ ICICI Bank Ltd. 3.49% CRISIL AAA 

Housing Development Finance Corporation Ltd. 12.49% [ICRA] A1+ State Bank Of Patiala 3.03% [ICRA] A1+ 

Axis Bank Ltd. 6.59% CRISIL A1+ IndusInd Bank Ltd. 3.02% CRISIL A1+ 

Ratnakar Bank 6.03% [ICRA] A1+ Indian Bank 3.01% FITCH A1+ 

IDBI Bank Ltd. 6.00% CRISIL A1+ Punjab National Bank 3.00% CARE A1+ 

08

Birla Sun Life Dynamic Bond Fund 

What is it? 

An income solution that aims to generate optimal 

returns through active management by capturing 

positive price and credit spread movements. 


Conservative Returns Low-Medium Risk 9 month + High Liquidity 


Fund Manager: Mr. Maneesh Dangi 



Date of inception: September 27, 2004 


Scheme 

NAV of Plans / Options (`) 

Regular Plan 

Growth: 19.5868 

Monthly Dividend: 10.5324 

Quarterly Dividend: 11.5105 

Direct Plan $ 

Growth: 19.5932 



Benchmark: 

CRISIL Composite Bond 



Entry Load: 

Nil 

Exit Load**: 





For redemption / switch-out 

of units within 180 days 

from the date of allotment: 

0.50% of applicable NAV. 


of units after 180 days from 

the date of allotment: Nil. 

**Exit Load is NIL for units 

issued in Bonus & Dividend 

Reinvestment. 


8.06% 

20.92% 

6.35% 2.32% 

AAA 


Below AA 

Date of Inception: Sept 27, 2004 









AA 

Sovereign 

NAV Per 

Unit. * 

(`) 

62.35% 


Life Dynamic 


(%) 

CRISIL 

Composite 


Index # 

(%) 

CRISIL 10 

Year Gilt 

Index 

## (%) 



Value of Standard Investment of ` 10000 in 



Dynamic 


(`) 

CRISIL 

Composite 


Index # (`) 

CRISIL 10 

Year Gilt 

Index 

## (`) 

10.0000 8.35 6.04 5.45 19397 16235 15502 

17.5496 10.53 9.38 10.67 11053 10938 11067 

16.0653 9.24 6.90 1.91 10924 10690 10191 

15.2199 5.55 4.96 3.11 10555 10496 10311 




Total Schemes managed by Mr. Maneesh Dangi is 2. Refer annexure on page no. 52 to know more on performance of schemes managed by 


Note: 


using 1 year history of monthly returns, source: MFI $ 

‘Direct Plan’ is only for investors who purchase /subscribe Units in a Scheme directly with the Mutual Fund and is not available 

Explorer. 

for investors who route their investments through a Distributor. For further details, Investors are advised to refer to Addendum 

no. 44/2012 dated December 27, 2012 available on our website www.birlasunlife.com 



Power Finance Corporation Ltd. 7.78% 

[ICRA] AAA, 

CRISIL AAA 

Oriental Bank of Commerce 3.58% CRISIL A1+ 

National Bank for Agriculture & Rural 

Development 

6.86% CRISIL AAA Indian Oil Corporation Ltd. 2.86% [ICRA] A1+ 

Housing Development Finance Corporation Ltd. 5.59% CRISIL AAA Shriram Transport Finance Company Ltd. 2.84% CRISIL AA 

LIC Housing Finance Ltd. 4.15% CRISIL AAA IDBI Bank Ltd. 2.78% CRISIL AA+ 

Andhra Bank 4.14% CARE A1+ Power Finance Corporation Ltd. 2.65% CRISIL A1+ 

09

Birla Sun Life Medium Term Plan 

What is it? 

An income scheme that aims to optimize 

returns by identifying mispriced credit 

opportunities in medium term securities in the 

market and then selectively investing in them. 


Conservative Returns Low-Medium Risk 2 yrs+ High Liquidity 




Fund Manager: Rohit Murarka 

Managing Fund Since: January 02, 2013 


Date of inception: March 25, 2009 


Scheme 

22.16% 

12.72% 

36.04% 



Growth: 13.5623 


Half Yearly Dividend: 10.6824 



Growth: 13.1665 



Direct Plan $ 

Growth: 13.5656 




Benchmark: 

CRISIL Short Term Bond 



Entry Load: 

Nil 

Exit Load**: 





For redemption / switchout 

of units after 365 days 

but before 730 days from 

the date of allotment: 1.00% 

of applicable NAV. For 

redemption / switch-out of 

units after 730 days from the 

date of allotment: Nil. 

**Exit Load is NIL for 

units issued in Bonus & 

Dividend Reinvestment. 






Date of Inception: Mar 25, 2009 



29.08% 

AAA AA Below AA Cash & Current Assets 








NAV Per 

Unit. * 

(`) 


Life Medium 

Term Plan 

(%) 

CRISIL 

Short Term 


Index # 

(%) 

CRISIL 10 

Year Gilt 

Index ## 

(%) 


10000 in 



Medium 

Term Plan 

(`) 

CRISIL 

Short Term 


Index # (`) 

CRISIL 10 

Year Gilt 

Index ## (`) 

10.0000 8.17 6.98 4.60 13449 12898 11848 

12.1065 11.09 9.15 10.67 11109 10915 11067 

11.0697 9.37 7.84 1.91 10937 10784 10191 

10.4505 5.93 4.70 3.11 10593 10470 10311 




Total Schemes managed by Mr. Maneesh Dangi is 2. Refer annexure on page no. 52 to know more on performance of schemes managed by 


Note: 



Explorer. 

Top Portfolio Holdings 

$ 






Andhra Bank 13.27% CARE A1+ 

Floreat Investments Ltd(backed by 

guarantee of Shapoorji Pallonji & Co) 

5.84% [ICRA] AA+ 

TRIL Infopark Ltd. 10.51% BWR A(SO) Tata Motors Finance Ltd. 5.56% CRISIL AA- 

Shapoorji Pallonji Infra Capital Co. Ltd 10.16% [ICRA] A1+ Piramal Enterprises Ltd. 4.54% [ICRA] A1+ 

Jay Properties Ltd. 9.18% BWR A-(SO) Power Finance Corporation Ltd. 4.53% CRISIL A1+ 

RHC Holding Private Ltd. 8.58% BWR A1(SO) Shriram Transport Finance Company Ltd. 4.09% CRISIL AA 

10

Birla Sun Life Income Plus 

What is it? 

A fund that invests in a combination of 

bonds and Government securities of 

varying maturities from time to time with 

an aim to optimize returns. 


Moderate Returns Medium Risk 1 yr + High Liquidity 


Fund Manager: Mr. Prasad Dhonde 

Managing Fund Since: January 11, 2010 


Date of inception: October 21, 1995 


Scheme 

41.56% 


2.14% 0.89% 



Regular Plan 

Growth: 52.5955 


Direct Plan $ 

Growth: 52.6081 


Benchmark: 

CRISIL Composite Bond 



Entry Load: 

Nil 

Exit Load: 












Date of Inception: Oct 21, 1995 









NAV Per 

Unit. * 

(`) 

55.40% 

Sovereign AAA AA Cash & Current Assets 

Investment Performance - Growth NAV as on December 31, 2012: ` 51.6035 


Life Income 

Plus (%) 

CRISIL 

Composite 


Index # 

(%) 

CRISIL 10 

Year Gilt 

Index 

## (%) 


10000 in 



Income 

Plus (`) 

CRISIL 

Composite 


Index # (`) 

CRISIL 10 

Year Gilt 

Index 

## (`) 

10.0000 10.01 N/A N/A 51604 N/A N/A 

46.6158 10.70 9.38 10.67 11070 10938 11067 

43.0259 8.34 6.90 1.91 10834 10690 10191 

41.6981 3.18 4.96 3.11 10318 10496 10311 




additional benchmark returns are not available, they have not been shown. 

Total Schemes managed by Mr. Prasad Dhonde is 16. Refer annexure on page no. 52 to know more on performance of schemes managed by 


Note: 



Explorer. 


$ 





Government Of India 42.68% Sovereign 8.60% Kerala SDL 23-Jan-2023 4.61% Sovereign 

Indian Oil Corporation Ltd. 12.75% [ICRA] A1+ Corporation Bank 4.56% CRISIL A1+ 

8.59% Andhra Pradesh SDL 23-Jan-2023 8.11% Sovereign ING Vysya Bank Ltd. 3.69% CRISIL A1+ 

Bank of India 7.30% CRISIL A1+ Oriental Bank of Commerce 2.75% CRISIL A1+ 

Bharat Petroleum Corporation Ltd. 5.47% CRISIL A1+ Tata Sons Ltd. 1.91% CRISIL AAA 

11

Birla Sun Life Short Term Fund 

(erstwhile Birla Sun Life Income Fund. Name changed w.e.f February 01, 2012) 

What is it? 

A moderate income scheme that invests 

in diversified portfolio of debt and money 

market instruments of short to medium 

term maturity which can offer superior 

levels of yields at relatively lower levels 

of risk. 







Scheme 


5.41% 

8.63% 

12.11% 


Moderate Returns Medium Risk 6 month + High Liquidity 



Regular Plan 

Growth: 42.8181 


Direct Plan $ 

Growth: 42.8216 


Benchmark: 

CRISIL Composite 



Entry Load: 

Nil 

Exit Load**: 

For Redemption / Switchout 

of units within 30 

days from the date of 

allotment: 0.50% of 

applicable NAV. 








Date of Inception: March 3, 1997 









NAV Per 

Unit. * 

(`) 

73.85% 

AAA Sovereign Cash & Current Assets AA 



Life Short 

Term Fund 

(%) 

CRISIL 

Composite 


Index # 

(%) 

CRISIL 10 

Year Gilt 

Index 

## (%) 


10000 in 


Life Short 

Term Fund 

(`) 

CRISIL 

Composite 


Index # (`) 

CRISIL 10 

Year Gilt 

Index ## (`) 

10.0000 9.56 N/A N/A 42470 N/A N/A 

38.4163 10.55 9.38 10.67 11055 10938 11067 

35.0751 9.53 6.90 1.91 10953 10690 10191 

33.7813 3.83 4.96 3.11 10383 10496 10311 





Total Schemes managed by Mr. Prasad Dhonde is 16. Refer annexure on page no. 52 to know more on performance of schemes managed by 


Note: 

Standard Deviation is calculated on Annualised basis 

using 3 year history of monthly returns, source: MFI $ 


Explorer. 





National Housing Bank 10.52% 

FITCH AAA, 

CRISIL AAA 

LIC Housing Finance Ltd. 6.32% CRISIL AAA 

8.58% KarSDL 25-Oct-2016 7.89% Sovereign Power Finance Corporation Ltd. 6.30% CRISIL A1+ 

Housing Development Finance Corporation Ltd. 7.40% 

[ICRA] AAA, 

CRISIL AAA 

Indian Oil Corporation Ltd. 6.26% [ICRA] A1+ 

IDFC Ltd. 6.78% [ICRA] AAA National Bank for Agriculture & Rural Development 4.46% CRISIL AAA 

Power Finance Corporation Ltd. 6.70% 

[ICRA] AAA, 

CRISIL AAA 

Government Of India 4.21% Sovereign 

12

Birla Sun Life Floating Rate Fund - Long Term Plan 

What is it? 

A fund that aims to generate income by 

investing substantially into floating rate 

debt/money market instruments. 


Conservative Returns Low Risk 1 month + High Liquidity 








Scheme 


Retail Plan 

Growth: 199.3438 



Growth: 137.5025 



Direct Plan $ 

Growth: 137.5137 




under Birla Sun Life Floating Rate Fund – Long 

Term Plan has been changed from ` 10/- to 

` 100/- effective from October 07, 2011 

Benchmark: 


Index 


Entry Load: 

Nil 

Exit Load**: 

Nil 

** Exit Load is NIL for 


Dividend Reinvestment 


24.53% 

AAA 











NAV Per 

Unit. * 

(`) 

75.47% 


Life Floating 

Rate Fund - 

Long Term 

Plan (%) 

CRISIL 

Liquid 


# (%) 

CRISIL 1 

Year T - Bill 

Index ## 

(%) 




10000 in 



Floating 

Rate Fund 

- Long 

Term Plan 

(`) 

CRISIL 

Liquid 


# (`) 

CRISIL 1 

Year T - Bill 

Index 

## (`) 

100.0000 7.38 6.22 5.28 19787 17819 16370 

180.0156 9.92 8.54 8.11 10992 10854 10811 

164.9100 9.16 8.15 6.42 10916 10815 10642 

155.3000 6.19 5.12 2.81 10619 10512 10281 










Note: 

$ 





Explorer. 




Oriental Bank of Commerce 8.69% CRISIL A1+ Shapoorji Pallonji & Company Ltd. 4.63% [ICRA] A1+ 

Standard Chartered Investments And Loans 

(India) Ltd. 

7.74% CRISIL A1+ Allahabad Bank 4.36% 

[ICRA] A1+, 

CRISIL A1+ 

Axis Bank Ltd. 7.49% CRISIL A1+ Piramal Enterprises Ltd. 3.96% [ICRA] A1+ 

LIC Housing Finance Ltd. 5.98% CRISIL AAA Andhra Bank 3.93% CARE A1+ 

Sesa Goa Ltd. 5.60% CRISIL A1+ 

Housing Development Finance 

Corporation Ltd. 

3.88% [ICRA] A1+ 

13

Birla Sun Life Floating Rate Fund - Short Term Plan 

What is it? 

A fund that provides the convenience of 

parking your savings with an opportunity 





Conservative Returns Low-Medium Risk 1 day + High Liquidity 








Scheme 


Retail Plan 

Growth: 190.0087 




Growth: 153.6842 



Direct Plan $ 

Growth: 153.6908 




under Birla Sun Life Floating Rate Fund – Short 

Term Plan has been changed from `.10/- to 

`.100/- effective from October 07, 2011 

Benchmark: 

CRISIL Liquid Fund Index 


Entry Load: 

Nil 

Exit Load**: 

Nil 





25.56% 

AAA 











NAV Per 

Unit. * 

(`) 

74.44% 


Life Floating 

Rate Fund - 

Short Term 

Plan (%) 

CRISIL 

Liquid 


# (%) 

CRISIL 1 

Year T - Bill 

Index 

## (%) 




10000 in 



Floating 

Rate Fund 

- Short 

Term Plan 

(`) 

CRISIL 

Liquid 


# (`) 

CRISIL 1 

Year T - Bill 

Index ## (`) 

100.0000 6.85 6.22 5.28 18869 17819 16370 

172.3020 9.51 8.54 8.11 10951 10854 10811 

158.1740 8.93 8.15 6.42 10893 10815 10642 

149.7270 5.64 5.12 2.81 10564 10512 10281 










Note: 




Explorer. 





Sterlite Energy Ltd. 12.47% CRISIL A1+ 

Housing Development Finance 

Corporation Ltd. 

3.89% [ICRA] A1+ 

Bank of Maharashtra 9.34% CRISIL A1+ State Bank Of Patiala 3.34% [ICRA] A1+ 

Indiabulls Financial Services Ltd. 8.90% CRISIL A1+ JM Finanical Products Ltd. 3.25% CRISIL A1+ 

Punjab National Bank 8.37% CARE A1+ ECL Finance Ltd. 3.24% CRISIL A1+ 

Axis Bank Ltd. 4.82% CRISIL A1+ Edelweiss Financial Services Ltd. 3.24% CRISIL A1+ 

14

Birla Sun Life Gilt Plus 

What is it? 

A fund that aims to generate income and 

capital appreciation by investing exclusively 

in Government Securities. 








Nature of the scheme: 


Liquid Plan: 

Regular Plan 

Growth: 25.6657 


Annual Dividend Option: 10.8596 

Direct Plan $ 

Growth: 25.6709 

Annual Dividend: 10.8619 


PF Plan: 

Regular Plan 

Growth: 30.5977 


Direct Plan $ 

Growth: 30.6077 


Regular Plan: 

Regular Plan 

Growth: 36.6419 


Direct Plan $ 

Growth: 36.6494 


Benchmark: 

Liquid Plan: 

PF Plan: 

Regular Plan: 

An Open-ended Government 

Securities Scheme 

I-Sec SI-BEX 

I-Sec LI-BEX 

I-Sec LI-BEX 

Load Structure (as % of NAV) (Incl .for SIP) 

Liquid Plan, Regular Plan & PF Plan - Quarterly / 

Annual Dividend 

Entry Load: 

Nil 

Exit Load: 

Nil 

PF Plan - Growth 

Entry Load: 

Exit Load**: 


Modified Duration: 

Liquid Plan: 

PF Plan: 

Nil 

1% if redeemed / switched 

out within 365 days from the 

date of allotment. 



Reinvestment. 

0.01 years 

4.69 years 

5.83 years 

Regular Plan: 

Yield to Maturity: 

Liquid Plan: 7.96% 

PF Plan: 7.94% 



Liquid Plan: 0.95% 

PF Plan: 2.47% 


Note: 

Standard Deviation is calculated on annualised basis using 3 

year history of monthly returns, source: MFI Explorer. 

Top Portfolio Holdings - Regular Plan 

40.19% 

Issuer % to net Assets Rating 

8.15% GOI - 11-Jun-2022 87.71% Sovereign 

Cash & Current Assets 12.29% 



Liquid Plan PF Plan Regular Plan 

Sovereign 

Investment Performance - Liquid Plan - Growth NAV as on December 31, 2012: ` 25.4982 



















Top Portfolio Holdings - Liquid Plan 


Top Portfolio Holdings - PF Plan 


182 D TBills 29Mar13 59.81% Sovereign 8.20% GOI - 24-Sep-2025 48.59% Sovereign 

Cash & Current Assets 40.19% 364 Day T-Bill 22-February-13 44.48% Sovereign 


NAV Per 

Unit. * 

(`) 


Life Gilt Plus- 

Liquid Plan 

(%) 

I-Sec SI-BEX 

# (%) 

CRISIL 1 

Year 

T-Bill Index 

## (%) 

Value of Standard Investment of ` 10000 

in 

Birla Sun I-Sec SI-BEX CRISIL 1 Year 

Life Gilt 

Plus - Liquid 

Plan (`) 

# (`) T-Bill Index 

## (`) 

10.0000 7.33 N/A N/A 25498 N/A N/A 

23.6093 8.00 9.05 8.11 10800 10905 10811 

22.0604 7.02 7.61 6.42 10702 10761 10642 

20.7002 6.57 4.85 2.81 10657 10485 10281 

Investment Performance - PF Plan - Growth NAV as on December 31, 2012: ` 29.9748 










59.81% 


NAV Per 

Unit. * 

(`) 

Birla Sun Life 

Gilt Plus- PF 

Plan (%) 

I-Sec LI-BEX 

# (%) 

CRISIL 10 

Year 

Gilt Index 

## (%) 


in 



Plus- PF 

Plan (`) 

I-Sec LI-BEX 

# (`) 

CRISIL 10 

Year 

Gilt Index 

## (`) 

10.0000 8.65 N/A N/A 29975 N/A N/A 

26.9191 11.35 12.85 10.67 11135 11285 11067 

24.5132 9.81 6.08 1.91 10981 10608 10191 

23.9123 2.51 6.31 3.11 10251 10631 10311 

NAV Per 

Unit. * 

(`) 

Sovereign 


Gilt Plus - 

Regular Plan 

(%) 

6.93% 

93.07% 



I-Sec LI-BEX 

# (%) 

CRISIL 10 

Year 

Gilt Index 

## (%) 

12.29% 

Sovereign 


in 



Plus- 

Regular 

Plan (`) 

I-Sec LI-BEX 

# (`) 

CRISIL 10 

Year 

Gilt Index 

## (`) 

10.0000 10.19 N/A N/A 36100 N/A N/A 

33.3667 8.19 12.85 10.67 10819 11285 11067 

31.5649 5.71 6.08 1.91 10571 10608 10191 

30.6170 3.10 6.31 3.11 10310 10631 10311 

87.71% 



Past performance may or may not be sustained in future. Returns for dividend option would assume reinvestment of dividends declared, net of dividend 

distribution tax, if any, at the then prevailing NAV. Load and Taxes are not considered for computation of returns. When scheme/additional benchmark returns 

are not available, they have not been shown. 

