Ensure Feb 2011

February, 2011
(As on January 31, 2011)
Our Investment Philosophy

As one of the leading private life
insurance companies, we know that
our customers trust their monies with
us to attain their long-term goals and
to protect and achieve the dreams
and aspirations of their families.
With this in mind, our investment

focus is to ensure long term Safety,
Stability and Profitability of our
customers' funds.
Our aim is to achieve superior returns

for a given level of risk. In order to
meet this objective, we have
developed an investment framework
that is based on a sound investment
process coupled with a rigorous and
sophisticated risk management
strategy.
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Performance Summary
As on January 31, 2011
Annualized Returns Equity Market Debt Market

Annualised returns (Fund) 5 Year Sharpe Ratio
(Benchmark) Date of Movement of Sensex and Nifty
Yield Curve Dec-10 Jan-11
Fund Inception Sensex Nifty
Since Since 21,000 6,400 9%
3 Year 5 Year 3 Year 5 Year Fund Benchmark
Inception Inception 20,500
20,000
6,200
6,000 8%
19,500
Preserver 8.20% 8.16% 7.40% 6.17% 6.41% 5.91% 1.76 (1.19) 17-May-04 19,000
5,800
5,600
18,500 7%
Protector 6.97% 7.21% 6.82% 5.42% 5.62% 5.74% 0.01 (0.44) 15-Nov-01 18,000 5,400
17,500 5,200
Balancer 6.33% 10.53% 13.30% 4.87% 9.28% 11.31% 0.35 0.23 15-Nov-01 17,000 5,000
6%
6m 1y 2y 3y 4y 5y 10y 30y
10-Jan
11-Jan
12-Jan
13-Jan
14-Jan
17-Jan
18-Jan
19-Jan
20-Jan
21-Jan
24-Jan
25-Jan
27-Jan
28-Jan
31-Jan
3-Jan
4-Jan
5-Jan
6-Jan
7-Jan
Maximiser 3.34% 13.68% 22.87% 0.45% 13.01% 20.02% 0.38 0.36 15-Nov-01 Maturity
Flexi Growth 2.95% NA 10.68% 0.58% NA 9.97% N.A. N.A. 20-Mar-07