Total Schemes managed by Mr. Prasad Dhonde is 16. Refer annexure on page no. 52 to know more on performance of schemes managed by Fund Manager. 

$ 

‘Direct Plan’ is only for investors who purchase /subscribe Units in a Scheme directly with the Mutual Fund 

and is not available for investors who route their investments through a Distributor. For further details, Investors 

are advised to refer to Addendum no. 44/2012 dated December 27, 2012 available on our website www. 

birlasunlife.com 

15

Birla Sun Life Government Securities Fund 

What is it? 

A fund that aims to generate current income 

consistent with the portfolio invested 

exclusively in Government Securities. 





Managing Fund Since: October 03, 2012 



Nature of the scheme: An Open-ended Gilt 

Scheme 


Long Term Plan 

Short Term Plan 

7.41% 

44.61% 



Long Term Plan: 

Regular Plan 

Growth: 34.0802 


Direct Plan $ 

Growth: 34.0886 


Short Term Plan: 

Regular Plan 

Growth: 21.7190 


Direct Plan $ 

Growth: 21.7224 

Benchmark: 

Long Term Plan: I-Sec LI-BEX 

Short Term Plan: I-Sec SI-BEX 


Entry Load: 

Nil 

Exit Load**: 

Long Term Plan: 1% if redeemed / switched 

out within 365 days from 

the date of allotment. 

Short Term Plan: Nil 



Reinvestment. 


Modified Duration: 

Long Term Plan: 5.31 years 

Short Term Plan: 0.01 years 

Yield to Maturity: 

Long Term Plan: 7.96% 

Short Term Plan: 7.96% 


Long Term Plan: 3.07% 

Short Term Plan: 0.56% 

Sovereign 

Investment Performance - Long Term Plan - Growth NAV as on December 31, 2012: ` 33.3758 



















NAV Per 

Unit. * 

(`) 



Government 

Securities 

Fund - Long 

Term Plan 

(%) 

I-Sec LI- 

BEX 

# (%) 

CRISIL 10 

Year Gilt 

Index 

## (%) 


10000 in 



Government 

Securities 

Fund - Long 

Term Plan 

(`) 

I-Sec LI- 

BEX # (`) 

CRISIL 10 

Year Gilt 

Index ## 

(`) 

10.0000 9.61 N/A N/A 33376 N/A N/A 

30.0114 11.21 12.85 10.67 11121 11285 11067 

28.0593 6.96 6.08 1.91 10696 10608 10191 

25.6642 9.33 6.31 3.11 10933 10631 10311 

NAV Per 

Unit. * 

(`) 

92.59% 




Government 

Securities 

Fund - Short 

Term Plan 

(%) 

I-Sec SI- 

BEX # (%) 


CRISIL 1 

Year T - Bill 

Index ## 

(%) 


10000 in 



Government 

Securities 

Fund - Short 

Term Plan (`) 

55.39% 

Sovereign 

Investment Performance - Short Term Plan - Regular Plan - Growth NAV as on December 31, 2012: ` 21.5870 

I-Sec 

SI-BEX 

# (`) 

CRISIL 1 

Year T - Bill 

Index ## (`) 

10.0000 6.00 N/A N/A 21587 N/A N/A 

20.0783 7.51 9.05 8.11 10751 10905 10811 

18.8711 6.40 7.61 6.42 10640 10761 10642 

17.9456 5.16 4.85 2.81 10516 10485 10281 


Past performance may or may not be sustained in future. Returns for dividend option would assume reinvestment of dividends declared, 

net of dividend distribution tax, if any, at the then prevailing NAV. Load and Taxes are not considered for computation of returns. When scheme/ 

additional benchmark returns are not available, they have not been shown. 

Total Schemes managed by Mr. Prasad Dhonde is 16. Refer annexure on page no. 52 to know more on performance of schemes managed by Fund 

Manager. 

Note: 

$ 


Standard Deviation is calculated on annualised basis for investors who route their investments through a Distributor. For further details, Investors are advised to refer to Addendum 

using 1 year history of monthly returns, source: MFI no. 44/2012 dated December 27, 2012 available on our website www.birlasunlife.com 

Explorer. 

Top Portfolio Holdings - Long Term Plan 

Top Portfolio Holdings - Short Term Plan 


364 Day T-Bill 22-February-13 39.77% Sovereign 182 D TBills 29Mar13 44.61% Sovereign 

8.20% GOI - 24-Sep-2025 25.29% Sovereign Cash & Current Assets 55.39% 

8.33% GOI - 09-Jul-2026 19.75% Sovereign 


8.97% GOI - 05-Dec-2030 6.11% Sovereign 

8.92% TN SDL - 08-Aug-2022 1.16% Sovereign 

8.83% GOI - 12-Dec-2041 0.52% Sovereign 

16

Birla Sun Life Short Term Opportunities Fund 

What is it? 

A scheme that focuses on enhancing 

the portfolio returns by identifying and 

selectively investing in mispriced credit 

opportunities in the market. 


Conservative Returns Low-Medium Risk 1 yr + High Liquidity 


Fund Manager: Mr. Lokesh Mallya & 




Date of inception: May 09, 2003 


Scheme 


12.33% 

21.28% 

34.96% 


NAV of Plans / Options (`)* 


Growth: 18.3542 




Growth: 13.4473 


Direct Plan $ 

Growth: 18.3602 



*the dividend options under the scheme have been 

renamed w.e.f July 02, 2012. Please refer addendum 

no. 28/2012 dated June 29, 2012 for further details. 

Benchmark: 

CRISIL Liquid Fund Index 


Entry Load: 

Nil 

Exit Load**: 





















31.43% 

AAA AA Below AA Cash & Current Assets 


NAV Per 

Unit. * 

(`) 


Short Term 

Opportunities 


CRISIL 

Liquid 


# (%) 

CRISIL 1 

Year T - Bill 

Index ## 

(%) 


in 


Short Term 

Opportunities 


CRISIL 

Liquid 

Fund 

Index 

# (`) 

CRISIL 1 

Year T - Bill 

Index 

## (`) 

10.0000 6.34 6.20 5.26 18195 17882 16409 

16.3699 11.15 8.54 8.11 11115 10854 10811 

14.9560 9.45 8.15 6.42 10945 10815 10642 

14.1077 6.01 5.12 2.81 10601 10512 10281 




Total Schemes Co-Managed by Fund Managers is 1. Total Schemes managed by Mr. Lokesh Mallya is 2. Total Schemes managed by Ms. 


Note: 

$ 


Standard Deviation Is calculated on Annualised basis 



Explorer. 




Andhra Bank 12.94% CARE A1+ TRIL Infopark Ltd. 7.65% BWR A(SO) 

Floreat Investments Ltd.(backed Shapoorji Pallonji 

Infrastructure Capital Company Ltd.) 

10.41% [ICRA] AA+ RHC Holding Private Ltd. 7.60% BWR A1(SO) 

Punjab National Bank 9.42% CARE A1+ Tata Motors Finance Ltd. 5.10% CRISIL AA- 

Shapoorji Pallonji Infrastructure Capital Company Ltd. 8.61% [ICRA] A1+ JSW Techno Projects Management Ltd. 3.69% BWR A 

Jay Properties Ltd. 8.14% BWR A-(SO) Power Finance Corporation Ltd. 3.62% CRISIL A1+ 

17

Regular Income Solutions 

What are Regular Income 

Solutions? 

Our Regular Income Solutions aim 

to preserve your money and provide 

regular income. 

Who can benefit from Regular Income 

Solutions? 

This is an ideal solutions for investors 

who are interested in alternative modes of 

regular income, either in present of after 

retirement stage, and have low propensity 

for risk. 

(Regular income is not assured & is subject to 

availability of distributable surplus.) 

Benefits of Regular Income Solutions: 

They aim to preserve your money & provide regular income: These schemes generally invest in instruments like bonds of reputed Indian 

companies and securities (bonds) issued by the Government of India which are considered relatively safe in order to generate regular income 

for you. 

They aim to fight Inflation: A small part is invested in equity i.e. stocks of Indian companies to help you stay ahead of inflation. 

Tax-efficient Returns: You may opt for a monthly dividend option where, in addition to the growth of your invested amount, a portion of the 

same comes to you as monthly income which is given in the form of dividends. These dividends are completely tax-free in your hands! 

A dividend distribution tax of 13.519% is applicable and is deducted by the fund house. 


Wherever mentioned, Regular Income / Second Income / Monthly Dividend is not assured and is subject to availability of distributable surplus. The Financial Solution (Regular Income Solution) stated 

above is ONLY for highlighting the many advantages perceived from investments in Mutual Funds but does not in any manner, indicate or imply, either the quality of any particular Scheme or 

guarantee any specific performance/returns. 

18

Birla Sun Life Monthly Income 

(An open-ended income scheme. Monthly income is not assured and is subject to availability of 

distributable surplus.) 

What is it? 

A fund that seeks to provide you regular 

income with an opportunity to grow your 

money through fixed income investments 

and a limited exposure to the equity markets. 

REGULAR INCOME 

SOLUTIONS 



Fund Manager: Mr. Satyabrata Mohanty 

& Mr. Kaustubh Gupta 

Managing Fund Since: June 18, 2009 


Date of inception: July 14, 1999 


Scheme 


Regular Plan 

Growth: 42.1790 



Direct Plan $ 

Growth: 42.2040 



Benchmark: 

CRISIL MIP Blended Index 


Entry Load: 

Nil 

Exit Load**: 1.00% if redeemed / 

switched out within 365 


allotment. 



Reinvestment. 




(for Debt Component) 


Sharpe Ratio##: -0.08 

Beta: 0.72 

19.96% 


14.08% 

6.45% 

Date of Inception: July 14, 1999 









NAV Per 

Unit. * 

(`) 

21.70% 

37.81% 

AAA Cash & Current Assets AA Other Sovereign 


Life Monthly 

Income (%) 

CRISIL MIP 

Blended 

Index # 

(%) 

CRISIL 10 

Year Gilt 

Index ## 

(%) 




10000 in 



Monthly 

Income (`) 

CRISIL MIP 

Blended 

Index # (`) 

CRISIL 10 

Year Gilt 

Index 

## (`) 

10.0000 11.20 N/A N/A 41817 N/A N/A 

37.5305 11.42 12.12 10.67 11142 11212 11067 

36.3247 3.32 1.72 1.91 10332 10172 10191 

33.7160 7.74 7.00 3.11 10774 10700 10311 





Performance of scheme may or may not be strictly comparable with that of its additional benchmark in view of hybrid nature of scheme. 

Total Schemes Co-Managed by Fund Managers is 4. Total Schemes managed by Mr. Satyabrata Mohanty is 16. Total Schemes managed by Mr. 

Kaustubh Gupta is 71. Refer annexure on page no. 52 to know more on performance of schemes managed by Fund Managers. 

Note: 

Standard Deviation, Sharpe Ratio & Beta are 

calculated on Annualised basis using 3 year history 

of monthly returns, source: MFI Explorer. 

## Risk-free rate assumed to be 7.94% (91 day T-bill 

yield as on Jan 31, 2013). 

$ 






IDBI Bank Ltd. 19.95% CRISIL AA+ IDFC Ltd. 4.57% [ICRA] AAA 

Power Finance Corporation Ltd. 12.21% CRISIL AAA Tata Sons Ltd. 2.89% CRISIL AAA 

Reliance Utilities & Power Private Ltd. 8.37% CARE AAA LIC Housing Finance Ltd. 2.06% CRISIL AAA 

8.60% Kerala SDL 23-Jan-2023 6.45% Sovereign ICICI Bank Ltd. 1.03% 

Power Grid Corporation of India Ltd. 6.21% CRISIL AAA IndusInd Bank Ltd. 1.02% 

19

Birla Sun Life MIP 



What is it? 






SOLUTIONS 







Date of inception: November 20, 2000 


Scheme 


Regular Plan 

Monthly Growth/ 

Payment: 30.7072 


Direct Plan $ 

Monthly Payment: 30.7230 


Benchmark: 

CRISIL MIP Blended 

Index 







Beta: 0.88 

13.81% 

16.18% 


13.58% 

Date of Inception: Nov 20, 2000 


Entry Load: 

Nil 



switched out within 365 December 31, 2012 (CAGR) 

days from the date of December 30, 2011 to 


allotment. 


**Exit Load is NIL for units December 30, 2011 (Absolute) 

issued in Bonus & Dividend December 31, 2009 to 

Reinvestment. 


NAV Per 

Unit. * 

(`) 

30.15% 

26.29% 

Cash & Current Assets AAA AA Sovereign Other 


Life MIP (%) 

CRISIL MIP 

Blended 

Index # 

(%) 

CRISIL 10 

Year Gilt 

Index ## 

(%) 




10000 in 


Life MIP 

(`) 

CRISIL MIP 

Blended 

Index # (`) 

CRISIL 10 

Year Gilt 

Index 

## (`) 

10.0000 9.59 N/A N/A 30454 N/A N/A 

27.0326 12.66 12.12 10.67 11266 11212 11067 

26.3384 2.64 1.72 1.91 10264 10172 10191 

24.5646 7.22 7.00 3.11 10722 10700 10311 








Note: 






$ 






IDBI Bank Ltd. 16.18% CRISIL AA+ Power Grid Corporation of India Ltd. 3.63% CRISIL AAA 

Power Finance Corporation Ltd. 11.71% CRISIL AAA LIC Housing Finance Ltd. 2.20% CRISIL AAA 

8.60% Kerala SDL 23-Jan-2023 7.28% Sovereign IndusInd Bank Ltd. 1.08% 

Reliance Utilities & Power Private Ltd. 7.28% CARE AAA City Union Bank Ltd. 0.79% 

Government Of India 6.53% Sovereign Small Industries Development Bank of India 0.74% CARE AAA 

20

Birla Sun Life MIP II - Wealth 25 Plan 



What is it? 






SOLUTIONS 









Scheme 


17.11% 

9.82% 

26.93% 

22.77% 

23.37% 



Regular Plan 

Monthly Growth / 



Direct Plan $ 



Benchmark: 


Index 


Entry Load: 

Nil 

Exit Load**: 





Sharpe Ratio##: 0.06 

Beta: 1.36 

1% if redeemed/switched 





Reinvestment. 

Other 

AA 

Sovereign 










AAA 



NAV Per 

Unit. * 

(`) 


Life MIP II - 

Wealth 25 

Plan (%) 

CRISIL MIP 

Blended 

Index # 

(%) 

CRISIL 10 

Year Gilt 

Index ## 

(%) 


10000 in 



II - Wealth 

25 Plan 

(`) 

CRISIL MIP 

Blended 

Index # (`) 

CRISIL 10 

Year Gilt 

Index 

## (`) 

10.0000 8.89 7.57 4.55 20829 18760 14675 

17.8415 16.75 12.12 10.67 11675 11212 11067 

17.9565 -0.64 1.72 1.91 9936 10172 10191 

16.6936 7.57 7.00 3.11 10757 10700 10311 







Note: 




$ 

## Risk-free rate assumed to be 7.94% (91 day T-bill ‘Direct Plan’ is only for investors who purchase /subscribe Units in a Scheme directly with the Mutual Fund and is not available 






Power Finance Corporation Ltd. 15.86% CRISIL AAA Tata Capital Financial Services Ltd. 3.25% CARE AA+ 

IDBI Bank Ltd. 13.63% CRISIL AA+ Reliance Utilities & Power Private Ltd. 1.29% CARE AAA 

Government Of India 9.82% Sovereign The South Indian Bank Ltd. 1.16% 

LIC Housing Finance Ltd. 6.23% CRISIL AAA Axis Bank Ltd. 1.14% 

Yes Bank Ltd. 5.65% [ICRA] AA State Bank of India 1.13% 

21

Birla Sun Life MIP II - Savings 5 Plan 



What is it? 






SOLUTIONS 









Scheme 


8.84% 2.42% 

19.49% 

30.97% 

38.28% 



Regular Plan 

Monthly Growth / 



Direct Plan $ 



AAA 


AA 

Other 

Sovereign 


Benchmark: 


Index 


Entry Load: 

Nil 

Exit Load** : 







Beta: 0.40 

1% if redeemed/switched 





Reinvestment. 










NAV Per 

Unit. * 

(`) 



II - Savings 5 

Plan (%) 

CRISIL MIP 

Blended 

Index # (%) 

CRISIL 10 

Year Gilt 

Index ## 

(%) 


10000 in 


Life MIP II 

- Savings 5 

Plan (`) 

CRISIL MIP 

Blended 

Index # 

(`) 

CRISIL 10 

Year Gilt 

Index 

## (`) 

10.0000 8.79 7.51 4.56 20659 18664 14679 

18.5562 11.33 12.12 10.67 11133 11212 11067 

17.3281 7.09 1.72 1.91 10709 10172 10191 

16.3457 6.01 7.00 3.11 10601 10700 10311 







Note: 




$ 







Power Finance Corporation Ltd. 17.68% CRISIL AAA Sundaram Finance Ltd. 2.15% [ICRA] AA+ 

IDBI Bank Ltd. 17.32% CRISIL AA+ Small Industries Development Bank of India 1.36% CRISIL AAA 

Reliance Utilities & Power Private Ltd. 13.65% CARE AAA Shriram City Union Finance Ltd. 0.59% 

Tata Sons Ltd. 5.11% CRISIL AAA Bajaj Corp Ltd. 0.56% 

Government Of India 2.42% Sovereign City Union Bank Ltd. 0.52% 

22

Wealth Creation Solutions 

What are Wealth Creation 

Solutions? 

Our Wealth Creation Solutions aim 

to grow your money through equity/ 

gold investments and are available in 

a range of conservative to aggressive 

options. 

Who can benefit from Wealth Creation 

Solutions? 

Equity may be considered as an ideal 

option to give attractive long term returns 

and hence may be used for funding longterm 

needs (like child’s education, buying 

a home etc.) 

Benefits of Wealth Creation Solutions: 

Tax Free Returns: No capital gains tax (on withdrawal) if you stay invested for over a year as per current tax laws. 

Invest in the long-term to overcome short-term ups and downs. 

Risk is lowered: Mutual funds invest in many companies and funds are managed by experts; which can be considered as an alternative to 

direct investment in shares. 

Investors are requested to consult their tax advisor before investing for individual nature of tax benefit. The Financial Solution (Wealth Creation Solution) stated above is ONLY for highlighting the many 

advantages perceived from investments in Mutual Funds but does not in any manner, indicate or imply, either the quality of any particular Scheme or guarantee any specific performance/returns. 

23

Birla Sun Life ‘95 Fund 

What is it? 

A fund that seeks to achieve long-term 

growth of your investment at moderate levels 

of risk by striking a balance between 

potential growth of equity and relative safety 

of debt. 


Fund Manager: Mr. Nishit Dholakia & 

Mr. Prasad Dhonde 



Date of inception: February 10, 1995 

Nature of the scheme: An Open-ended Balanced 

Scheme 

Rating Profile of portfolio 

9.92% 

10.28% 

8.52% 0.51% 

WEALTH CREATION 

SOLUTIONS 

High Returns High Risk 3 yrs+ High Liquidity 



Regular Plan 

Growth: 

351.52 


Direct Plan $ 

Growth: 

351.70 

Dividend: 

114.53 

Benchmark: 




Beta: 0.88 

CRISIL Balanced Fund 

Index 

Date of Inception: Feb 10, 1995 


Entry Load: 

Nil 

Exit Load**: 1% if redeemed / 

switched out within 365 


allotment. 


issued in Bonus & 










NAV Per 

Unit. * 

(`) 

70.78% 

Other Cash & Current Assets AA AAA Sovereign 



Life ‘95 Fund 

(%) 

CRISIL 

Balanced 


Index # (%) 

S&P CNX 

Nifty ## 

(%) 


10000 in 


Life ‘95 


CRISIL 

Balanced 


Index # (`) 

S&P CNX 

Nifty 

## (`) 

10.00 22.06 N/A 10.53 346087 N/A 60061 

277.77 24.60 21.28 27.70 12460 12128 12770 

322.45 -13.86 -14.39 -24.62 8614 8561 7538 

269.47 19.66 13.57 17.95 11966 11357 11795 


Past performance may or may not be sustained in future. Returns for dividend option would assume reinvestment of 

tax free dividends declared at the then prevailing NAV. Load and Taxes are not considered for computation of returns. When 

scheme benchmark returns are not available, they have not been shown. 

Total Schemes Co-Managed by Fund Managers is 1. Total Schemes managed by Mr. Prasad Dhonde is 16. Total Schemes 

managed by Mr. Nishit Dholakia is 3. Refer annexure on page no. 52 to know more on performance of schemes managed 

by Fund Managers. 

Note: 

Standard Deviation & Sharpe Ratio are calculated 

on Annualised basis using 3 year history of monthly 

returns, source: MFI Explorer. 



$ 






IDBI Bank Ltd. 9.56% CRISIL AA+ HCL Technologies Ltd. 2.64% 

ICICI Bank Ltd. 4.57% Infosys Ltd. 2.38% 

LIC Housing Finance Ltd. 4.31% CRISIL AAA ITC Ltd. 2.36% 

Power Finance Corporation Ltd. 3.44% CRISIL AAA Tata Motors Ltd. - DVR 2.06% 

HDFC Bank Ltd. 3.01% Axis Bank Ltd. 1.90% 

24

Birla Sun Life Frontline Equity Fund 

What is it? 

A diversified equity fund that invests 

across sectors in line with BSE200 

Index, with a bias for large caps but not 

exclusively focused on them. 


SOLUTIONS 



Fund Manager: Mr. Mahesh Patil 

Managing Fund Since: November 17, 2005 


Date of inception: August 30, 2002 

Nature of the scheme: An Open-ended Growth 

Scheme 


Regular Plan 

Growth: 101.31 

Dividend: 

22.59 

Direct Plan $ 



Benchmark: BSE 200 


Entry Load: 

Nil 

Exit Load**: 






Reinvestment. 




Beta: 0.88 

Date of Inception: Aug 30, 2002 









NAV Per 

Unit. * 

(`) 


Life Frontline 

Equity Fund 

(%) 

BSE 200 

# (%) 

S&P CNX 

Nifty ## 

(%) 




10000 in 



Frontline 

Equity 


BSE 200 

# (`) 

S&P CNX 

Nifty 

## (`) 

10.00 24.85 19.69 18.62 99325 64198 58502 

72.99 36.07 30.98 27.70 13607 13098 12770 

94.70 -22.93 -26.95 -24.62 7707 7305 7538 

79.78 18.70 16.22 17.95 11870 11622 11795 


Past performance may or may not be sustained in future. Returns for dividend option would assume reinvestment of tax 

free dividends declared at the then prevailing NAV. Load and Taxes are not considered for computation of returns. 

Total Schemes managed by Mr. Mahesh Patil is 4. Refer annexure on page no. 52 to know more on performance of schemes 

managed by Fund Manager. 

Note: 


calculated on Annualised basis using 3 years history 

of monthly returns, source: MFI Explorer 

$ 






Issuer % to net Assets Issuer % to net Assets 

ICICI Bank Ltd. 5.46% IndusInd Bank Ltd. 2.90% 

ITC Ltd. 4.39% Housing Development Finance Corporation Ltd. 2.89% 

Reliance Industries Ltd. 3.99% HDFC Bank Ltd. 2.80% 

Infosys Ltd. 3.45% Dr. Reddys Laboratories Ltd. 2.62% 

Larsen & Toubro Ltd. 3.24% HCL Technologies Ltd. 2.55% 

25

Birla Sun Life Top 100 Fund 

What is it? 

A large cap focused fund that invests in 

equity and equity related securities of top 

100 companies in India as measured by 

market capitalization. 


SOLUTIONS 








Scheme 


Regular Plan 

Growth: 26.2401 

Dividend: 

14.9456 

Direct Plan $ 

Growth: 

26.2525 

Dividend: 

14.9530 

Benchmark: 

S&P CNX Nifty 












NAV Per 

Unit. * 

(`) 


Life Top 100 


S&P CNX 

Nifty # (%) 

BSE 

SENSEX ## 

(%) 


10000 in 


Life Top 

100 Fund 

(`) 

S&P CNX 

Nifty # (`) 

BSE 

SENSEX 

## (`) 

10.00 14.20 13.29 13.19 25959 24535 24377 

19.04 36.36 27.70 25.70 13636 12770 12570 

24.28 -21.60 -24.62 -24.64 7840 7538 7536 

20.57 18.04 17.95 17.43 11804 11795 11743 







Entry Load: 

Nil 

Exit Load**: 






Reinvestment. 




Beta: 0.86 

Note: 



of monthly returns,source: MFI Explorer 

$ 







ICICI Bank Ltd. 5.58% Larsen & Toubro Ltd. 2.81% 

Reliance Industries Ltd. 4.03% Housing Development Finance Corporation Ltd. 2.71% 

ITC Ltd. 3.59% Axis Bank Ltd. 2.68% 

Infosys Ltd. 3.49% HCL Technologies Ltd. 2.55% 

Cairn India Ltd. 2.85% IndusInd Bank Ltd. 2.53% 

26

Birla Sun Life Equity Fund 

What is it? 

A Diversified Equity Fund that looks for 

opportunities without any sectoral or 

market cap bias with the aim to give you 

long term growth of capital. 


SOLUTIONS 



Fund Manager: Mr. Anil Shah 





Scheme 


Regular Plan 



Direct Plan $ 

Growth: 

277.25 



Date of Inception: Aug 27,1998 









NAV Per 

Unit. * 

(`) 


Life Equity 


BSE 200 

# (%) 

S&P CNX 

Nifty ## 

(%) 




10000 in 


Life Equity 


BSE 200 

# (`) 

S&P CNX 

Nifty ## (`) 

10.00 26.10 15.17 13.87 275861 75972 64565 

203.23 35.74 30.98 27.70 13574 13098 12770 

287.77 -29.38 -26.95 -24.62 7062 7305 7538 

252.08 14.16 16.22 17.95 11416 11622 11795 




Total Schemes managed by Anil Shah is 1. Refer annexure on page no. 52 to know more on performance of schemes 



Entry Load: 

Nil 

Exit Load**: 

1% if redeemed switched 





Reinvestment. 




Beta: 

0.93 

Note: 







$ 





ICICI Bank Ltd. 7.26% Coal India Ltd. 2.79% 

IndusInd Bank Ltd. 4.02% ITC Ltd. 2.71% 

Cairn India Ltd. 3.72% Hindustan Zinc Ltd. 2.60% 

HCL Technologies Ltd. 3.45% Axis Bank Ltd. 2.56% 

LIC Housing Finance Ltd. 2.91% Satyam Computer Services Ltd. 2.41% 

27

Birla Sun Life Advantage Fund 

What is it? 

A Diversified Equity Fund that aims to 

achieve long-term growth of capital, at 

relatively moderate levels of risk through a 

research-based investment approach. 


SOLUTIONS 








Scheme 


Regular Plan 

Growth: 

160.51 


Direct Plan $ 

Growth: 

160.55 












NAV Per 

Unit. * 

(`) 



Advantage 


BSE 200 

# (%) 

S&P CNX 

Nifty ## 

(%) 




10000 in 



Advantage 


BSE 200 

# (`) 

S&P CNX 

Nifty ## (`) 

10.00 18.10 10.90 10.32 161956 63490 57788 

124.86 29.71 30.98 27.70 12971 13098 12770 

173.49 -28.03 -26.95 -24.62 7197 7305 7538 

151.66 14.39 16.22 17.95 11439 11622 11795 




Total Schemes managed by Mr. Satyabrata Mohanty is 16. Refer annexure on page no. 52 to know more on performance of 

schemes managed by Fund Manager. 


Entry Load: 

Nil 


switched out within 7 days 

from the date of allotment. 



Reinvestment. 




Beta: 

0.92 

Note: 




## Risk-free rate assumed to be 7.94% (91 day T-bill $ 







ICICI Bank Ltd. 7.35% HDFC Bank Ltd. 2.84% 

State Bank of India 4.44% Satyam Computer Services Ltd. 2.82% 

ITC Ltd. 4.30% Reliance Industries Ltd. 2.65% 

HCL Technologies Ltd. 3.87% Zee Entertainment Enterprises Ltd. 2.30% 

Larsen & Toubro Ltd. 2.88% Adani Enterprises Ltd. 2.28% 

28

Birla Sun Life Long Term Advantage Fund 

What is it? 

An Open ended Equity fund that invests 

in a Diversified portfolio of equity and 

equity related securities 


SOLUTIONS 








Nature of the scheme: An Open Ended Diversified 

Equity Scheme 


Regular Plan 

Growth: 

15.56 


Direct Plan $ 

Growth: 

15.57 




Entry Load: 

Nil 

Exit Load: 






Reinvestment. 




Beta: 0.84 











NAV Per 

Unit. * 

(`) 


Life Long 

Term 

Advantage 


BSE 200 

# (%) 

S&P CNX 

Nifty ## 

(%) 


10000 in 


Life Long 

Term 

Advantage 


BSE 200 

# (`) 

S&P CNX 

Nifty 

## (`) 

10.00 7.11 8.03 8.41 15344 16181 16536 

11.65 31.67 30.98 27.70 13167 13098 12770 

15.37 -24.20 -26.95 -24.62 7580 7305 7538 

12.64 21.60 16.22 17.95 12160 11622 11795 






Note: 


son Annualised basis using 3 years history of monthly 





$ 





ICICI Bank Ltd. 5.60% HCL Technologies Ltd. 3.09% 

ITC Ltd. 5.57% Tata Consultancy Services Ltd. 2.93% 

IndusInd Bank Ltd. 3.97% Power Grid Corporation of India Ltd. 2.91% 

Reliance Industries Ltd. 3.41% Tata Motors Ltd. 2.41% 

Larsen & Toubro Ltd. 3.16% Tata Steel Ltd. 2.24% 

29

Birla Sun Life Pure Value Fund 

What is it? 

An Open ended Diversified Equity fund 

that follows value investing strategy to 

generate consistent long-term capital 

appreciation. 


SOLUTIONS 





Fund Manager: Mr. Nishit Dholakia 

Date of Inception: Mar 27, 2008 NAV Per Birla Sun BSE 200 S&P CNX Value of Standard Investment of ` 


Unit. * Life Pure # (%) Nifty ## 

10000 in 


(`) Value Fund 

(%) Birla Sun BSE 200 S&P CNX 


(%) 

Life Pure # (`) Nifty 

Nature of the scheme: An Open-ended Diversified 

Value 

## (`) 


Equity Scheme 


10.00 13.43 4.58 4.30 18233 12381 12225 




13.67 33.39 30.98 27.70 13339 13098 12770 

Regular Plan 


Growth: 18.3132 


18.00 -24.04 -26.95 -24.62 7596 7305 7538 




Direct Plan $ 

14.55 23.72 16.22 17.95 12372 11622 11795 


Growth: 18.3216 





Total Schemes managed by Mr. Nishit Dholakia is 3. Refer annexure on page no. 52 to know more on performance of 




Entry Load: 

Nil 

Exit Load**: 






Reinvestment. 




Beta: 

0.75 

Note: 




$ 







Glaxosmithkline Consumer Healthcare Ltd. 5.02% HCL Technologies Ltd. 3.79% 

Birla Corporation Ltd. 4.15% The Jammu & Kashmir Bank Ltd. 3.65% 

ING Vysya Bank Ltd. 4.05% Karur Vysya Bank Ltd. 3.62% 

HT Media Ltd. 3.96% The Federal Bank Ltd. 3.46% 

Torrent Pharmaceuticals Ltd. 3.86% Bank of India 3.36% 

30

Birla Sun Life Midcap Fund 

What is it? 

A fund that provides an opportunity to 

invest in midsized companies which can 

be potential leaders of tomorrow. 


SOLUTIONS 



Fund Manager: Mr. Sanjay Chawla 





Scheme 


Regular Plan 

Growth: 

116.93 

Dividend: 

21.93 

Direct Plan $ 

Growth: 

116.98 

Dividend: 

21.95 

Benchmark: 

CNX Midcap 


Entry Load: 

Nil 

Exit Load**: 
















NAV Per 

Unit. * 

(`) 


Life Midcap 


CNX 

Midcap # 

(%) 

S&P CNX 

Nifty ## 

(%) 




10000 in 



Midcap 


CNX 

Midcap 

# (`) 

S&P CNX 

Nifty 

## (`) 

10.00 27.32 24.50 19.53 118937 94536 62277 

87.36 36.15 39.16 27.70 13615 13916 12770 

118.78 -26.45 -31.00 -24.62 7355 6900 7538 

104.84 13.30 19.16 17.95 11330 11916 11795 




Total Schemes managed by Mr. Sanjay Chawla is 4. Refer annexure on page no. 52 to know more on performance of 





Beta: 0.80 

Note: 




$ 







Motherson Sumi Systems Ltd. 3.75% Marico Ltd. 2.81% 

Solar Industries India Ltd. 3.71% Yes Bank Ltd. 2.69% 

Madras Cements Ltd. 2.98% The Federal Bank Ltd. 2.69% 

IndusInd Bank Ltd. 2.88% IPCA Laboratories Ltd. 2.64% 

Cummins India Ltd. 2.83% Shree Cement Ltd. 2.58% 

31

Birla Sun Life Small & Midcap Fund 

What is it? 

An Equity fund that aims to generate growth 

and capital appreciation by investing 

predominantly in equity and equity related 

securities of companies considered to be 

small and mid cap. 


SOLUTIONS 







Nature of the scheme: An Open-ended Small & 

Mid Cap Equity Scheme 


Regular Plan 

Growth: 

12.9671 

Dividend: 

12.5686 

Direct Plan $ 

Growth: 

12.9742 

Dividend: 

12.5761 

Benchmark: 

S&P CNX Midcap 












NAV Per 

Unit. * 

(`) 


Life Small & 

Midcap Fund 

(%) 

S & P CNX 

Midcap # 

(%) 

S&P CNX 

Nifty ## 

(%) 


10000 in 


Life Small 

& Midcap 


S & P CNX 

Midcap 

# (`) 

S&P CNX 

Nifty 

## (`) 

10.00 5.07 7.61 5.86 13183 15069 13746 

10.00 31.88 39.16 27.70 13188 13916 12770 

13.04 -23.32 -31.00 -24.62 7668 6900 7538 

10.94 19.17 19.16 17.95 11917 11916 11795 







Entry Load: 

Nil 

Exit Load**: 






Reinvestment. 




Beta: 0.74 

Note: 


on Annualised basis using 3 years history of monthly 


$ 







Solar Industries India Ltd. 4.41% Karur Vysya Bank Ltd. 2.93% 

City Union Bank Ltd. 3.59% PTC India Ltd. 2.87% 

Madras Cements Ltd. 3.34% Glenmark Pharmaceuticals Ltd. 2.79% 

Wabco India Ltd. 3.15% Zydus Wellness Ltd. 2.76% 

AIA Engineering Ltd. 2.99% VA Tech Wabag Ltd. 2.54% 

32

Birla Sun Life MNC Fund 

What is it? 

The fund that invests in securities of 

multinational companies in order to 

achieve long-term growth of capital with 

relatively moderate levels of risk. 


Fund Manager: Mr. Ajay Garg 



Date of inception: December 27, 1999 


Scheme 


Regular Plan 

Growth: 

256.31 


Direct Plan $ 

Growth: 

256.40 

Dividend: 

86.99 

Benchmark: 

CNX MNC 


SOLUTIONS 




Date of Inception: Dec 27, 1999 









NAV Per 

Unit. * 

(`) 


Life MNC 


CNX MNC 

# (%) 

S&P CNX 

Nifty ## 

(%) 


10000 in 


Life MNC 


CNX MNC 

# (`) 

S&P CNX 

Nifty 

## (`) 

36.11 16.61 9.65 11.49 73979 33183 41234 

187.64 42.37 28.29 27.70 14237 12829 12770 

216.18 -13.20 -13.22 -24.62 8680 8678 7538 

162.87 32.73 11.71 17.95 13273 11171 11795 




Total Schemes managed by Mr. Ajay Garg is 13. Refer annexure on page no. 52 to know more on performance of schemes 



Entry Load: 

Nil 

Exit Load**: 



the date of allotment 



Reinvestment. 




Beta: 

0.94 

Note: 




$ 







ING Vysya Bank Ltd. 8.33% Bosch Ltd. 4.56% 

ICRA Ltd. 6.89% Hindustan Unilever Ltd. 4.52% 

Bayer Cropscience Ltd. 6.81% CRISIL Ltd. 4.48% 

Honeywell Automation India Ltd. 5.26% ITC Ltd. 3.74% 

Maruti Suzuki India Ltd. 5.14% Oracle Financial Services Software Ltd. 3.74% 

33

Birla Sun Life Dividend Yield Plus 

What is it? 

A fund that invests in high dividend 

paying companies across market cap 

which typically have steady cash flow 

generation. 


SOLUTIONS 



Fund Manager: Mr. Nishit Dholakia 





Scheme 


Regular Plan 

Growth: 

94.16 

Dividend: 

13.55 

Direct Plan $ 

Growth: 

94.21 

Dividend: 

13.56 

Benchmark: 

S&P CNX 500 


Entry Load: 

Nil 

Exit Load**: 






Reinvestment. 