Flexi Balanced 3.95% NA 8.59% 3.90% NA 9.54% N.A. N.A. 20-Mar-07 Equity: Fixed Income:
Multiplier 3.54% NA -0.03% 2.33% NA -1.25% N.A. N.A. 26-Nov-07 The equity markets declined ~10% for the In the month of January, government securities
month of January. The deteriorating macro market continued to trade on a negative note
R.I.C.H. Fund NA NA 10.10% NA NA 7.61% N.A. N.A. 17-Mar-08
environment coupled with foreign investors on the back of persistently tight system
Pension Preserver 7.95% 8.05% 7.25% 6.17% 6.41% 5.91% 1.25 (1.19) 17-May-04 turning sellers led to the steep decline in the liquidity and inflationary concerns. RBI
Pension Protector 6.85% 7.17% 6.96% 5.42% 5.62% 5.81% 0.00 (0.44) 31-May-02 markets. Foreign investors sold US$1.4bn of presented the quarterly monetary policy on
Pension Balancer 4.84% 9.64% 13.66% 4.87% 9.28% 11.95% 0.27 0.23 31-May-02 equities. Domestic institutions were buyers to January 25, wherein it hiked the Repo and
the tune of US1.1bn for the month. This was the Reverse Repo rates by 0.25% each. RBI left the
Pension Maximiser 2.94% 13.64% 24.32% 0.45% 13.01% 21.49% 0.38 0.36 31-May-02
second largest inflow from DIIs since Mar 10. CRR unchanged to 6% and extended its
Pension Flexi Growth 2.45% NA 10.13% 0.58% NA 9.97% N.A. N.A. 20-Mar-07 Technology, Pharma and utilities stocks liquidity support measures till April 8. RBI
Pension Flexi Balanced 3.53% NA 9.62% 3.90% NA 9.54% N.A. N.A. 20-Mar-07 outperformed. A key concern for the markets retained the baseline projection of real GDP
Pension Multiplier Fund NA NA 1.25% NA NA 1.96% N.A. N.A. 25-Feb-08 has been inflation much higher than the growth 8.5% while upwardly revised the WPI
comfort levels of the central bank and therefore, projection for March 2011 to 7% from a
Pension R.I.C.H. Fund NA NA 10.28% NA NA 7.61% N.A. N.A. 17-Mar-08
increasing interest rates. Rate sensitives like real previous figure of 5.5%. The IIP figure for the
* From the date of inception of the benchmark (2-April-2002) estate and infrastructure companies declined month of November was considerably weak at
the most in the recent sell off. 2.7%. WPI inflation for the month of
December was noted at 8.43% as compared to
KEY INDICATORS Outlook 7.48% in November. The Indian Rupee
We expect the global flows to dictate the depreciated to 45.91 against the dollar as on
Jan 31, Dec 31, Equity Indices Jan 31, Dec 31, % Change direction of the markets going forward. If the January 31, 2011.
Economic Indicators Change 2011
2011 2010 2010 preference continues to developed markets,
BSE SENSEX 18,328 20,509 -10.6 then the emerging markets are likely to see Outlook:
Rs/$ 45.91 44.71 2.68%
continued selling. Key overhangs include rising We expect the government securities market to
F/X Reserve($ bln) 299.395 297.334 0.69% S&P CNX NIFTY (50) 5,506 6,135 -10.2
inflation and interest rates and high oil prices. trade on a bearish note owing to inflationary
Oil 92.19 92.22 -0.03% INDIA BSE MIDCAP 6,868 7,803 -12.0 However, with valuations in near the historical concerns and possibility of further rate hikes by
Gold (Rs./10 gm) 19,920 20,575 -3.18% CNX MIDCAP INDEX 7,923 8,857 -10.6 average (Sensex is at 14.5x FY12E) and RBI before the end of the current fiscal year. We
reduction in supply of paper the downside believe RBI has acted in a very pragmatic and
FII Fund flow (INR mn) -63,304 14,755 -78,059
could be limited. While the near term looks balanced manner in its latest monetary policy
MF Fund flow (INR mn) 5,970 13,769 -7,799 Jan 31, Dec 31, challenging, given India robust growth story
Global Indices % Change meeting. While on one hand it has given due
DII Fund flow (INR mn) 52,371 -4,819 57,190 2011 2010 the long term earnings out look remains importance to anchor the inflation
DII - MF fund flow 46,401 -18,588 64,989 Dow Jones Industrials 11,892 11,578 2.7 extremely positive. expectations by raising the rates, on the other
Hang Seng 23,447 23,035 1.8 hand it has tried to ensure that rate hike is
Jan 31, 2011 Dec 31, 2010 “moderate enough not to disrupt growth”.
Ftse 100 5,863 5,900 -0.6
Monthly Inflation (WPI) 8.43% 7.48% Market awaits the budget for the coming fiscal
Nikkei 225 Stock Average 10,328 10,229 1.0 year to be presented by the Government in
February. The market will also be cautious
GDP Growth Rate
regarding any major global development. We
5 year CAGR FY 2009 FY 2010 Fixed Income Jan 31, Dec 31,
% Change expect Rupee to appreciate gradually against
Yields 2011 2010
8.30% 6.70% 7.40% the US dollar in near term.
NSE Mibor 7.00% 6.71% 0.29%
Benchmark 5 year G-Sec 7.85% 7.86% -0.01%
1yr 3yr 5yr
Returns 5 year AAA 9.20% 8.94% 0.26%
BSE 100 9.89 0.45 12.86 10 year G-Sec 8.16% 7.92% 0.24%
CRISIL 4.29% 5.42% 5.61% 10 year AAA 9.16% 8.96% 0.20%
Pension Funds InvestShield Funds
ULIP Funds
Balancer Protector Maximiser Preserver
Multiplier RICH Flexi Balanced Flexi Growth
Balancer
FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

To provide a balance between long-term capital appreciation and
NAV*** Rs.
current income through investment in equity as well as fixed income AUM (Rs. Million): 20,084.61
Balancer Fund 33.8
instruments in appropriate proportions depending on market
Balancer Fund II 22.92
conditions prevalent from time to time. Allocation in
Balancer Fund III 15.64 Asset Allocation
Balancer Fund IV 13.82 Fund
RISK PROFILE EQUITY 32.84%
Expected return
DEBT 63.19%
ANNUALIZED RETURNS OTHER CURRENT ASSETS AND EQUIVALENT 3.96%
TOTAL 100.00%
14.00%
Allocation as a
12.00% Top 5 Sectors In Equity
% in Equity
10.00% OIL & GAS 16.17%
METALS & MINERALS 14.72%
Risk 8.00% BANKING 13.08%
AUTO 8.42%
6.00%
APPLICABLE PRODUCTS CAPITAL GOODS 8.30%
4.00%
Product Balancer Allocation as a
Top 10 Equity Stocks
LifeStage Regular Premium IV 2.00% % in Equity
LifeStage Assure IV RELIANCE INDUSTRIES LTD. 9.13%
LifeTime Plus II 0.00% H D F C BANK LTD. 8.91%
LifeTime Gold I BHARAT HEAVY ELECTRICALS LTD. 7.41%
3 Year 5 Year Since inception*
LifeTime Super I I T C LTD. 6.90%
LifeTime II I Balancer Benchmark STERLITE INDUSTRIES (INDIA) LTD. 5.72%
LifeTime I
MAHINDRA & MAHINDRA LTD. 5.65%
PremierLife Gold II
* calculated with effect from 2-Apr-02, as benchmark did not exist BHARTI AIRTEL LTD. 5.44%
PremierLife II
before this date INFOSYS TECHNOLOGIES LTD. 5.16%
Wealth Advantage II
SHRIRAM TRANSPORT FINANCE CO. LTD. 4.56%
LifeLink Super III
LifeLink II II
OIL & NATURAL GAS CORPN. LTD. 3.96%
LifeLink I NAV GROWTH
SmartKid New Unit Linked Regular Premium II
Debt Asset Allocation Allocation in Fund
SmartKid Unit Linked Regular Premium Plan II I 36 GOVERNMENT SECURITIES/ T BILLS 5.21%
SmartKid Unit Linked Regular Premium Plan I 34 CORPORATE SECURITIES 32.55%
SmartKid New Unit Linked Single Premium II 32 AAA AND EQUIVALENT 25.56%
SmartKid Single Premium II I 30 AA+ AND EQUIVALENT 1.53%
SmartKid Single Premium I AA EQUIVALENT AND BELOW 5.45%
28
Golden Years II CORPORATE MONEY MARKET SECURITIES 11.18%
26
COMMERCIAL PAPER (P1+
24
DATE OF INCEPTION: Nov 16, 2001 AND EQUIVALENT) 11.18%
22 CERTIFICATE OF DEPOSIT (P1+ AND
20 EQUIVALENT) 0.00%
ASSET ALLOCATION
18 FIXED DEPOSITS WITH BANKS 14.25%
Indicative Portfolio Allocation Max (%) Min (%)
16
Equity & equity related securities 40 0
14 Average Maturity of Debt Portfolio (Months) 27.98
Debt, Money Market & Cash 100 60
12 Average Maturity of Debt Benchmark (Months) 44.6
10 Yield to Maturity of Debt Portfolio 9.26%
BENCHMARK Apr-02 Sep-03 Mar-05 Aug-06 Feb-08 Jul-09 Jan-11
35% BSE 100&65% CRISIL Composite Bond Index
Balancer Benchmark
*** Last Declared NAV (January 31, 2011)
For full portfolio details please Click Here

ULIP Funds
Protector

To provide accumulation of income through investment in various
NAV*** Rs.
fixed income securities. The fund seeks to provide capital appreciation AUM (Rs. Million): 15,749.10
Protector Fund 20.0233
while maintaining a suitable balance between return, safety and
Protector Fund II 15.4075
liquidity.
Protector Fund III 14.1284 Asset Allocation Allocation in Fund
Protector Fund IV 13.2258 GOVERNMENT SECURITIES/ T BILLS 6.74%
RISK PROFILE
CORPORATE SECURITIES 39.34%
Expected return
AAA AND EQUIVALENT 32.81%