Beta: 0.80 












NAV Per 

Unit. * 

(`) 


Life Dividend 

Yield Plus 

(%) 

S&P CNX 

500 # (%) 

S&P CNX 

Nifty ## 

(%) 


10000 in 



Dividend 

Yield Plus 

(`) 

S&P CNX 

500 # (`) 

S&P CNX 

Nifty 

## (`) 

10.00 25.62 20.54 19.16 94604 63002 56258 

73.11 29.39 31.84 27.70 12939 13184 12770 

90.05 -18.81 -27.19 -24.62 8119 7281 7538 

69.35 29.85 14.13 17.95 12985 11413 11795 




Total Schemes managed by Mr. Nishit Dholakia is 3. Refer annexure on page no. 52 to know more on performance of 


Note: 







$ 





ITC Ltd. 4.03% The Jammu & Kashmir Bank Ltd. 2.74% 

Oil & Natural Gas Corporation Ltd. 3.58% Power Finance Corporation Ltd. 2.46% 

Glaxosmithkline Consumer Healthcare Ltd. 3.43% Oriental Bank of Commerce 2.43% 

Tata Motors Ltd. - DVR 3.03% Union Bank of India 2.23% 

Bajaj Auto Ltd. 2.95% Castrol India Ltd. 2.21% 

34

Birla Sun Life Infrastructure Fund 

What is it? 

A fund that seeks to participate in growth 

and development of infrastructure in 

India by investing in equity and equity 

related securities of companies in the 

infra sector. 


Fund Manager: Mr. Mahesh Patil & 

Mr. Naysar Shah 

Managing Fund Since: Since inception & 

Dec 05, 2011 




Scheme 


Regular Plan 

Growth: 

15.83 

Dividend: 

10.91 

Direct Plan $ 

Growth: 

15.84 

Dividend: 

10.91 










NAV Per 

Unit. * 

(`) 


Infrastructure 


S&P 

CNX 

Nifty # 

(%) 


SOLUTIONS 


BSE 

SENSEX ## 

(%) 



Value of Standard Investment of ` 10000 in 


Infrastructure 


S&P CNX 

Nifty # (`) 

BSE 

SENSEX 

## (`) 

10.00 7.20 9.26 8.93 16035 18259 17888 

11.86 35.24 27.70 25.70 13524 12770 12570 

18.24 -34.98 -24.62 -24.64 6502 7538 7536 

16.62 9.75 17.95 17.43 10975 11795 11743 




Total Schemes Co-Managed by Fund Managers is 1. Total Schemes managed by Mr. Mahesh Patil is 4. Total Schemes 

managed by Mr. Naysar Shah is 4. Refer annexure on page no. 52 to know more on performance of schemes managed by 

Fund Managers. 

Benchmark: 

S&P CNX Nifty 


Entry Load: 

Nil 

Exit Load**: 






Reinvestment. 




Beta: 

0.99 

Note: 




$ 







ICICI Bank Ltd. 9.77% IndusInd Bank Ltd. 3.81% 

Cummins India Ltd. 5.36% The Federal Bank Ltd. 3.80% 

Larsen & Toubro Ltd. 5.09% Wabco India Ltd. 3.33% 

Reliance Industries Ltd. 4.36% Tata Motors Ltd. - DVR 3.28% 

State Bank of India 4.33% Oil & Natural Gas Corporation Ltd. 2.79% 

35

Birla Sun Life India Reforms Fund 

What is it? 

An Equity fund that aims to generate growth 

and capital appreciation by building a portfolio 

of companies that are expected to benefit 

from the economic reforms, PSU divestment 

and increased government spending. 


SOLUTIONS 



Fund Manager: Mr. Naysar Shah 




Nature of the scheme: An Open-ended Equity 

Scheme 


Regular Plan 

Growth: 

9.73 

Dividend: 

9.73 

Direct Plan $ 

Growth: 

9.73 

Dividend: 

9.73 

Benchmark: 

S&P CNX 500 










NAV Per 

Unit. * 

(`) 


Life India 

Reforms 


S & P CNX 

500 # (%) 

S&P CNX 

Nifty ## 

(%) 


10000 in 



Reforms 


S & P CNX 

500 # (`) 

S&P CNX 

Nifty 

## (`) 

10.00 -0.66 5.31 6.89 9826 11394 11829 

7.44 32.12 31.84 27.70 13212 13184 12770 

10.95 -32.05 -27.19 -24.62 6795 7281 7538 




Total Schemes managed by Mr. Naysar Shah is 4. Refer annexure on page no. 52 to know more on performance of schemes 



Entry Load: 

Nil 

Exit Load**: 


out within 1 year from the 

date of allotment. 







Beta: 1.11 

Note: 


on Annualised basis using 1 years history of monthly 


$ 







ICICI Bank Ltd. 9.72% Gujarat State Fertilizers & Chemicals Ltd 3.67% 

Larsen & Toubro Ltd. 7.34% Kalpataru Power Transmission Ltd. 3.25% 

The Federal Bank Ltd. 4.30% Hathway Cable & Datacom Ltd. 3.24% 

Oil & Natural Gas Corporation Ltd. 4.04% Sadbhav Engineering Ltd. 3.00% 

VA Tech Wabag Ltd. 3.83% PTC India Ltd. 3.00% 

36

Birla Sun Life India GenNext Fund 

What is it? 

A Fund that strives to benefit from the 

rising consumption pattern in India, 

fuelled by high disposable incomes 

of the young generation (Generation 

Next). 







Scheme 


Regular Plan 

Growth: 31.66 

Dividend: 

16.58 

Direct Plan $ 

Growth: 31.68 

Dividend: 

16.59 

Benchmark: 

S&P CNX Nifty 


SOLUTIONS 




Date of Inception: Aug 05, 2005 









NAV Per 

Unit. * 

(`) 



GenNext 


S&P CNX 

Nifty # (%) 

BSE 

SENSEX ## 

(%) 


10000 in 



GenNext 


S&P CNX 

Nifty # (`) 

BSE 

SENSEX 

## (`) 

10.00 16.93 13.17 13.19 31872 25009 25054 

21.83 45.99 27.70 25.70 14599 12770 12570 

25.53 -14.49 -24.62 -24.64 8551 7538 7536 

19.87 28.49 17.95 17.43 12849 11795 11743 







Entry Load: 

Nil 

Exit Load**: 






Reinvestment. 




Beta: 0.72 

Note: 




$ 







ICICI Bank Ltd. 4.18% Colgate-Palmolive (India) Ltd. 2.63% 

HDFC Bank Ltd. 3.51% The Federal Bank Ltd. 2.56% 

Asian Paints Ltd. 3.51% Housing Development Finance Corporation Ltd. 2.45% 

Zee Entertainment Enterprises Ltd. 3.14% Page Industries Ltd. 2.38% 

IndusInd Bank Ltd. 2.72% Glenmark Pharmaceuticals Ltd. 2.36% 

37

Birla Sun Life Buy India Fund 

What is it? 

An equity fund aiming to capitalize on 

the growth opportunities provided by 

companies that are driven by India’s 

large population and consumption 

patterns. 





Date of inception: January 15, 2000 


Scheme 


Regular Plan 

Growth: 48.06 

Dividend: 

24.25 

Direct Plan $ 

Growth: 

48.09 




SOLUTIONS 




Date of Inception: Jan 15, 2000 









NAV Per 

Unit. * 

(`) 


Life Buy 

India Fund 

(%) 

BSE 200 

# (%) 

S&P CNX 

Nifty ## 

(%) 


10000 in 


Life Buy 

India Fund 

(`) 

BSE 200 

# (`) 

S&P CNX 

Nifty 

## (`) 

10.00 13.09 11.16 10.47 49298 39428 36380 

34.48 42.98 30.98 27.70 14298 13098 12770 

45.50 -24.22 -26.95 -24.62 7578 7305 7538 

36.80 23.64 16.22 17.95 12364 11622 11795 







Entry Load: 

Nil 






Reinvestment. 




Beta: 0.82 

Note: 




$ 







Housing Development Finance Corp Ltd 5.68% ICRA Ltd. 4.14% 

Jet Airways (India) Ltd. 5.42% Shoppers Stop Ltd. 4.04% 

Bayer Cropscience Ltd. 4.44% United Spirits Ltd. 3.93% 

Sundaram Clayton Ltd. 4.43% Biocon Ltd. 3.66% 

ING Vysya Bank Ltd. 4.41% GlaxoSmithKline Pharmaceuticals Ltd. 3.57% 

38

Birla Sun Life Special Situations Fund 

What is it? 

A Fund that endeavors to generate longterm 

growth by identifying stocks that may 

have the potential for special situation like 

buy backs, open offers, demerger, etc. and 

a contrarian investment style. 


SOLUTIONS 



Fund Manager: Mr. Anil Shah 

Managing Fund Since: January 04, 2013 





Equity Scheme 


Regular Plan 

Growth: 

10.2159 

Dividend: 

10.2159 

Direct Plan $ 

Growth: 10.2202 




Entry Load: 

Nil 

Exit Load**: 






Reinvestment. 




Beta: 0.87 











NAV Per 

Unit. * 

(`) 


Life Special 

Situations 


BSE 200 

# (%) 

S&P CNX 

Nifty ## 

(%) 


10000 in 



Special 

Situations 


BSE 200 

# (`) 

S&P CNX 

Nifty 

## (`) 

10.00 0.04 1.71 2.87 10020 10870 11494 

7.97 25.79 30.98 27.70 12579 13098 12770 

10.84 -26.50 -26.95 -24.62 7350 7305 7538 

9.68 11.95 16.22 17.95 11195 11622 11795 






Note: 




$ 







ICICI Bank Ltd. 6.66% Solar Industries India Ltd. 3.29% 

HDFC Bank Ltd. 4.39% Larsen & Toubro Ltd. 3.26% 

Axis Bank Ltd. 3.97% Reliance Industries Ltd. 2.89% 

Power Finance Corporation Ltd. 3.93% Financial Technologies (India) Ltd. 2.78% 

Gujarat State Fertilizers & Chemicals Ltd 3.30% PTC India Ltd. 2.73% 

39

Birla Sun Life India Opportunities Fund 

What is it? 

A fund that allows investors to participate 

in India’s global outsourcing theme by 

identifying companies that seek to utilize 

India’s low cost and high quality resources 

to service the needs of global customers. 


SOLUTIONS 






Date of inception: December 27, 1999 


Scheme 


Regular Plan 

Growth: 

52.53 

Dividend: 

15.84 

Direct Plan $ 

Growth: 

52.54 

Dividend: 

15.84 

Benchmark: 

S&P CNX 500 










NAV Per 

Unit. * 

(`) 



Opportunities 


(%) 

S&P CNX 

500 # 

(%) 

S&P CNX 

Nifty ## 

(%) 




10000 in 



Opportunities 


S&P CNX 

500 # 

(`) 

S&P CNX 

Nifty 

## 

(`) 

23.70 6.39 11.48 11.49 22401 41161 41234 

41.18 28.92 31.84 27.70 12892 13184 12770 

58.92 -30.11 -27.19 -24.62 6989 7281 7538 

50.37 16.97 14.13 17.95 11697 11413 11795 







Entry Load: 

Nil 






Reinvestment. 




Beta: 0.78 

Note: 






$ 






Cummins India Ltd. 7.93% Satyam Computer Services Ltd. 4.78% 

CRISIL Ltd. 7.23% Tata Consultancy Services Ltd. 4.56% 

Infosys Ltd. 5.46% HCL Technologies Ltd. 4.40% 

Cipla Ltd. 5.31% KEC International Ltd. 4.38% 

Honeywell Automation India Ltd. 5.18% Bajaj Auto Ltd. 4.23% 

40

Birla Sun Life New Millennium Fund 

What is it? 

A thematic fund that invests in companies 

related to the IT sector like hardware, 

peripherals and components, software, 

telecom, media, internet and e-commerce 

and other technology enabled companies. 


SOLUTIONS 








Scheme 


Regular Plan 

Growth: 

19.69 


Direct Plan $ 

Growth: 

19.70 


Benchmark: 

BSE Teck 


Entry Load: 

Nil 

Exit Load**: 






Reinvestment. 




Beta: 

0.89 












NAV Per 

Unit. * 

(`) 


Life New 

Millennium 


BSE Teck 

# (%) 

S&P CNX 

Nifty ## 

(%) 


10000 in 


Life New 

Millennium 


BSE Teck 

# (`) 

S&P CNX 

Nifty 

## (`) 

10.00 4.70 N/A 10.12 18070 N/A 34924 

17.43 3.67 1.41 27.70 10367 10141 12770 

22.29 -21.80 -16.47 -24.62 7820 8353 7538 

19.12 16.58 23.49 17.95 11658 12349 11795 



tax free dividends declared at the then prevailing NAV. Load and Taxes are not considered for computation of returns. When 

scheme benchmark returns are not available, they have not been shown. 



Note: 







$ 





Infosys Ltd. 33.85% Oracle Financial Services Software Ltd. 3.02% 

Tata Consultancy Services Ltd. 19.90% Dish TV India Ltd. 2.96% 

HCL Technologies Ltd. 7.36% Financial Technologies (India) Ltd. 2.77% 

Bharti Airtel Ltd. 5.73% NIIT Technologies Ltd. 2.71% 

Satyam Computer Services Ltd. 3.69% Wipro Ltd. 2.54% 

41

Birla Sun Life Asset Allocation Fund 

What is it? 

An open ended Fund-of-Funds 

scheme with 3 plans to help you plan 

your investments to suit your risk 

profile. 


SOLUTIONS 

Moderate Returns Medium-High Risk 3 yrs+ High Liquidity 


Fund Manager: 

Mr. Satyabrata Mohanty & 

Mr. Vineet Maloo 




Nature of the scheme: An Open-ended Fund of 

Funds Scheme 


Aggressive Plan: 

Regular Plan 

Growth: 36.0487 


Direct Plan $ 

Growth: 36.0488 


Conservative Plan: 

Regular Plan 

Growth: 

23.6507 

Dividend: 

23.6507 

Direct Plan $ 

Growth: 

23.6507 

Dividend: 

23.6507 

Moderate Plan: 

Regular Plan 

Growth: 

31.4510 

Dividend: 

31.4510 

Direct Plan $ 

Growth: 

31.4511 

Dividend: 

31.4511 



Aggressive Plan: 11.87% 

Conservative Plan: 3.52% 


7.95% 

Note: 


using 3 years history of monthly returns, source: MFI 

Explorer. 

$ 

‘Direct Plan’ is only for investors who purchase / 

subscribe Units in a Scheme directly with the Mutual 

Fund and is not available for investors who route their 

investments through a Distributor. For further details, 

Investors are advised to refer to Addendum no. 44/2012 

dated December 27, 2012 available on our website www. 

birlasunlife.com 


Investment Performance - Aggressive Plan - Growth NAV as on December 31, 2012: ` 36.2347 

Date of Inception: Feb 24, 2004 NAV Per 

S&P CNX BSE SENSEX Value of Standard Investment of ` 10000 

Unit. * 

Nifty # (%) ## (%) 

in 

(`) 









Top Portfolio Holdings - Moderate Plan 

Issuer 


Life AAF - 

Aggressive 

Plan (%) 

% to net Assets 



Aggressive 

Plan (`) 

Birla Sun Life Income Plus - Growth-Direct Plan 27.48% 

Birla Sun Life Top 100 Fund - Growth-Direct Plan 14.63% 

Birla Sun Life Advantage Fund - Growth-Direct Plan 14.02% 

Birla Sun Life Small & Midcap Fund - Growth-Direct Plan 

10.89% 

Birla Sun Life Government Securities Fund Long Term - Growth -Direct Plan 9.87% 

Birla Sun Life Infrastructure Fund - Growth-Direct Plan 8.26% 

Birla Sun Life Midcap Fund - Growth-Direct Plan 6.70% 

Cash & Cash Equivalents 

5.43% 

Birla Sun Life Global Precious Metals Plan - Growth-Direct Plan 2.34% 

Birla Sun Life Global Multi Commodity Plan - Growth-Direct Plan 2.18% 

Net receivables / payables -1.80% 

S&P CNX 

Nifty # (`) 

BSE SENSEX 

## (`) 

10.00 15.64 14.20 14.62 36235 32417 33495 

30.35 19.38 27.70 25.70 11938 12770 12570 

36.17 -16.09 -24.62 -24.64 8391 7538 7536 

31.18 16.00 17.95 17.43 11600 11795 11743 

Investment Performance - Conservative Plan - Growth NAV as on December 31, 2012: ` 23.3915 


Unit. * 

(`) 

CRISIL MIP 

Blended 

Index # (%) 

S&P CNX 

Nifty ## (%) 


in 









Benchmark: 

Aggressive Plan: S&P CNX Nifty 



Conservative Plan: CRISIL MIP Blended Index 



CRISIL Balanced Fund Index December 31, 2012 (Absolute) 




Entry Load: 

Nil 



Exit Load: 

Nil 



Conservative 

Plan (%) 



Conservative 

Plan (`) 

CRISIL MIP 

Blended 

Index # (`) 

S&P CNX 

Nifty 

## (`) 

10.00 10.07 7.25 14.20 23391 18583 32417 

20.73 12.85 12.12 27.70 11285 11212 12770 

20.81 -0.38 1.72 -24.62 9962 10172 7538 

19.38 7.36 7.00 17.95 10736 10700 11795 

Investment Performance - Moderate Plan - Growth NAV as on December 31, 2012: ` 31.3875 


Unit. * 

(`) 

S&P CNX 

Nifty ## (%) 


in 



Moderate Plan 

(%) 

CRISIL 

Balanced 


# (%) 



Moderate 

Plan (`) 

CRISIL 

Balanced 


# (`) 

S&P CNX 

Nifty 

## (`) 

10.00 13.78 11.45 14.20 31387 26122 32417 

26.67 17.71 21.28 27.70 11771 12128 12770 

29.17 -8.60 -14.39 -24.62 9140 8561 7538 

26.21 11.32 13.57 17.95 11132 11357 11795 


Past performance may or may not be sustained in future. Returns for dividend option would assume reinvestment of tax free 

dividends declared at the then prevailing NAV. Load and Taxes are not considered for computation of returns. 


Vineet Maloo is 8. Refer annexure on page no. 52 to know more on performance of schemes managed by Fund Manager. 

Top Portfolio Holdings - Aggressive Plan 

Top Portfolio Holdings - Conservative Plan 


Birla Sun Life Top 100 Fund - Growth - Direct Plan 19.18% Birla Sun Life Income Plus - Growth Direct Plan 54.26% 

Birla Sun Life Advantage Fund - Growth - Direct Plan 17.38% Cash & Cash Equivalents 23.68% 

Birla Sun Life Income Plus - Growth - Direct Plan 17.14% Birla Sun Life Top 100 Fund - Growth Direct Plan 4.83% 

Birla Sun Life Small & Midcap Fund - Growth - Direct Plan 14.07% Birla Sun Life Advantage Fund - Growth Direct Plan 4.82% 

Birla Sun Life Infrastructure Fund - Growth - Direct Plan 10.87% Birla Sun Life Small & Midcap Fund - Growth Direct Plan 3.79% 

Birla Sun Life Midcap Fund - Growth - Direct Plan 8.41% Birla Sun Life Infrastructure Fund - Growth Direct Plan 2.84% 

Cash & Cash Equivalents 5.20% Birla Sun Life Midcap Fund - Growth Direct Plan 2.26% 

Birla Sun Life Global Precious Metals Plan - Growth - Direct Plan 4.35% Birla Sun Life Government Securities Fund Long Term - Growth Direct Plan 1.74% 

Birla Sun Life Global Multi Commodity Plan - Growth - Direct Plan 3.55% Birla Sun Life Global Multi Commodity Plan - Growth Direct Plan 1.71% 

Net receivables / payables -0.14% Birla Sun Life Global Precious Metals Plan - Growth Direct Plan 0.72% 

Net receivables / payables 

-0.65% 

42

Birla Sun Life Enhanced Arbitrage Fund 

What is it? 