ANNUALIZED RETURNS AA+ AND EQUIVALENT 1.98%
8.00%
AA EQUIVALENT AND BELOW 4.54%
CORPORATE MONEY MARKET SECURITIES 28.47%
7.00% COMMERCIAL PAPER (P1+ AND
EQUIVALENT) 28.47%
6.00% CERTIFICATE OF DEPOSIT (P1+
5.00% AND EQUIVALENT) 0.00%
FIXED DEPOSITS WITH BANKS 22.67%
Risk 4.00% OTHER CURRENT ASSETS AND
EQUIVALENT 2.78%
APPLICABLE PRODUCTS 3.00%
TOTAL 100.00%
Product Protector 2.00%
LifeStage Regular Premium IV
LifeStage Assure IV
1.00%
Portfolio By Maturity Allocation in
LifeTime Plus II 0.00%
Fund
LifeTime Gold I < 1 year 55.32%
3 Year 5 Year Since inception*
LifeTime Super I 1-5 years 37.80%
LifeTime II I Protector Benchmark 5-7 years 1.29%
LifeTime I * calculated with effect from 2-Apr-02, as benchmark did not exist 7-10 years 2.44%
PremierLife Gold II > 10 years 3.15%
before this date
PremierLife II TOTAL 100.00%
Wealth Advantage II
NAV GROWTH
LifeLink Super III Average Maturity of Debt Portfolio (Months) 23.42
LifeLink II II 20.00 Average Maturity of Benchmark (Months) 44.6
LifeLink I Yield to Maturity of Debt Portfolio 9.02%
SmartKid New Unit Linked Regular Premium II 19.00
SmartKid Unit Linked Regular Premium Plan II I
18.00
SmartKid Unit Linked Regular Premium Plan I
SmartKid New Unit Linked Single Premium II 17.00
SmartKid Single Premium II I
16.00
SmartKid Single Premium I
Golden Years II 15.00
14.00
DATE OF INCEPTION: Nov 16, 2001
13.00
ASSET ALLOCATION
12.00
Equity & equity related securities 0 0 11.00
Apr-02 Sep-03 Mar-05 Aug-06 Feb-08 Jul-09 Jan-11
Protector Benchmark
BENCHMARK
CRISIL Composite Bond Index

ULIP Funds
Maximiser

To generate long-term capital appreciation through investment
NAV*** Rs.
primarily in equity and equity-related instruments. AUM (Rs. Million): 83,005.89
Maximiser Fund 66.72
Maximiser Fund II 37.16
RISK PROFILE Allocation in
Maximiser Fund III 16.88 Asset Allocation
Maximiser Fund IV 13.24 Fund
Expected return
EQUITY 91.68%
DEBT AND OTHER CURRENT ASSETS &
ANNUALIZED RETURNS EQUIVALENT 8.32%
TOTAL 100.00%
25.00%
Allocation as a
Sector Allocation % in Equity
20.00%
BANKING 15.14%
Risk METALS & MINERALS 12.96%
15.00% OIL & GAS 12.82%
APPLICABLE PRODUCTS AUTO 9.53%
10.00% CONSUMER 9.09%
Product Maximiser CAPITAL GOODS 8.86%
LifeStage Regular Premium IV CEMENT 6.67%
5.00%
LifeTime Plus II TECHNOLOGY 6.28%
LifeTime Super I 0.45% TELECOM 5.71%
LifeTime II I 0.00% FINANCE 4.20%
LifeTime I 3 Year 5 Year Since inception PHARMA & HEALTHCARE 2.30%
PremierLife Gold II INFRASTRUCTURE 2.05%
PremierLife II Maximiser Benchmark
EPC 1.67%
LifeLink Super III RETAIL 1.48%
LifeLink II II REAL ESTATE 0.83%
LifeLink I NAV GROWTH OTHERS 0.41%
SmartKid New Unit Linked Regular Premium II
SmartKid Unit Linked Regular Premium Plan II I 80.00 Allocation as a
SmartKid Unit Linked Regular Premium Plan I Top 20 Equity stocks
% in Equity
SmartKid New Unit Linked Single Premium II 72.00
RELIANCE INDUSTRIES LTD. 9.23%
64.00 H D F C BANK LTD. 8.93%
I T C LTD. 7.32%
Golden Years II 56.00 BHARAT HEAVY ELECTRICALS LTD. 7.31%
STERLITE INDUSTRIES (INDIA) LTD. 6.05%
48.00
BHARTI AIRTEL LTD. 5.71%
40.00 MAHINDRA & MAHINDRA LTD. 5.58%
INFOSYS TECHNOLOGIES LTD. 4.80%
DATE OF INCEPTION: Nov 16, 2001 32.00 A C C LTD. 4.14%
24.00
SHRIRAM TRANSPORT FINANCE CO. LTD. 3.51%
ASSET ALLOCATION JINDAL STEEL & POWER LTD. 3.07%
Indicative Portfolio Allocation Max (%) Min (%) 16.00 OIL & NATURAL GAS CORPN. LTD. 2.92%
Equity & equity related securities 100 75 MARUTI SUZUKI INDIA LTD. 2.90%
8.00
Debt, Money Market & Cash 25 0 TATA STEEL LTD. 2.64%
Nov-01 Sep-03 Jul-05 May-07 Mar-09 Jan-11
AXIS BANK LTD. 2.49%
LUPIN LTD. 2.30%
BENCHMARK Maximiser Benchmark
POWER GRID CORPN. OF INDIA LTD. 1.89%
BSE 100 ORIENTAL BANK OF COMMERCE 1.58%
PANTALOON RETAIL (INDIA) LTD. 1.46%
GRASIM INDUSTRIES LTD. 1.43%