A fund that aims to generate income by 

investing in equity and equity related 

instruments and take advantage of the 

price differentials or mis-pricing prevailing 

in a stock or index. 


Conservative Returns Low-Medium Risk 1 yr + High Liquidity 



Managing Fund Since: Dec 05, 2011 


Date of inception: July 24, 2009 

Nature of the scheme: An Open-ended Equity 

Scheme 


Regular Plan 

Growth: 12.3833 

Dividend: 

12.0931 

Direct Plan $ 

Growth: 12.3864 

Benchmark: 


Index 


Entry Load: 

Nil 

Exit Load**: For Redemption / 

Switch-out of units before 

90 days from the date of 

allotment: 0.75%. For 

Redemption / Switch-out 

of units on or after 90 

days but before 180 days 


0.50%. For Redemption/ 

Switch-out of units on or 

after 180 days from the 

date of allotment: Nil. 



Reinvestment. 

Date of Inception: July 24, 2009 



NAV Per 

Unit. * 

(`) 



Enhanced 

Arbitrage 


CRISIL 

Liquid 


# (%) 

BSE 

SENSEX ## 

(%) 










10000 in 



Enhanced 

Arbitrage 


CRISIL 

Liquid 


# (`) 

BSE 

SENSEX 

## (`) 

10.0000 6.11 6.66 7.03 12264 12479 12625 

11.4548 7.06 8.54 25.70 10706 10854 12570 

10.6933 7.12 8.15 -24.64 10712 10815 7536 

10.1449 5.41 5.12 17.43 10541 10512 11743 


Past performance may or may not be sustained in future. Returns for dividend option would assume reinvestment of tax free 

dividends declared at the then prevailing NAV. Load and Taxes are not considered for computation of returns. 

Total Schemes managed by Mr. Ajay Garg is 13. Refer annexure on page no. 52 to know more on performance of schemes managed by Fund 

Manager. 


$ 





Karnataka Bank Ltd. 22.13% Crompton Greaves Ltd. 7.18% 

Pantaloon Retail (India) Ltd. 16.67% Crompton Greaves Ltd. Fut Feb 13 -7.24% 

Reliance Infrastructure Ltd. 8.65% Punjab National Bank Fut Feb 13 -7.71% 

Tech Mahindra Ltd. 8.39% Tech Mahindra Fut Feb 13 -8.44% 

Punjab National Bank 7.66% Reliance Infrastructure Ltd. Fut Feb 13 -8.73% 

43

Birla Sun Life Commodity Equities Fund 

What is it? 

A Fund that provides exposure to commodities, 

by investing in handpicked commodity companies 

worldwide, that have business exposure to 

various commodities like Energy, Precious 

metals, Industrial metals, Water and Agricultural 

commodities. 


Entry Load: 

Nil 

Exit Load**: 3% if redeemed / 



For redemption/switchout of 

units after 30 days but 

before 365 days from the 

date of allotment: 1.00% 

of applicable NAV. For 

redemption/switch-out 





Reinvestment. 

Other Parameters 

Global Agri Plan 



Beta: 0.43 

Note: 

Standard Deviation, Sharpe Ratio & Beta are calculated on 

Annualised basis using 1 years history of monthly returns, source: 

MFI Explorer 

## Risk-free rate assumed to be 7.94% (91 day T-bill yield as on 

Jan 31, 2013). 

Top Ten Portfolio Holdings - Global Agri Plan 

Global Multi Commodity Plan 



Beta: 0.20 

Global Precious Metals Plan 



Beta: 0.67 


SOLUTIONS 



Investment Performance - Global Agri Plan - Growth NAV as on December 31, 2012: ` 17.6121 


Date of Inception: Nov 07, 2008 NAV Per Birla Sun Life S&P Global S&P CNX Value of Standard Investment of ` 10000 

Fund Manager: 

Mr. Vineet Maloo 

Unit. * Commodity Agribusiness Nifty ## (%) 

in 

Managing Fund Since: Since Inception 

(`) Equities Fund Index # (%) 

Birla S&P Global S&P CNX 


- Global Agri 

Sun Life Agribusiness Nifty 

Date of inception: November 07, 2008 

Plan - Retail 

Commodity Index # (`) ## (`) 

Growth (%) 

Equities 


Fund - 

Scheme 

Global Agri 


Global Agri Plan: 

Plan - Retail 

Growth (`) 

Regular Plan 


10.00 14.61 24.12 17.98 17612 24521 19862 


Growth: 

18.3896 


Dividend: 

17.2194 

15.24 15.53 18.45 27.70 11553 11845 12770 


Direct Plan $ 


17.63 -13.53 4.92 -24.62 8647 10492 7538 

Growth: 

18.3983 



Dividend: 

17.2259 

15.16 16.28 17.81 17.95 11628 11781 11795 


Global Multi Commodity Plan: 

Investment Performance - Global Multi Commodities Plan - Growth NAV as on December 31, 2012: ` 13.5736 

Regular Plan 

Date of Inception: Nov 07, 2008 NAV Per Birla Sun Life MSCI World S&P CNX Value of Standard Investment of ` 10000 

Growth: 14.1088 

Unit. * Commodity Index # (%) Nifty ## (%) 

in 


(`) Equities Fund 

Birla Sun Life MSCI World S&P CNX 

Direct Plan $ 

- Global Multi 

Commodity Index # (`) Nifty 

Growth: 

14.1154 

Commodities 

Equities Fund 

## (`) 


Plan - Retail 

- Global Multi 

Global Precious Metals Plan: 

Growth (%) 

Commodities 

Plan - Retail 

Regular Plan 

Growth (`) 

Growth: 

10.9172 


10.00 7.64 13.32 17.98 13574 16801 19862 

Dividend: 

10.9172 


Direct Plan $ 


12.90 5.25 17.03 27.70 10525 11703 12770 


Growth: 

10.9233 


14.76 -12.60 7.61 -24.62 8740 10761 7538 

Dividend: 

10.9233 




Benchmark: 

12.88 14.59 6.09 17.95 11459 10609 11795 

Global Agri Plan: 

S&P Global Agribusiness Index Investment Performance - Global Precious Metals Plan - Growth NAV as on December 31, 2012: ` 11.9538 

Global Multi Commodities 

Date of Inception: Nov 07, 2008 NAV Per Birla Sun Life Dow Jones S&P CNX Value of Standard Investment of ` 10000 

Plan: 

MSCI World Index 

Unit. * Commodity Precious Nifty ## (%) 

in 

Global Precious Metals 

(`) Equities Metals Index 

Dow Jones S&P CNX 

Plan: 

Dow Jones Precious Metals 

Index 

Fund - Global 

Precious 

# (%) 

Precious 

Metals Index 

Nifty 

## (`) 

Metals Plan- 

# (`) 

Retail Growth 

(%) 










Commodity 

Equities 

Fund - Global 

Precious 

Metals Plan- 

Retail Growth 

(`) 

10.00 4.39 19.80 17.98 11954 21166 19862 

13.13 -8.94 -11.82 27.70 9106 8818 12770 

15.20 -13.65 -3.24 -24.62 8635 9676 7538 

12.32 23.41 29.60 17.95 12341 12960 11795 


Past performance may or may not be sustained in future. Returns for dividend option would assume reinvestment of tax free dividends 

declared at the then prevailing NAV. Load and Taxes are not considered for computation of returns. 

Total Schemes managed by Mr. Vineet Maloo is 8. Refer annexure on page no. 52 to know more on performance of schemes managed by Fund 

Manager. 

$ 




Top Ten Portfolio Holdings - Global Precious Metals Plan 

Issuer 

% to net Assets Issuer 

% to net Assets 

Barrick Gold Corp 

5.84% Kinross Gold Corp 

3.97% 

Newmont Mining Corp 5.33% Agnico-Eagle Mines Ltd. 3.95% 

Silver Wheaton Corp 5.10% Royal Gold Inc 3.88% 

Yamana Gold Inc 4.30% Randgold Resources Ltd. 3.69% 

Gold Fields Ltd. 4.27% New Gold Inc 

3.57% 

Top Ten Portfolio Holdings - Global Multi Commodity Plan 


Mosaic Co 5.51% Exxon Mobil Corp 5.36% 

Monsanto Co 5.45% BASF SE 3.92% 

Potash Corp of Saskatchewan Inc 5.29% CF Industries Holdings Inc 3.84% 

CF Industries Holdings Inc 4.98% Halliburton Co 3.78% 

Yara International ASA 4.53% Schlumberger Ltd 3.73% 

GEA Group AG 4.49% Deere & Co 3.45% 

Deere & Co 4.39% ENI SpA 3.36% 

FMC Corp 4.20% Mosaic Co 3.31% 

Tate & Lyle PLC 4.01% Agrium Inc 3.22% 

BRF - Brasil Foods SA 3.89% Potash Corp of Saskatchewan Inc 3.22% 

44

Birla Sun Life International Equity Fund - Plan A 

What is it? 


grow your money by investing in worldclass 

companies across the globe. 


SOLUTIONS 





Fund Manager: Mr. Vineet Maloo 

Date of Inception: Oct 31, 2007 NAV Per Birla S&P S&P CNX Value of Standard Investment of ` 10000 in 


Unit. * Sun Life Global Nifty ## 


(`) International 1200 # (%) Birla Sun Life S&P Global S&P CNX 


Equity Fund - (%) 

International 1200 # (`) Nifty 

Plan A (%) 

Equity Fund - 

## (`) 


Plan A (`) 

Equity Scheme 



10.00 3.26 2.11 0.01 11806 11141 10008 



10.15 16.35 17.18 27.70 11635 11718 12770 

Regular Plan 



Growth: 

12.0849 

9.41 7.86 9.68 -24.62 10786 10968 7538 


Dividend: 

12.0849 


Direct Plan $ 

8.97 4.90 4.88 17.95 10490 10488 11795 


Growth: 

12.0903 


Dividend: 

12.0903 



Benchmark: S&P Global 1200 

Total Schemes managed by Mr. Vineet Maloo is 8. Refer annexure on page no. 52 to know more on performance of schemes 


. 


Entry Load: 

Nil 

Exit Load: 

Nil 




Beta: 0.84 

Note: 






$ 






Chubb Corp 5.57% Aetna Inc 3.30% 

MTR Corp 3.90% International Business Machines Corp 3.29% 

Coach Inc 3.52% PPG Industries Inc 3.28% 

Northrop Grumman Corp 3.52% Statoil ASA 3.27% 

ENSCO PLC 3.48% Roche Holding AG 3.13% 

45

Birla Sun Life International Equity Fund - Plan B 

What is it? 


grow your money by investing in worldclass 

companies across the globe, with 

at least 65% exposure to domestic 

markets. 


SOLUTIONS 




Fund Manager: Mr. Vineet Maloo 


Date of Inception: Oct 31, 2007 NAV Per Birla Customised S&P CNX Value of Standard Investment of ` 10000 in 

Unit. * Sun Life Index † # Nifty ## 


(`) International (%) (%) Birla Sun Life Customised S&P CNX 


Equity Fund - 

International Index † Nifty 


Plan B (%) 

Equity Fund - # (`) ## (`) 

Plan B (`) 

Equity Scheme 


10.00 0.40 1.64 0.01 10210 10875 10008 




8.21 24.34 26.46 27.70 12434 12646 12770 

Regular Plan 



Growth: 

10.2399 

10.06 -18.41 -15.18 -24.62 8159 8482 7538 


Dividend: 

10.2399 


Direct Plan $ 

8.95 12.41 12.59 17.95 11241 11259 11795 


Growth: 10.2437 


Benchmark: Customised Index † 

† A customized benchmark created using BSE 200 to 

the extent of 65% of portfolio and S&P Global 1200 to 

the extent of 35% of portfolio. 


Entry Load: 

Nil 

Exit Load**: 






Reinvestment. 





Total Schemes managed by Mr. Vineet Maloo is 8. Refer annexure on page no. 52 to know more on performance of schemes 

managed by Fund Managers. 

† A customized benchmark created using BSE 200 to the extent of 65% of portfolio and S&P Global 1200 to the 

extent of 35% of portfolio. 



Sharpe Ratio##: 

Beta: 

13.45% 

-0.09 

0.96 

Note: 






$ 






Infosys Ltd. 2.74% IndusInd Bank Ltd. 2.23% 

ICICI Bank Ltd. 2.70% HDFC Bank Ltd. 2.12% 

ITC Ltd. 2.62% Larsen & Toubro Ltd. 2.01% 

Financial Technologies (India) Ltd. 2.38% VST Industries Ltd. 1.99% 

Reliance Industries Ltd. 2.24% Housing Development Finance Corporation Ltd. 1.90% 

46

Birla Sun Life Index Fund 

What is it? 

A fund that is designed to mirror 

the market performance of the 50 

companies in the Nifty Index. 


SOLUTIONS 






Date of inception: September 18, 2002 

Nature of the scheme: An Open-ended Index 

Linked Growth Scheme 


Regular Plan 

Growth: 

58.8823 


Direct Plan $ 

Growth: 

58.9003 


Benchmark: 

S&P CNX Nifty 



Date of Inception: Sept 18, 2002 









NAV Per 

Unit. * 

(`) 


Life Index 


S&P CNX 

Nifty # (%) 

BSE 

SENSEX ## 

(%) 


10000 in 


Life Index 


S&P CNX 

Nifty # (`) 

BSE 

SENSEX 

## (`) 

10.00 18.59 19.16 19.81 57741 60737 64247 

45.47 26.98 27.70 25.70 12698 12770 12570 

60.95 -25.40 -24.62 -24.64 7460 7538 7536 

51.84 17.57 17.95 17.43 11757 11795 11743 







Entry Load: 

Nil 






Reinvestment. 



19.11% 

Note: 


using 3 years history of monthly returns, source: MFI 

Explorer. 

$ 






Nifty Fut Feb 13 8.03% Housing Development Finance Corporation Ltd. 5.69% 

ITC Ltd. 7.86% HDFC Bank Ltd. 5.49% 

Reliance Industries Ltd. 6.90% Larsen & Toubro Ltd. 3.91% 

ICICI Bank Ltd. 6.46% Tata Consultancy Services Ltd. 3.22% 

Infosys Ltd. 6.33% State Bank of India 2.96% 

47

Tax Savings Solutions 

What are Tax Savings Solutions? 

Our Tax Savings Solutions help to 

reduce your tax burden and at the 

same time, aim to grow your money 

through equity investments. 

Who can benefit from Tax Savings 

Solutions? 

Tax saving is important, especially when 

investors can save up to ` 30,900 in taxes! 

Section 80C of the Income Tax Act, 1961 

provides options to save tax by reducing 

the taxable income by up to ` 1 lakh. 

But, wealth creation is also important. 

Isn’t it? That’s why this solution is ideal for 

investors who would like to create wealth 

along with tax saving. 

Tax savings of ` 30,900 is calculated assuming qualifying amount of 

deduction is ` 1 lakh & investor falls in the top income tax slab of 30% 

& includes applicable cess. Investors are advised to consult their tax 

advisor in view of individual nature of tax benefits. 

Benefits of Tax Savings Solutions: 

Low lock-in period: Your money is locked-in for just 3 years, as against the much longer lock-in periods in other options. 

Potential to earn dividends: While your money is locked-in for 3 years, you may opt for the dividend option and can receive returns in the form 

of tax-free dividends during this time. This feature is unique only to tax saving solutions from mutual funds. 

Earn market linked returns: Since investments are made in stocks of Indian companies, the value of your investment moves with the stock 

market. Although it comes with market related risks, your money is diversified i.e. spread out across stocks of multiple companies and is being 

monitored by an investment expert with an aim to minimize such risks. 

Tax-free returns: When you withdraw your investment after 3 years, the returns are totally tax free. Yes, you save taxes on both, your initial 

investment and also on the returns. 

Tax deduction(s) available u/s 80C of the Income Tax Act, 1961 is subject to conditions specified therein. 

Investors are requested to note that fiscal laws may change from time to time and there can be no guarantee that the current tax position may continue in the future. 


The Financial Solution (Savings Solution) stated above is ONLY for highlighting the many advantages perceived from investments in Mutual Funds but does not in any manner, indicate or imply, either the 

quality of any particular Scheme or guarantee any specific performance/returns. 

48

Birla Sun Life Tax Relief ‘96 

What is it? 

A fund that provides an opportunity 

to save tax while growing your money 

through Equity investments. 

TAX SAVINGS 

SOLUTIONS 

High Returns High Risk 3 yrs+ Low Liquidity 






Nature of the scheme: An Open-ended ELSS 

Scheme with a lock - in of 

3 years from the date of 

allotment. 


Regular Plan 

Growth (w.e.f. 06/03/08): 11.79 


Direct Plan $ 

Growth: 11.80 











NAV Per 

Unit. * 

(`) 


Life Tax 

Relief ‘96 

(%) 

BSE 200 

# (%) 

S&P CNX 

Nifty ## 

(%) 


Investment Performance - Dividend NAV as on December 31, 2012: ` 82.01 


10000 in 



Relief ‘96 

(`) 

BSE 200 

# (`) 

S&P CNX 

Nifty 

## (`) 

10.00 27.28 12.32 11.27 568713 70190 59932 

61.34 36.54 30.98 27.70 13654 13098 12770 

91.58 -29.62 -26.95 -24.62 7038 7305 7538 

87.85 12.71 16.22 17.95 11271 11622 11795 


Past performance may or may not be sustained in future. Returns assume reinvestment of tax free dividends declared 

at the then prevailing NAV. Load and Taxes are not considered for computation of returns. 





Entry Load: 

Nil 

Exit Load: 

Nil 




Beta: 

0.89 

Note: 








Investors are requested to note that fiscal laws may change from time to time and there can be no guarantee that the current tax 

position may continue in the future. 


$ 






ING Vysya Bank Ltd. 4.22% ICRA Ltd. 3.00% 

ICICI Bank Ltd. 4.19% Housing Development Finance Corporation Ltd. 2.93% 

Tata Consultancy Services Ltd. 3.37% State Bank of India 2.83% 

Bayer Cropscience Ltd. 3.12% Honeywell Automation India Ltd. 2.69% 

49

Birla Sun Life Tax Plan 

What is it? 

A fund that provides an opportunity 

to save tax while growing your money 

through Equity investments. 

TAX SAVINGS 

SOLUTIONS 

High Returns High Risk 3 yrs+ Low Liquidity 






Nature of the scheme: An Open-ended ELSS 

Scheme with a lock - in of 

3 years from the date of 

allotment. 


Regular Plan 

Growth: 

15.24 

Dividend: 

50.21 

Direct Plan $ 

Growth: 

15.26 

Dividend: 

50.26 










NAV Per 

Unit. * 

(`) 


Life Tax Plan 

(%) 

BSE 

SENSEX 

# (%) 

S&P CNX 

Nifty ## 

(%) 


Investment Performance - Dividend NAV as on December 31, 2012: ` 50.61 


10000 in 



Plan (`) 

BSE 

SENSEX 

# (`) 

S&P CNX 

Nifty 

## (`) 

10.00 20.96 13.58 14.02 140283 58581 61840 

37.11 36.38 25.70 27.70 13638 12570 12770 

49.21 -22.86 -24.64 -24.62 7714 7536 7538 

52.86 10.83 17.43 17.95 11083 11743 11795 


Past performance may or may not be sustained in future. Returns assume reinvestment of tax free dividends declared 

at the then prevailing NAV. Load and Taxes are not considered for computation of returns. 