ULIP Funds
Preserver

To provide suitable returns through low risk investments in debt and
NAV*** Rs.
money market instruments while attempting to protect the capital AUM (Rs. Million): 3,761.70
Preserver Fund 16.1455
deployed in the fund.
Preserver Fund III 14.498
RISK PROFILE Preserver Fund IV 13.0313 Asset Allocation Allocation in Fund
GOVERNMENT SECURITIES/ T BILLS 0.00%
Expected return
ANNUALIZED RETURNS AAA AND EQUIVALENT 7.29%

AA+ AND EQUIVALENT 0.00%
9.00% AA EQUIVALENT AND BELOW 0.00%
8.00%
COMMERCIAL PAPER (P1+ AND
7.00% EQUIVALENT) 73.14%
6.00% CERTIFICATE OF DEPOSIT (P1+ AND
5.00%
EQUIVALENT) 0.00%
Risk FIXED DEPOSITS WITH BANKS 18.19%
4.00% OTHER CURRENT ASSETS AND EQUIVALENT 1.38%
APPLICABLE PRODUCTS 3.00% TOTAL 100.00%
Product Preserver 2.00%
LifeStage Regular Premium IV Portfolio by Maturity Allocation in
1.00% Fund
LifeStage Assure IV
LifeTime Plus I 0.00% < 1 YEAR 92.31%
LifeTime Gold I 3 Year 5 Year Since inception 1- 5 YEARS 7.69%
LifeTime Super I 5 - 7 YEARS 0.00%
LifeTime II I Preserver Benchmark 7- 10 YEARS 0.00%
LifeTime I > 10 YEARS 0.00%
PremierLife Gold II TOTAL 100.00%
PremierLife I
Wealth Advantage I NAV GROWTH Average Maturity of Debt Portfolio (Months) 4.03
LifeLink Super III
16.00 Average Maturity of Debt Benchmark (Months) 2.23
LifeLink II I
LifeLink I Yield to Maturity of Debt Portfolio 8.45%
SmartKid New Unit Linked Regular Premium I 15.00
SmartKid Unit Linked Regular Premium Plan I *** Last Declared NAV (January 31, 2011)
SmartKid New Unit Linked Single Premium I 14.00
13.00
Golden Years I
DATE OF INCEPTION: May 17, 2004 12.00
ASSET ALLOCATION 11.00

10.00
Debt instruments 50 0
Aug-04 Nov-05 Mar-07 Jun-08 Sep-09 Jan-11
Money Market & Cash 100 50
Preserver Benchmark
BENCHMARK
CRISIL Liquid Index