Benchmark: 

BSE SENSEX 


Entry Load: 

Nil 

Exit Load: 

Nil 




Beta: 0.81 

Note: 


Investors are requested to note that fiscal laws may change from time to time and there can be no guarantee that the current tax 


position may continue in the future. 




$ 








ING Vysya Bank Ltd. 4.20% ICRA Ltd. 2.98% 

ICICI Bank Ltd. 4.17% Housing Development Finance Corporation Ltd. 2.91% 

Tata Consultancy Services Ltd. 3.35% State Bank of India 2.81% 

Bayer Cropscience Ltd. 3.11% Honeywell Automation India Ltd. 2.67% 

50

Close Ended Scheme Performance 

Birla Sun Life Capital Protection Oriented Fund - Series 2 

Date of Inception: Jun 10, 2010 

Fund Manager: Mr. Satyabrata 

Mohanty 

NAV (as on 31st December 2012): 

11.3135 








Mohanty 


11.4630 

NAV Per 

Unit. * 

(`) 

NAV Per 

Unit. * 

(`) 


life Capital 

Protection 

Oriented 

Series - 2 

(%) 


life Capital 

Protection 

Oriented 

Series - 4 

(%) 

CRISIL 

MIP 

Blended 

Index # 

(%) 

CRISIL 

Balanced 


Index # (%) 

CRISIL 

1 Year 

T-Bill 

Index ## 

(%) 

CRISIL 1 

Year 

T-Bill 

Index ## 

(%) 


10000 in 


life Capital 

Protection 

Oriented 

Series - 2 

(`) 


10000 in 


life Capital 

Protection 

Oriented 

Series - 4 

(`) 

CRISIL 

MIP 

Blended 

Index # (`) 

CRISIL 

Balanced 


Index # (`) 

CRISIL 1 

Year T-Bill 

Index 

## (`) 

10.0000 4.94 7.24 6.24 11313 11962 11678 

10.2829 10.02 12.12 8.11 11002 11212 10811 


10.1031 1.78 1.72 6.42 10178 10172 10642 



Past performance may or may not be sustained in future. Returns for dividend option would assume reinvestment 

of tax free dividends declared at the then prevailing NAV. Load and Taxes are not considered for computation of 

returns. 

Total Schemes managed by Mr. Satyabrata Mohanty is 16. Refer annexure on page no. 53 for performance of schemes 


The Scheme offered is “oriented towards protection of capital” and “not with guaranteed returns”. The orientation 

towards protection of the capital originates from the portfolio structure of the scheme and not from any bank guarantee, 

insurance cover, etc. 




Mohanty 

NAV (as on 31st December 

2012): 10.9592 



NAV Per 

Unit. * 

(`) 


life Capital 

Protection 

Oriented - 

Series 3 

(%) 

CRISIL 

Balanced 


# (%) 

CRISIL 1 

Year 

T-Bill 

Index ## 

(%) 


10000 in 


life Capital 

Protection 

Oriented - 

Series 3 

(`) 

CRISIL 

Balanced 


# (`) 

CRISIL 1 

Year 

T-Bill 

Index 

## (`) 

10.0000 4.88 5.71 7.29 10959 11127 11450 


10.0052 9.54 21.28 8.11 10954 12128 10811 



Past performance may or may not be sustained in future. Returns for dividend option would assume reinvestment 

of tax free dividends declared at the then prevailing NAV. Load and Taxes are not considered for computation of 

returns. 






CRISIL 1 

Year 

T-Bill 

Index 

## (`) 


10.0000 7.30 5.71 7.29 11463 11127 11450 



10.5471 8.68 21.28 8.11 10868 12128 10811 




tax free dividends declared at the then prevailing NAV. Load and Taxes are not considered for computation of returns. 







Date of Inception: Jun 03, 2011 


Mohanty & Ajay Garg 


11.1714 

NAV Per 

Unit. * 

(`) 


life Capital 

Protection 

Oriented 

- Series 

6 (%) 

CRISIL 

Balanced 


Index # (%) 

CRISIL 1 

Year 

T-Bill 

Index ## 

(%) 


10000 in 


life Capital 

Protection 

Oriented 

- Series 

6 (`) 

CRISIL 

Balanced 


Index # (`) 

CRISIL 1 

Year 

T-Bill 

Index 

## (`) 


10.0000 7.26 6.41 7.75 11171 11032 11252 



10.2921 8.54 21.28 8.11 10854 12128 10811 





Total Schemes Co-Managed by Fund Managers is 4. Total Schemes managed by Mr. Satyabrata Mohanty is 16. Total 

Schemes managed by Mr. Ajay Garg is 13. Refer annexure on page no. 52 to know more on performance of schemes 










11.6612 

NAV Per 

Unit. * 

(`) 


life Capital 

Protection 

Oriented 

- Series 

7 (%) 

CRISIL 

Balanced 


Index # (%) 

CRISIL 1 

Year 

T-Bill 

Index ## 

(%) 


10000 in 


life Capital 

Protection 

Oriented 

- Series 7 (`) 

CRISIL 

Balanced 


Index # (`) 

CRISIL 1 

Year 

T-Bill 

Index 

## (`) 


10.0000 13.15 15.71 8.00 11661 11990 11004 



10.1002 15.46 21.28 8.11 11546 12128 10811 
















11.7634 

NAV Per 

Unit. * 

(`) 


life Capital 

Protection 

Oriented 

- Series 

8 (%) 

CRISIL 

Balanced 


Index # (%) 

CRISIL 1 

Year 

T-Bill 

Index ## 

(%) 


10000 in 


life Capital 

Protection 

Oriented 

- Series 8 (`) 

CRISIL 

Balanced 


Index # (`) 

CRISIL 1 

Year 

T-Bill 

Index 

## (`) 


10.0000 16.02 16.43 8.26 11763 11726 10866 



10.1804 15.55 21.28 8.11 11555 12128 10811 
















10.2622 

NAV Per 

Unit. * 

(`) 


life Capital 

Protection 

Oriented - 

Series 5 

(%) 

CRISIL 

Balanced 


Index # (%) 

CRISIL 1 

Year 

T-Bill 

Index ## 

(%) 


10000 in 


life Capital 

Protection 

Oriented 

- Series 

5 (`) 

CRISIL 

Balanced 


Index # (`) 

CRISIL 1 

Year 

T-Bill 

Index 

## (`) 


10.0000 1.48 4.90 7.29 10262 10878 11317 



9.3637 9.60 21.28 8.11 10960 12128 10811 











Performance details for close ended Capital Protection Oriented Schemes with less than 1 year of existence have not been disclosed. 

51

Fund Manager-wise Scheme Details 

Sr.no 

Funds Managed By Mr. Maneesh Dangi 

Refer 

page No 

1 Birla Sun Life Dynamic Bond Fund 9 

Sr.no 

Funds Managed By Mr. Kaustubh Gupta 

Refer 

page No 

1 Birla Sun Life MIP II - Wealth 25 Plan* 21 

2 Birla Sun Life MIP* 20 

3 Birla Sun Life Monthly Income* 19 

4 Birla Sun Life MIP II - Savings 5 Plan* 22 

5 Birla Sun Life Floating Rate Fund - Long Term Plan# 13 

6 Birla Sun Life Floating Rate Fund - Short Term Plan# 14 

7 Birla Sun Life Ultra Short Term Fund$ 8 

8 Birla Sun Life Savings Fund 7 

9 Birla Sun Life Cash Manager# 6 

10 Birla Sun Life Cash Plus# 5 

* Funds co-managed by Mr. Satyabrata Mohanty 

# Funds co-managed by Ms. Sunaina Da Cunha 

$ Funds co-managed by Mr. Lokesh Mallya 

Sr.no 

Funds Managed By Ms. Sunaina Da Cunha 

Refer 

page No 

1 Birla Sun Life Short Term Opportunities Fund# 17 

2 Birla Sun Life Floating Rate Fund - Long Term Plan* 13 

3 Birla Sun Life Floating Rate Fund - Short Term Plan* 14 

4 Birla Sun Life Cash Manager* 6 

5 Birla Sun Life Cash Plus* 5 

* Funds co-managed by Mr. Kaustubh Gupta 

# Funds co-managed by Mr. Lokesh Mallya 

Sr.no 

Funds Managed By Mr. Lokesh Mallya 

Refer 

page No 

1 Birla Sun Life Short Term Opportunities Fund# 17 

2 Birla Sun Life Ultra Short Term Fund* 8 


# Funds co-managed by Ms. Sunaina Da Cunha 

Sr.no 

Funds Managed By Mr. Ajay Garg 

Refer 

page No 

1 Birla Sun Life Buy India Fund 38 

2 Birla Sun Life MNC Fund 33 

3 Birla Sun Life Tax Relief ‘96 49 

4 Birla Sun Life Tax Plan 50 

5 Birla Sun Life Index Fund 47 

6 

Birla Sun Life Capital Protection Oriented Fund - Series 

8,7,5,6* 

51 

7 Birla Sun Life Enhanced Arbitrage Fund 43 


Sr.no 

Funds Managed By Mr. Prasad Dhonde 

Refer 

page No 

1 Birla Sun Life ‘95 Fund* 24 

2 Birla Sun Life Gilt Plus PF Plan 15 

3 Birla Sun Life Government Securities Fund Long Term Plan 16 

4 Birla Sun Life Income Plus 11 

5 Birla Sun Life Short Term Fund 12 

6 Birla Sun Life Gilt Plus Regular Plan 15 

7 Birla Sun Life Gilt Plus Liquid Plan 15 

8 Birla Sun Life Government Securities Fund Short Term Plan 16 

* Funds co-managed by Mr. Nishit Dholakia 

Sr.no 

Funds Managed By Mr. Rohit Murarka 

Refer 

page No 

1 Birla Sun Life Medium Term Plan 10 

Schemes mentioned in order of performance for the period December 30 2011 - December 31 2012. Due to inherent difference in nature of schemes above (i.e. equity, hybrid, debt schemes) as may be 

managed by Fund Manager, performance of such schemes may not be strictly comparable. Further, for the schemes in existence for less than a year, the past performance details have not been provided. 

Further, performance of Fixed Term Plans (FTPs) / Fixed Maturity Plans (FMP) / Interval Income Schemes are not considered above, as FMPs / FTPs / Interval Income Schemes are close ended / interval 

schemes of varying maturities and performance of such schemes may not be strictly comparable with open ended schemes managed by Fund Managers. 

Sr.no 

Funds Managed By Mr. Mahesh Patil 

Refer 

page No 

1 Birla Sun Life Top 100 Fund 26 

2 Birla Sun Life Frontline Equity Fund 25 

3 Birla Sun Life Infrastructure Fund* 35 

4 Birla Sun Life Long Term Advantage Fund 29 

* Funds co-managed by Mr. Naysar Shah 

Sr.no 

Funds Managed By Mr. Satyabrata 

Mohanty 

Refer 

page No 

1 Birla Sun Life Advantage Fund 28 

2 Birla Sun Life Asset Allocation Fund Aggressive Plan# 42 

3 Birla Sun Life Asset Allocation Fund Moderate Plan# 42 

4 Birla Sun Life MIP II - Wealth 25 Plan* 21 

5 Birla Sun Life Capital Protection Oriented Fund - Series 8,7$ 51 

6 Birla Sun Life Asset Allocation Fund Conservative Plan# 42 

7 Birla Sun Life MIP* 20 

8 Birla Sun Life Monthly Income* 19 

9 Birla Sun Life MIP II - Savings 5 Plan* 22 

10 Birla Sun Life Capital Protection Oriented Fund - Series 5,6$ 51 

10 Birla Sun Life Capital Protection Oriented Fund - Series 2,3,4 51 


# Funds co-managed by Mr. Vineet Maloo 

$ Funds co-managed by Mr. Ajay Garg 

Sr.no 

Funds Managed By Mr. Nishit Dholakia 

Refer 

page No 

1 Birla Sun Life Pure Value Fund 30 

2 Birla Sun Life Dividend Yield Plus 34 

3 Birla Sun Life ‘95 Fund* 24 

* Funds co-managed by Mr. Prasad Dhonde 

Sr.no 

Sr.no 

Funds Managed By Mr. Vineet Maloo 

Funds Managed By Mr. Sanjay Chawla 

Refer 

page No 

1 Birla Sun Life International Equity Fund - Plan B 46 

2 Birla Sun Life Asset Allocation Fund Aggressive Plan* 42 

3 Birla Sun Life Asset Allocation Fund Moderate Plan* 42 

4 Birla Sun Life International Equity Fund - Plan A 45 

5 Birla Sun Life Commodity Equities Fund Global Agri Plan 44 

6 Birla Sun Life Asset Allocation Fund Conservative Plan* 42 

7 

Birla Sun Life Commodity Equities Fund Global Multi 

Commodities Plan 

44 

8 

Birla Sun Life Commodity Equities Fund Global Precious 

Metals Plan 

44 


Sr.no 

Funds Managed By Mr. Naysar Shah 

Refer 

page No 

1 Birla Sun Life Infrastructure Fund* 35 

2 Birla Sun Life India Reforms Fund 36 

3 Birla Sun Life India Opportunities Fund 40 

4 Birla Sun Life New Millennium Fund 41 

* Funds co-managed by Mr. Mahesh Patil 

Sr.no 

Funds Managed By Mr. Anil Shah 

Refer 

page No 

1 Birla Sun Life Equity Fund 27 

2 Birla Sun Life Special Situations Fund 39 

Refer 

page No 

1 Birla Sun Life India GenNext Fund 37 

2 Birla Sun Life Midcap Fund 31 

3 Birla Sun Life Small & Midcap Fund 32 

52

Funds at a Glance 


SCHEME 

PLAN/OPTION 

(which continue for fresh 

subscription) 

DEFAULT OPTION** 

MINIMUM 

INVESTMENT 

AMOUNT 

EXIT LOAD 

For redemption-switch out consider from the date of allotment. 

PLAN^ 

OPTION 


Regular Plan 

Direct Plan 

Daily Dividend (Payout / Reinvestment) 

Daily Dividend Reinvestment 

Weekly Dividend (Payout / Reinvestment) FP: ` 5,000/- 

Dividend (Payout / Reinvestment) AP: ` 1,000/- 

Growth 

Nil 

Birla Sun Life Cash Manager Regular Plan Daily Dividend (Reinvestment) Daily Dividend Reinvestment FP: ` 5,000/- 

Direct Plan 

Weekly Dividend (Reinvestment) AP: ` 1,000/- 

Growth 

Nil 

Birla Sun Life Savings Fund Regular Plan Daily Dividend (Reinvestment) 

Weekly Dividend (Payout / Reinvestment) 

Direct Plan 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 

Nil 

Birla Sun Life Ultra Short Term Fund Regular Plan 

Direct Plan 

Daily Dividend (Reinvestment) 

Weekly Dividend (Payout / Reinvestment) 

Fortnightly Dividend (Payout / Reinvestment) 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 

Nil 


Regular Plan 

Direct Plan 

Monthly Dividend Sweep 

Monthly Dividend (Payout / Reinvestment /Sweep) 

Quarterly Dividend (Payout / Reinvestment /Sweep) 

• Choice of Option : Quarterly Dividend 

• Choice of Sub-Option : Dividend 

Reinvestment 

FP: ` 5,00,000/- 

FP: ` 5,000/- 

FP: ` 5,000/- 

AP: ` 1,000/- 

AP: ` 1,000/- 

AP: ` 1,000/- 

Growth FP: ` 5,000/- AP: ` 1,000/- 

Within 180 days: 0.50% of applicable NAV. After 180 days: Nil. 


Regular Plan 

Direct Plan 

Quarterly Dividend (Payout / Reinvestment) 

Half Yearly Dividend (Payout / Reinvestment) 

Dividend (Payout / Reinvestment /Sweep) 

Growth 

Growth 

FP: ` 5,000/- 

AP: ` 1,000/- 

For redemption / switch-out of units within 365 days from the date of allotment: 

2.00% of applicable NAV. For redemption / switch-out of units after 365 days 

but before 730 days from the date of allotment: 1.00% of applicable NAV. For 

redemption / switch-out of units after 730 days from the date of allotment: Nil. 

Birla Sun Life Floating Rate Fund - 

Long Term Plan 

Regular Plan 

Direct Plan 


Weekly Dividend (Reinvestment) 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 

Nil 

Birla Sun Life Floating Rate Fund - 


Regular Plan 

Direct Plan 


Weekly Dividend (Reinvestment) 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 

Nil 


Regular Plan 

Direct Plan 

Dividend (Payout / Reinvestment) 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 


1.00% of applicable NAV. For redemption / switch-out of units after 365 days from 



(Erstwhile Birla Sun Life Income Fund) 

Regular Plan 

Direct Plan 

Monthly Dividend (Payout/Reinvestment/Sweep) 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 

within 30 days/0.50% of applicable NAV 

Birla Sun Life Gilt Plus - Regular Plan Regular Plan Quarterly Dividend (Payout / Reinvestment /Sweep) 

Direct Plan 

Growth 

Birla Sun Life Gilt Plus - Liquid Plan Regular Plan Quarterly Dividend (Payout / Reinvestment /Sweep) 

Annual Dividend (Payout / Reinvestment /Sweep) 

Direct Plan 

Growth 

Growth 

FP: ` 5,000/- 

AP: ` 1,000/- 

For Liquid Plan, Regular Plan & PF Plan (Quarterly/Annual Div) Nil For PF Plan 

(Growth) within 365 days/1% of applicable NAV. 

Birla Sun Life Gilt Plus - PF Plan Regular Plan Quarterly Dividend (Payout / Reinvestment /Sweep) 

Direct Plan 

Growth (Quarterly Gain / Annual Gain) 

Birla Sun Life Government Securities 

Fund- Long Term Plan 

Birla Sun Life Government Securities 

Fund- Short Term Plan 

Birla Sun Life Enhanced Arbitrage 


Birla Sun Life Short Term 

Opportunities Fund 

Regular Plan 

Direct Plan 

Regular Plan 

Direct Plan 

Regular Plan 

Direct Plan 

Regular Plan 

Direct Plan 


Growth 


Growth 


Growth 

Quarterly Dividend (Payout / Reinvestment) 


Growth 

Growth FP: ` 5,000/- 

AP: ` 1,000/- 

Growth 

FP: ` 5,000/- 

AP: ` 1,000/- 

Dividend Reinvestment FP: ` 5,000/- 

AP: ` 1,000/- 

Growth 

FP: ` 5,000/- 

AP: ` 1000/- 

within 365 days/1.00% of applicable NAV. 

Nil 

before 90 days/0.75% of applicable NAV.after 90 days to 180days/0.50% of 

applicable NAV.after 180 days/Nil of applicable NAV. 



^Direct Plan under the Schemes is only for investors who purchase /subscribe Units in a Scheme directly with the Mutual Fund and is not available for investors who route their 

investments through a Distributor. 

**Default Plan: In case Distributor code is mentioned in the application form, but “Direct Plan” is indicated against the Scheme name, the Distributor code will be ignored and the 

application will be processed under Direct Plan. Further, where application is received for Regular Plan without Distributor code or “Direct” mentioned in the ARN Column, the application 

will be processed under Direct Plan.The default option under the Regular or Direct Plan of the Scheme, as the case maybe, shall be applied accordingly. 

The Financial Solution(s) stated above is ONLY for highlighting the many advantages perceived from investments in Mutual Funds but does not in any manner, indicate or imply, either 

the quality of any particular Scheme or guarantee any specific performance/returns. 

53


LIST OF PLANS/OPTIONS DISCONTINUED FOR FURTHER SUBSCRIPTIONS W.E.F OCTOBER 01, 2012 

SCHEME PLAN OPTION EXIT LOAD 

For redemption-switch out consider from the date 

of allotment. 

Birla Sun Life Cash Plus Retail Plan Daily Dividend 

Growth 

Daily Dividend 


Weekly Dividend 

Growth 





Growth 

Nil 

Nil 


Retail Plan 



Growth 

Nil 


Retail Plan 


Fortnightly Dividend 

Growth 

Nil 



Quarterly Dividend 

Half Yearly Dividend 

Dividend 

Growth 

For redemption / switch-out of units within 365 days from the date 

of allotment: 2.00% of applicable NAV. For redemption / switchout 

of units after 365 days but before 730 days from the date of 

allotment: 1.00% of applicable NAV. For redemption / switch-out of 

units after 730 days from the date of allotment: Nil. 

Birla Sun Life Floating Rate Fund - Short Term Plan 

Retail Plan 



Growth 

Nil 

Birla Sun Life Floating Rate Fund - Long Term Plan 

Retail Plan 


Growth 

Nil 

Birla Sun Life Government Securities Fund - Short Term Plan 




Dividend 

Growth 

Nil 

Birla Sun Life Enhanced Arbitrage Fund 

Institutional Plan* 

Dividend 

Growth 

before 90 days/0.75% of applicable NAV. 

after 90 days to 180days/0.50% of applicable NAV. 

after 180 days/Nil of applicable NAV. 

Birla Sun Life Short Term Opportunities Fund 



Dividend 

Growth 

For redemption / switch-out of units within 365 days from the 

date of allotment: 0.50% of applicable NAV. 

*Pursuant to SEBI Circular No. CIR/IMD/DF/21/2012 dated September 13, 2012 the aforesaid plans/options under respective scheme(s) stand discontinued for further 

subscriptions w.e.f October 01, 2012. The existing investments, if any, under above plan/option shall continue till such investors remain invested in the said plan/option. 

*Said Plans/Options stand discontinued and closed as there are no Unitholders thereunder. 



54


REGULAR INCOME SOLUTIONS 

SCHEME PLAN/ OPTION DEFAULT OPTION** MINIMUM 

INVESTMENT 

PLAN^ 

OPTION 

AMOUNT 


Regular Plan 

Direct Plan 


Quarterly Dividend (Payout/Reinvestment/Sweep) 

Growth 

• Choice of Plan : Growth 

• Choice of Option within Monthly Dividend : 


• Choice of Plan within Quarterly Dividend : 


FP: ` 25,000/- 

AP: ` 5,000/- 

FP: ` 5,000/- 

AP: ` 1,000/- 

EXIT LOAD 

For redemption-switch out consider 


within 365 days/1% of applicable NAV. 


Regular Plan 

Direct Plan 


Monthly Payment (Instant / Deferred) 

Growth 

• Choice of Option within Monthly Dividend : 


• Choice of Option within Monthly Payment 

Plan : Instant 

FP: Dividend & Payment 

Option ` 25,000/- 

Growth: ` 5,000/- 

AP: ` 1,000/- 


Birla Sun Life MIP II - Savings 5 Plan Regular Plan Monthly Dividend (Payout / Reinvestment /Sweep) 

Monthly Payment 

Direct Plan 

Growth 

Birla Sun Life MIP II - Wealth 25 Plan Regular Plan Monthly Dividend (Payout / Reinvestment /Sweep) 

Monthly Payment 

Direct Plan 

Growth 

• Choice of Option : Growth 

• Choice of Sub-Option within Monthly Dividend 

Option : Dividend Reinvestment 

FP: Dividend & Payment 

Option ` 25,000/- 

Growth ` 5,000/- 

AP: ` 1,000/- 








TAX SAVINGS SOLUTIONS 


INVESTMENT 

PLAN^ 

OPTION 

AMOUNT 

EXIT LOAD 



Birla Sun Life Tax Relief ‘96 Regular Plan Dividend (Payout/Reinvestment/Sweep) 

Direct Plan 

Growth 

Dividend Payout 

FP: ` 500/- 

A : ` 500/- 

Nil 

Birla Sun Life Tax Plan Regular Plan Dividend (Payout/Reinvestment/Sweep) 

Direct Plan 

Growth 







FP: ` 500/- 

AP: ` 500/- 

Nil 

WEALTH CREATION SOLUTIONS 

LIST OF PLANS/OPTIONS DISCONTINUED FOR FURTHER SUBSCRIPTIONS W.E.F OCTOBER 01, 2012 

SCHEME PLAN OPTION EXIT LOAD 

For redemption-switch out consider from the date 

of allotment. 

Birla Sun Life Dividend Yield Plus* 

PF Plan* 

Dividend 

Growth 


Birla Sun Life Commodity 

Equities Fund (Global Agri Plan, Global Precious Metals Plan, 

Global Multi Commodity Plan) 

Institutional Plan* 

Dividend 

Growth 


after 30 days but before 365 days/1% of applicable NAV. 

*Pursuant to SEBI Circular No. CIR/IMD/DF/21/2012 dated September 13, 2012 the aforesaid plans/options under respective scheme(s) stand discontinued for further subscriptions 

w.e.f October 01, 2012. The existing investments, if any, under above plan/option shall continue till such investors remain invested in the said plan/option. 

*Said Plans/Options stand discontinued and closed as there are no Unitholders thereunder. 



55




INVESTMENT 

PLAN^ 

OPTION 

AMOUNT 

Birla Sun Life Equity Fund Regular Plan Dividend (Payout/Reinvestment/Sweep) Dividend Reinvestment FP: ` 5,000/- 

AP: ` 1,000/- 

Direct Plan 

Growth 

Birla Sun Life Advantage Fund Regular Plan Dividend (Payout/Reinvestment/Sweep) Dividend Reinvestment FP: ` 5,000/- 

AP: ` 1,000/- 

Direct Plan 

Growth 

EXIT LOAD 





Birla Sun Life Midcap Fund Regular Plan Dividend (Dividend / Reinvestment / Sweep) 

Direct Plan Growth (Growth with Triggered Facility) 


FP: ` 5,000/- 

AP: ` 1,000/- 


Birla Sun Life Frontline Equity Fund Regular Plan Dividend (Dividend / Growth / Sweep) 

Direct Plan 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 


Birla Sun Life Infrastructure Fund Regular Plan Dividend (Dividend / Growth / Sweep) 

Direct Plan 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 


Birla Sun Life India GenNext Fund Regular Plan Dividend (Payout/Reinvestment/Sweep) 

Direct Plan 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 


Birla Sun Life New Millennium Fund Regular Plan Dividend (Payout/Reinvestment/Sweep) 

Direct Plan 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 


Birla Sun Life Top 100 Fund Regular Plan Dividend (Payout/Reinvestment/Sweep) 

Direct Plan 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 

within 365 Days/1% of applicable NAV. 

Birla Sun Life Buy India Fund Regular Plan Dividend (Payout/Reinvestment/Sweep) 

Direct Plan 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 


Birla Sun Life MNC Fund Regular Plan Dividend (Payout/Reinvestment/Sweep) 

Direct Plan 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 


Birla Sun Life Index Fund Regular Plan Dividend (Payout/Reinvestment/Sweep) 

Direct Plan 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 


Birla Sun Life India 

Opportunities Fund 

Regular Plan 

Direct Plan 

Dividend (Payout/Reinvestment/Sweep) 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 


Birla Sun Life Small & Midcap Fund Regular Plan Dividend (Payout / Reinvestment) 

Direct Plan 

Growth 


FP: ` 5,000/- 

AP : ` 1,000/- 


Birla Sun Life India Reforms Fund Regular Plan Dividend (Payout / Reinvestment) 

Direct Plan 

Growth 


FP: ` 5,000/- 

AP : ` 1,000/- 

within 1 year/1% of applicable NAV. 

Birla Sun Life Dividend Yield Plus Regular Plan Dividend (Payout/Reinvestment/Sweep) 

Direct Plan 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 


Birla Sun Life ‘95 Fund Regular Plan Dividend (Payout/Reinvestment/Sweep) 

Direct Plan 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 


Birla Sun Life Asset Allocation Fund - 

Aggressive Plan 

Regular Plan 


Moderate Plan 


Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 

Nil 


Conservative Plan 

Direct Plan 

Birla Sun Life Special Situations Fund Regular Plan Dividend (Payout/Reinvestment/Sweep) 

Direct Plan 

Growth 


• Choice of Option : Reinvestment 

FP: ` 5,000/- 

AP: ` 1,000/- 


Birla Sun Life Commodity Equities Fund 

(Global Agri Plan, Global Precious Metals Plan, 

Global Multi Commodity Plan) 

Regular Plan 

Direct Plan 


Growth 

Growth / Reinvestment 

FP: ` 5,000/- 

AP: ` 1,000/- 


after 30 days but before 365 days/1% of applicable 

NAV. 

Birla Sun Life International Equity Fund (Plan A) Regular Plan Dividend (Payout/Reinvestment/Sweep) 

Direct Plan 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 

Nil 

Birla Sun Life International Equity Fund (Plan B) Regular Plan Dividend (Payout/Reinvestment/Sweep) 

Direct Plan 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 


Birla Sun Life Pure Value Fund Regular Plan Dividend (Payout/Reinvestment) 

Direct Plan 

Growth 


• Choice of Option : Reinvestment 

FP : ` 5,000/- 

AP : ` 1,000/- 


Birla Sun Life Long Term 

Advantage Fund 

Regular Plan 

Direct Plan 

Dividend (Payout/Reinvestment) 

Growth 


FP: ` 5,000/- 

AP: ` 1,000/- 









56

Investment Objective 










(Erstwhile Birla Sun Life Income 

Fund) 

Name change (w.e.f. 01 Feb, 2012) 

Birla Sun Life Floating Rate Fund 


Birla Sun Life Gilt Plus 

Birla Sun Life Government 

Securities Fund 

Birla Sun Life Enhanced Arbitrage 


Birla Sun Life Short Term 

Opportunties Fund 

An Open-ended liquid scheme with the objective to provide reasonable returns at a high level of safety and liquidity through judicious investments in 

high quality debt and money market instruments. 

An Open ended Income scheme with the objective to provide income which is consistent with a portfolio through investments in a basket of debt and 

money market instruments of very short maturities with a view to provide reasonable returns. 

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe 

generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal 

market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. 

An Open-ended short term income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a 

diversified portfolio of debt and money market securities with relatively low levels of interest rate risk. 

An Open-ended income scheme with the objective to generate optimal returns with high liquidity through active management of the portfolio by investing 

in high quality debt and money market instruments. 

The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to 

make regular dividend payments to unit holders & secondary objective is growth of capital. 

An Open-ended Income Scheme to generate consistent income through superior yields on its investments at moderate levels of risk through a 

diversified investment approach. This income may be complemented by price changes of instruments in the portfolio. 

An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio 

of debt and money market securities. 

The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / 

money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments. 

An Open - ended government securities scheme with the objective to generate income and capital appreciation through investments exclusively in 

Government Securities. 

An Open-ended Gilt scheme with the objective to provide investors current income consistent with a portfolio invested 100% in securities issued by the 

Government of India or the State Governments, and the secondary objective is capital appreciation. 

An Open ended Equity Scheme with an investment objective to generate income by investing predominantly in equity and equity related instruments. 

Scheme intends to take advantage from the price differentials / mis-pricing prevailing for stock / index in various market segments (Cash & Futures). 

An Open ended Income scheme with the objective to generate regular income by investing primarily in investment grade fixed income securities / money 

market instruments with short to medium term maturities and across the credit spectrum within the universe of investment grade rating. 




Birla Sun Life MIP II - Wealth 25 

Plan 

Birla Sun Life MIP II - Savings 5 

Plan 

An Open-ended income scheme with the primary investment objective to generate regular income so as to make monthly and quarterly distributions to 

Unit holders and the secondary objective as growth of capital. Monthly income is not assured and is subject to availability of distributable surplus 

The primary objective of the scheme is to generate regular income so as to make monthly distributions to unit holders with the secondary objective 

being growth of capital. Income may be generated through the receipt of coupon payments, the amortization of the discount on debt instruments, receipt 

of dividends or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets 

primarily in fixed income securities, money market instruments, cash and cash equivalents while at the same time maintaining a small exposure to 

equity markets. (Monthly income is not assured and is subject to availability of distributable surplus.) 

An Open-ended income scheme with the objective to generate regular income so as to make monthly payment or distribution to unit holders with the 

secondary objective being growth of capital. Monthly Income is not assured and is subject to availability of distributable surplus. 

An Open-ended income scheme with the objective to generate regular income so as to make monthly payment or distribution to unit holders with the 

secondary objective being growth of capital. Monthly Income is not assured and is subject to availability of distributable surplus. 


Birla Sun Life Tax Relief ‘96 An Open-ended equity linked savings scheme (ELSS) with the objective of long term growth of capital through a portfolio with a target allocation of 80% 

equity, 20% debt and money market securities 


An Open-ended Equity Linked Savings Scheme (ELSS) with the objective to achieve long-term growth of capital along with income tax relief for 

investment. 



57

Investment Objective 






Birla Sun Life Infrastructure Fund 










Birla Sun Life Asset Allocation Fund 

Birla Sun Life Special Situations Fund 

Birla Sun Life Commodity Equities 


Birla Sun Life International Equity 

Fund - Plan A 

Birla Sun Life International Equity 

Fund - Plan B 

Birla Sun Life Small & Midcap Fund 

Birla Sun Life India Reforms Fund 


Birla Sun Life Long Term Advantage 


An Open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 90% equity and 10% debt 

and money market securities. 

An Open-ended growth scheme with the objective to achieve long-term growth of capital at relatively moderate levels of risk through a diversified 

research based investment approach. 

An Open ended Growth Scheme with the objective to achieve long term growth of capital at controlled level of risk by investing primarily in ‘Mid-Cap’ 

Stocks. The level of risk is somewhat higher than a fund focused on large and liquid stocks. Concomitantly, the aim is to generate higher returns than 

a fund focused on large and liquid stocks. 

An Open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity by aiming at 

being as diversified across various industries and or sectors as its chosen benchmark index, BSE 200. 

An Open-ended growth scheme with the objective to providing for medium to long-term capital appreciation by investing predominantly in a diversified 

portfolio of equity and equity related securities of companies that are participating in the growth and development of Infrastructure in India. 

An Open-ended growth scheme with the objective to target growth of capital by investing in equity/equity related instruments of companies that are 

expected to benefit from the rising consumption patterns in India, which in turn is getting fuelled by high disposable incomes of the young generation 

(Generation Next). The scheme will invest in companies that have the following characteristics: 1. Companies that seek growth in revenues arising out 

of demand from the younger generation (GenNext) for their products or services. 2. They should be engaged in manufacturing of products or rendering 

of services that go directly to the consumer. 3. The products and services should have distinct brand identity, thereby enabling choice. 

A multi-sector open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, 

focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet 

and e-commerce and other technology enabled companies. The secondary objective is income generation and distribution of dividend. 

An Open-ended growth scheme with the objective to provide medium to long term capital appreciation, by investing predominantly in a diversified 

portfolio of equity and equity related securities of top 100 companies as measured by market capitalization. 

A multi-sector open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, 

focusing on investing in businesses that are driven by India’s large population and inherent consumption patterns. The focus of the scheme will be in 

the consumer and healthcare sectors. The secondary objective is income generation and distribution of dividend. 

An Open-ended growth scheme with the objective to achieve long-term growth of capital at relatively moderate levels of risk by making investments in 

securities of multi-national companies through a research based investment approach. 

An Open-ended index-linked growth scheme with the objective to generate returns commensurate with the performance of Nifty subject to tracking 

errors. 

An Open ended Growth Scheme with the objective to achieve superior long-term growth of capital by investing in shares of companies that do one or 

more of the following: 1. Leverage India’s intellectual capital for providing services, research and creative inputs. 2. Seek to use current and impending 

changes in patent laws / import tariffs / quotas to supply goods and services. 3. Leverage India’s lower labour costs for providing services and 

manufactured goods. 4. Leverage India’s large population of English speaking people for providing services. 

An Open-ended growth scheme with the objective to provide capital growth and income by investing primarily in a well-diversified portfolio of dividend 

paying companies that have a relatively high dividend yield. 

An Open ended Balanced Scheme with the objective to generate long term growth of capital and current income, through a portfolio with a target 

allocation of 60% equity and 40% debt and money market securities. The secondary objective is income generation and distribution of dividend. 

An Open-ended Fund of Funds scheme with the objective to provide income and capital appreciation along with diversification by investing in a basket 

of debt and equity Mutual Fund schemes in line with the risk profile of the investors. 

An Open-ended diversified equity scheme with an objective of the scheme is to generate long-term growth of capital by investing in a portfolio of equity 

and equity related securities. The Scheme would follow an investment strategy that would take advantage of Special Situations & Contrarian investment 

style. 

An Open ended Growth Scheme with the objective to offer long term growth of capital, by investing in (1) stocks of commodity companies, i.e., 

companies engaged in or focusing on the specified commodity business and/or (2) overseas mutual fund scheme(s), that have similar investment 

objectives. These securities could be issued in India or overseas. 

An Open-ended diversified equity scheme with an objective to generate long-term growth of capital, by investing predominantly in a diversified portfolio 

of equity and equity related securities in the international markets. 

An Open-ended diversified equity scheme with an objective to generate long-term growth of capital, by investing predominantly in a diversified portfolio 

of equity and equity related securities in the domestic and international markets. 

An Open ended Small and Mid Cap Equity Scheme with an objective to generate consistent long-term capital appreciation by investing predominantly 

in equity and equity related securities of companies considered to be small and midcap. The Scheme may also invest a certain portion of its corpus in 

fixed income securities including money market instruments, in order to meet liquidity requirements from time to time. 

An Open ended Equity Scheme with an investment objective is to generate growth and capital appreciation by building a portfolio of companies that are 

expected to benefit from the economic reforms, PSU divestment and increased government spending. 

An Open ended Diversified Equity Scheme with the objective to generate consistent long-term capital appreciation by investing predominantly in equity 

and equity related securities by following value investing strategy. 

An Open ended Diversified Equity Scheme with an to provide long-term capital appreciation, by investing predominantly in a diversified portfolio of 

equity and equity related securities. 

The Financial Solution(s) stated above is ONLY for highlighting the many advantages perceived from investments in Mutual Funds but does not in any manner, indicate or imply, 

either the quality of any particular Scheme or guarantee any specific performance/returns. 

58

Dividend History (For select Schemes) 


DEBT Schemes Declared on date Face Value 

Non Corporate 

Dividend # 

(` per unit) 

Corporate 

Dividend # 

(` per unit) 

Cum Dividend NAV # 

(` per unit) 

Birla Sun Life Savings Fund – Institutional 

Monthly Dividend 

Birla Sun Life Savings Fund – Retail Monthly 

Dividend 

Birla Sun Life Ultra Short Term Fund - Monthly 

Dividend 

11-Feb-11 

28-Jan-11 

31-Dec-10 

11-Feb-11 

28-Jan-11 

31-Dec-10 

11-Feb-11 

31-Jan-11 

31-Dec-10 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

0.0350 

0.0497 

0.0587 

0.0350 

0.0469 

0.0529 

0.0250 

0.0660 

0.0532 

0.0287 

0.0607 

0.0547 

0.0287 

0.0573 

0.0493 

0.0205 

0.0540 

0.0496 

10.3099 

10.3384 

10.3413 

10.2848 

10.3108 

10.3105 

10.8068 

10.8474 

10.8361 

Birla Sun Life Dynamic Bond Fund – Retail 

Monthly Dividend - Regular Plan 

28-Jan-13 10.00 0.1294 0.0977 10.6652 


Monthly Dividend - Direct Plan 

28-Jan-13 10.00 0.1294 0.0977 10.6683 



Birla Sun Life Income Plus Dividend 

31-Dec-12 

28-Sep-12 

29-Jun-12 

17-Dec-12 

17- Sep-12 

15-Jun-12 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

0.2275 

0.2999 

0.2862 

0.2770 

0.2865 

0.3695 

0.1718 

0.2264 

0.2161 

0.2091 

0.2163 

0.2790 

11.6264 

11.6700 

11.6197 

12.6401 

12.6286 

12.7251 

Birla Sun Life Short Term Fund - Monthly 

Dividend - Regular Plan 

15-Jan-13 10.00 0.1011 0.0763 11.7351 

Birla Sun Life Short Term Fund - Monthly 

Dividend - Direct Plan 

15-Jan-13 10.00 0.1011 0.0763 11.7357 

Birla Sun Life Short Term Fund- Half Yearly 

Dividend 

Birla Sun Life Short Term Fund - Quarterly 

Dividend 

Birla Sun Life Gilt Plus - Liquid Plan – 


Birla Sun Life Gilt Plus - PF Plan Quarterly 

Dividend 

Birla Sun Life Gilt Plus - Regular Plan 


Birla Sun Life Government Securities Fund - 

Long Term Dividend 

Birla Sun Life Government Securities Fund - 

Short Term Dividend 

15-Mar-10 

16-Mar-09 

17-Mar-08 

15-Dec-11 

15-Sep-11 

15-Jun-11 

17-Dec-12 

15-Jun-12 

15-Mar-12 

17-Dec-12 

17-Sep-12 

15-Jun-12 

17-Dec-12 

17-Sep-12 

15-Jun-12 

17-Sep-12 

15-Mar-12 

15-Sep-11 

29-Feb-12 

15-Dec-10 

15-Sep-10 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

Note: The NAV of the scheme, pursuant to pay out of dividend would fall to the extent of the payout and statutory levy (if applicable). Past performance may or may not be sustained in future. 

0.2453 

0.4467 

0.4752 

0.1131 

0.0856 

0.1443 

0.4325 

0.1335 

0.1311 

0.2787 

0.2900 

0.0762 

0.2431 

0.2546 

0.1990 

0.6397 

0.3910 

0.3960 

0.0016 

0.1108 

0.1120 

0.2283 

0.4158 

0.4423 

0.0854 

0.0646 

0.1090 

0.3265 

0.1008 

0.0990 

0.2104 

0.2190 

0.0575 

0.1835 

0.1922 

0.1503 

0.4830 

0.2952 

0.2990 

0.0022 

0.1032 

0.1044 

11.5557 

11.9496 

11.6359 

11.6606 

11.6201 

11.4526 

11.0832 

10.7964 

10.7187 

11.4542 

11.4648 

11.3321 

12.4456 

12.4445 

12.5520 

11.9539 

11.7999 

11.5941 

10.0031 

10.2407 

10.2297 


DEBT Schemes Declared on date Face Value 

Non Corporate 

Dividend # 

(` per unit) 

Corporate 

Dividend # 

(` per unit) 

Cum Dividend NAV # 

(` per unit) 

Birla Sun Life Monthly Income - Monthly 

Dividend - Regular Plan 

31-Jan-13 

31-Dec-12 

30-Nov-12 

10.00 

10.00 

10.00 

0.0775 

0.0773 

0.0742 

0.0585 

0.0584 

0.0560 

11.5824 

11.5599 

11.5223 

Birla Sun Life Monthly Income - Monthly 

Dividend - Direct Plan 

31-Jan-13 10.00 0.0775 0.0585 11.5875 

Birla Sun Life Monthly Income - Quarterly 

Dividend 

Birla Sun Life MIP - Monthly Dividend Plan 

- Regular Plan 

Birla Sun Life MIP II - Wealth 25 Plan Monthly 

Dividend Plan - Regular Plan 

Birla Sun Life MIP II - Savings 5 Plan Monthly 

Dividend Plan - Regular Plan 

31-Dec-12 

28-Sep-12 

29-Jun-12 

28-Jan-13 

28-Dec-12 

30-Nov-12 

28-Jan-13 

28-Dec-12 

30-Nov-12 

28-Jan-13 

28-Dec-12 

30-Nov-12 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

10.00 

0.2160 

0.2055 

0.1840 

0.0780 

0.0703 

0.0798 

0.0788 

0.0708 

0.0794 

0.0791 

0.0714 

0.0815 

0.1631 

0.1552 

0.1389 

0.0589 

0.0531 

0.0603 

0.0595 

0.0535 

0.0599 

0.0597 

0.0539 

0.0615 

12.2637 

12.1821 

11.9610 

11.6851 

11.6198 

11.6141 

11.7869 

11.7434 

11.6905 

11.9019 

11.7945 

11.7927 

Birla Sun Life MIP II - Savings 5 Plan Monthly 

Dividend Plan - Direct Plan 

28-Jan-13 10.00 0.0791 0.0597 11.9064 




59

Dividend History (For select Schemes) 


EQUITY SCHEMES Declared on date Dividend # (` per unit) Face value (`) Cum Dividend NAV (` per unit) 


24-Aug-12 

20-May-11 

15-Oct-10 

3.00 

3.00 

5.00 

10.00 

10.00 

10.00 

60.89 

65.69 

82.36 


25-May-12 

04-Feb-11 

06-Aug-10 

4.00 

4.50 

7.00 

10.00 

10.00 

10.00 

66.98 

81.17 

93.39 


22-Jun-12 

14-Jan-11 

16-Jul-10 

1.50 

2.00 

1.50 

10.00 

10.00 

10.00 

19.97 

24.29 

26.01 


09-Nov-12 

27-Apr-12 

04-Feb-11 

0.50 

1.00 

1.25 

10.00 

10.00 

10.00 

21.29 

19.71 

21.65 


22-Jun-12 

14-Jan-11 

16-Jul-10 

1.00 

1.00 

1.00 

10.00 

10.00 

10.00 

14.01 

14.39 

14.97 


09-Sep-10 

26-Feb-10 

23-Sep-09 

0.85 

0.75 

1.00 

10.00 

10.00 

10.00 

14.16 

13.49 

14.02 

Birla Sun Life Top 100 Fund - Regular Plan 

31-Jan-13 

22-Jun-12 

20-May-11 

1.00 

1.00 

0.80 

10.00 

10.00 

10.00 

14.95 

13.37 

14.53 


21-Sep-12 

29-Apr-11 

09-Sep-10 

1.00 

1.75 

1.75 

10.00 

10.00 

10.00 

22.81 

23.75 

27.83 


09-Nov-12 

27-Apr-12 

25-Feb-11 

4.00 

5.00 

5.25 

10.00 

10.00 

10.00 

89.21 

86.83 

76.71 

Birla Sun Life Index Fund - Regular Plan 

31-Jan-13 

23-Mar-07 

3-Feb-04 

2.00 

6.50 

1.65 

10.00 

10.00 

10.00 

22.76 

21.83 

11.99 

Birla Sun Life Index Fund - Direct Plan 31-Jan-13 2.00 10.00 22.77 


09-Nov-12 

25-Feb-11 

27-Aug-10 

0.75 

1.25 

1.25 

10.00 

10.00 

10.00 

16.29 

17.38 

19.28 


20-Jul-12 

13-Feb-12 

17-Jun-11 

0.50 

0.50 

0.60 

10.00 

10.00 

10.00 

12.49 

13.20 

13.73 


13-Feb-12 

29-Apr-11 

15-Oct-10 


5.00 

6.50 

7.50 

10.00 

10.00 

10.00 

105.20 

114.40 

124.32 


EQUITY SCHEMES Declared on date Dividend # (` per unit) Face value (`) Cum Dividend NAV (` per unit) 


31-Mar-11 

12-Mar-10 

31-Aug-09 

4.00 

7.00 

4.00 

10.00 

10.00 

10.00 

82.85 

85.21 

78.56 


20-May-11 

17-Sep-10 

12-Mar-10 


1.00 

2.00 

7.50 

10.00 

10.00 

10.00 

45.13 

50.69 

51.60 



60

Industry Allocation 


Birla Sun Life Enhanced 

Arbitrage Fund 

Allocation as a % 

of Net Assets % 

Banks 29.78% 

Retailing 16.67% 

Power 8.65% 

Software 8.39% 

Industrial Capital Goods 7.18% 

Future and Options -71.15% 

Cash & Cash Equivalents 15.11% 

Net receivables / payables 85.38% 

Total Net Assets 100% 





Banks 20.53% 


Finance 8.61% 

Pharmaceuticals 7.44% 

Auto Ancillaries 5.99% 

Cement 4.92% 

Consumer Non Durables 4.66% 

Petroleum Products 4.65% 

Auto 4.13% 

Transportation 3.53% 


Pesticides 3.11% 

Construction Project 2.99% 


Industrial Products 2.23% 

Media & Entertainment 2.00% 

Non - Ferrous Metals 1.74% 

Ferrous Metals 1.20% 

Power 1.10% 

Minerals/Mining 1.01% 

Oil 0.98% 

Consumer Durables 0.91% 


Net receivables / payables 0.01 





Banks 20.70% 


Finance 8.65% 



Cement 4.95% 



Auto 4.16% 










Power 1.11% 


Oil 0.98% 





Note: The above Allocation is as on January 31, 2013 as per Industry classification as recommended by AMFI. 



61






Birla Sun Life Frontline 

Equity Fund 



Banks 21.14% 




Finance 6.36% 

Power 4.87% 



Oil 3.72% 

Cement 3.71% 


Auto 2.79% 



Construction 1.52% 




Gas 1.08% 


Textile Products 0.86% 



Others 0.02% 

Telecom - Services 0.00% 






Banks 23.57% 



Finance 5.60% 


Power 4.41% 


Cement 3.81% 




Auto 3.21% 


Trading 2.28% 



Engineering Services 1.61% 



Oil 1.45% 



Chemicals 1.03% 



IT Consulting & Services 0.00% 






Banks 16.25% 


Finance 8.12% 



Cement 5.56% 





Power 3.90% 





Fertilisers 2.55% 


Gas 1.94% 



Auto 0.55% 

Future and Options -0.37% 






Banks 20.26% 



Finance 7.23% 



Cement 4.01% 

Auto 3.73% 


Oil 3.31% 








Power 1.71% 



Telecom-Equipment & 

Accessories 

0.40% 

Future and Options 0.52% 



Total 100% 


Infrastructure Fund 



Banks 29.71% 


Power 8.99% 


Cement 6.29% 


Oil 5.00% 


Auto 4.09% 




Gas 2.04% 




Finance 0.75% 





Birla Sun Life India GenNext 




Banks 20.22% 




Auto 5.13% 

Finance 4.96% 






Cement 2.10% 

Diversified Consumer 

Services 

1.76% 




Healthcare Services 1.13% 






New Millennium Fund 








Total Net Assets 100.00% 





Banks 22.92% 



Finance 6.79% 


Oil 4.22% 

Auto 4.06% 


Cement 4.01% 





Power 2.02% 





Gas 1.12% 









62






India Opportunities Fund 




Banks 18.09% 


Finance 11.63% 




Auto 6.09% 




Gas 1.13% 

Hotels 0.72% 







Finance 11.37% 



Banks 8.33% 



Auto 5.14% 



Cement 3.02% 





Textiles - Synthetic 0.00% 

Textiles - Cotton 0.00% 

Paper 0.00% 






Banks 19.21% 



Auto 7.48% 


Finance 6.68% 



Cement 3.55% 

Oil 3.49% 

Power 2.78% 





Gas 0.72% 














Finance 7.23% 

Power 4.38% 

Auto 4.23% 





Paper 0.00% 






Dividend Yield Plus 




Banks 21.98% 



Auto 7.06% 


Oil 4.86% 

Finance 4.86% 




Cement 2.88% 


Power 2.32% 






Gas 1.02% 




Paper 0.49% 






Banks 15.88% 

PSUs 13.00% 



Finance 5.64% 

Corporate Debt 5.44% 


Auto 3.57% 

Cement 3.31% 

Oil 3.12% 








Power 1.11% 



Gas 0.77% 



Government Bond 0.51% 

IT Consulting & Services 0.02% 


Total 100% 




63



Small & Midcap Fund 



Banks 18.34% 






Cement 5.39% 

Power 5.29% 


Finance 4.56% 







Diversified Consumer 

Services 

1.98% 

Gas 1.39% 

Auto 1.30% 







India Reforms Fund 



Banks 27.80% 

Power 11.51% 



Oil 6.34% 





Finance 3.69% 





Gas 1.33% 








Banks 25.12% 





Cement 6.02% 




Oil 3.23% 


Power 2.91% 

Gas 2.47% 





Birla Sun Life Long Term 

Advantage Fund 



Banks 21.20% 



Finance 6.92% 


Auto 4.22% 

Cement 3.85% 

Gas 3.67% 




Power 2.92% 

Oil 2.48% 






















64

Country/Industry Allocation 


Equities Fund - Global Agri Plan 



United States of America 51.98% 

Germany 8.10% 

United Kingdom 7.66% 

Brazil 6.24% 

Singapore 5.02% 

Norway 4.53% 

Canada 3.80% 

Israel 3.64% 

Switzerland 2.97% 

Australia 2.69% 

Malaysia 1.93% 

Hong Kong 0.00% 





Equities Fund - Global Precious 

Metals Plan 




Canada 30.66% 








Equities Fund - Global Multi 

Commodity Plan 




Canada 10.20% 

Germany 6.17% 

Italy 3.36% 


Norway 2.99% 


AUSTRIA 2.17% 


France 1.10% 

Brazil 0.97% 





Birla Sun Life International 

Equity Fund - Plan A 





Germany 5.14% 

Norway 3.27% 



Denmark 1.84% 

France 1.75% 





Birla Sun Life International 

Equity Fund - Plan B 




Banks 16.02% 



Finance 5.69% 

Cement 4.71% 

Auto 3.03% 

Oil 3.02% 









Germany 1.46% 





Norway 0.90% 



Power 0.61% 

France 0.50% 

Denmark 0.49% 








65

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www.birlasunlife.com 

All India 

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www.birlasunlife.com/mobile 

For further details on our Funds, please contact our Customers Service Centres at details given below. 

BIRLA SUN LIFE ASSET MANAGEMENT COMPANY LTD. (Investment Manager for Birla Sun Life Mutual Fund) 

One IndiaBulls Centre Tower 1, 17th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai-400 013 

BRANCHES IDEA Toll Free No. 1800-270-7000 & the centralised TOLL no. 022-66917777 

AGRA JAIPUR PANJIM ALLAHABAD 0532 - 2427015 / 3201661 HUBLI 0836 - 4259989 / 4266283 

AHMEDABAD JALANDHAR PATIALA AMBALA 0171 - 2601345 JAMMU 0191 - 2432601 

AJMER JAMSHEDPUR PONDICHERY AMRAVATI 0721 - 6451692 JAMNAGAR 0288 - 3200064 

ALWAR JODHPUR PUNE ANAND 02692 - 247260 KOLKATA 033 - 22882592 / 4 / 5 

AMRITSAR KANPUR RAIPUR BANGALORE (Jayanagar) 080 - 41555000 MADURAI 0452 - 4231493 / 83 

BARODA KOTA RANCHI BANGALORE(Manipal Centre) 080 - 42443636 

BHILLAI LUDHIANA SHIMLA BHAVNAGAR 0278 - 6452524 MEHASANA 02762 - 658323 / 16 

BHOPAL MADURAI SILIGURI BHUBANESHWAR 0674 - 2535521 / 3413 MUMBAI (Head Office) 022 - 66928000 

CALICUT MANDIGOBINDGARH SURAT CHANDIGARH 0172 - 2783556 MYSORE 0821 - 4244400 / 1 / 2 

CHENNAI (Adiyar) MANGALORE TRICHY CHENNAI (Anna Nagar) 044 - 43016950 / 1 / 2 / 4 / 6 NOIDA 0120 - 4203629 

COIMBATORE MEERUT UDAIPUR CHENNAI (Egmore) 044 - 28191681 / 708 / 715 / 699 PATNA 0612 - 2323265 / 66 

DEHRADUN MORADABAD VALSAD COCHIN 0484 - 2366817 / 2383969 / 4021722 THANE 022 - 67930660 / 1 

DHANBAD MUMBAI (Borivali) VARANASI DELHI 011- 40744514 TRIVANDRUM 0471 - 4017007 

ERODE MUMBAI (Ghatkopar) VASHI DURGAPUR 0343 - 6454621 / 19 / 3201241 VAPI 0260 - 6454735 / 6 

GURGAON MUMBAI (Churchgate) VIJAYWADA GUWAHATI 0361 - 2595020 / 2599273 VISHAKAPATNAM 0891 - 6631337 / 8 

HYDERABAD (Abids) NAGPUR VISAG GWALIOR 0751 - 6499442 / 378 

INDORE 

NASIK 

JABALPUR 

PANIPAT 

Disclaimer: Any information contained in this publication does not constitute and shall be deemed not to constitute an advice, an offer to sell/ purchase or as an invitation or solicitation to do so for any securities of any entity and further, Birla Sun 

Life Asset Management Company Ltd.(BSLAMC)/ its subsidiaries / affiliates / sponsors / trustee or their officers, employees, personnel, directors shall not be liable for any loss, damage, liability whatsoever for any direct or indirect loss arising 

from the use or access of any information that may be displayed in this publication from time to time. Recipients of the information contained herein should exercise due care and caution and read the all the scheme related documents (including 

if necessary, obtaining the advice of tax / legal / accounting / financial / other professionals) prior to taking of any decision, acting or omitting to act, on the basis of the information contained herein. 

Editorial opinions expressed in the ‘Empower’ are not necessarily those of BSLAMC or any of their officers, employees, personnel, directors and BSLAMC and its officers, employees, personnel, directors do not accept responsibility for the 

editorial content. BSLAMC or any of its officers, employees, personnel, directors make no representation as to the accuracy, completeness or reliability of the editorial content and hereby disclaim any liability with regard to the same. 

The Material provided in the Empower cannot be reproduced or quoted anywhere without express permission from Birla Sun Life Asset Management Company Ltd. 

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Empower for the Month of February 2013 - Birla Sun Life Mutual Fund

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