ULIP Funds
Multiplier

To provide long-term capital appreciation from equity portfolio
NAV*** Rs.
predominantly invested in NIFTY scrips. AUM (Rs. Million): 22,918.59
Multiplier Fund 9.99
Multiplier Fund II 11.28
Multiplier Fund III 11.00 Asset Allocation
Multiplier Fund IV 11.24 Fund
Expected return
EQUITY 98.66%
DEBT AND OTHER CURRENT ASSETS & EQUIVALENT 1.34%
ANNUALIZED RETURNS TOTAL 100.00%
14.00% Allocation as a
12.00%
BANKING 18.34%
10.00% METALS & MINERALS 13.98%
Risk 8.00% TECHNOLOGY 10.61%
OIL & GAS 10.54%
6.00% AUTO 9.43%
APPLICABLE PRODUCTS
4.00% CONSUMER 8.41%
Product Multiplier EPC 6.13%
LifeStage Regular Premium IV 2.00% FINANCE 4.73%
LifeStage Assure IV 0.00% INFRASTRUCTURE 4.58%
-0.03%
LifeTime Plus II TELECOM 3.69%
LifeTime Gold I -2.00%
CAPITAL GOODS 2.89%
LifeTime Super I 1 Year 3 Year Since inception OTHERS 1.92%
LifeTime II I CEMENT 1.68%
LifeTime I Multiplier Benchmark
PHARMA & HEALTHCARE 1.62%
PremierLife Gold II MEDIA 1.44%
PremierLife II
Wealth Advantage II NAV GROWTH Allocation as a
LifeLink Super III Top 20 Equity Stocks
% in Equity
LifeLink II II 12.00
LifeLink I H D F C BANK LTD. 8.74%
SmartKid New Unit Linked Regular Premium II I T C LTD. 6.83%
11.00
SmartKid Unit Linked Regular Premium Plan II II TATA CONSULTANCY SERVICES LTD. 5.37%
SmartKid Unit Linked Regular Premium Plan II MAHINDRA & MAHINDRA LTD. 5.26%
10.00
SmartKid New Unit Linked Single Premium II INFOSYS TECHNOLOGIES LTD. 5.24%
SmartKid Single Premium II II LARSEN & TOUBRO LTD. 4.97%
SmartKid Single Premium I 9.00 BHARTI AIRTEL LTD. 3.69%
Golden Years II PUNJAB NATIONAL BANK 3.62%
8.00 AXIS BANK LTD. 3.47%
DATE OF INCEPTION: Nov 26, 2007 COAL INDIA LTD. 3.38%
7.00 OIL & NATURAL GAS CORPN. LTD. 3.31%
ASSET ALLOCATION HINDALCO INDUSTRIES LTD. 3.24%
6.00 RELIANCE INDUSTRIES LTD. 2.99%
Indicative Portfolio Allocation Max (%) Min (%) SHRIRAM TRANSPORT FINANCE CO. LTD. 2.67%
5.00 BHARAT HEAVY ELECTRICALS LTD. 2.36%
Debt, Money Market & Cash 20 0 CAIRN INDIA LTD. 2.25%
4.00
JINDAL STEEL & POWER LTD. 2.16%
BENCHMARK STERLITE INDUSTRIES (INDIA) LTD. 1.98%
Nov-07 Jun-08 Dec-08 Jun-09 Jan-10 Jul-10 Jan-11
S&P CNX Nifty POWER GRID CORPN. OF INDIA LTD. 1.96%
HOUSING DEVELOPMENT FINANCE CORPN. LTD. 1.67%
Multiplier Benchmark

ULIP Funds
RICH

To generate superior long-term returns from a diversified portfolio of
NAV*** Rs.
equity and equity related instruments of companies operating in four AUM (Rs. Million): 30,012.53
R.I.C.H. Fund 13.19
important types of industries, viz., Resources, Investment-related,
R.I.C.H. Fund II 13.51
Consumption-related and Human Capital leveraged industries. Allocation in
R.I.C.H. Fund III 13.21 Asset Allocation
R.I.C.H. Fund IV 13.5 Fund
Expected return

12.00%
Allocation as a
10.00%
BANKING 19.83%
OIL & GAS 12.90%
8.00%
TECHNOLOGY 11.59%
CONSUMER 9.04%
Risk METALS & MINERALS 7.41%
6.00%
AUTO 6.38%
4.00%
Product RICH PHARMA & HEALTHCARE 5.13%
LifeStage Regular Premium IV FINANCE 4.46%
2.00%
LifeStage Assure IV INFRASTRUCTURE 4.41%
LifeTime Plus II EPC 3.61%
LifeTime Gold I 0.00% TELECOM 2.87%
LifeTime Super I 1 Year Since inception CEMENT 2.67%
LifeTime II I RICH Benchmark OTHERS 2.31%
LifeTime I REAL ESTATE 1.08%
PremierLife Gold II MEDIA 0.51%
PremierLife II NAV GROWTH
Wealth Advantage II Allocation as a
16.00 Top 20 Equity Stocks
LifeLink Super III % in Equity
LifeLink II II 15.00 RELIANCE INDUSTRIES LTD. 7.74%
LifeLink I 14.00 I T C LTD. 5.06%
SmartKid New Unit Linked Regular Premium II H D F C BANK LTD. 5.02%
SmartKid Unit Linked Regular Premium Plan II I 13.00
SmartKid Unit Linked Regular Premium Plan I 12.00 TATA CONSULTANCY SERVICES LTD. 3.89%
SmartKid New Unit Linked Single Premium II KOTAK MAHINDRA BANK LTD. 3.79%
SmartKid Single Premium II I 11.00
BHARAT HEAVY ELECTRICALS LTD. 3.52%
SmartKid Single Premium I 10.00 OIL & NATURAL GAS CORPN. LTD. 2.48%
Golden Years II
9.00
N T P C LTD. 2.19%
DATE OF INCEPTION: Mar 17, 2008 8.00 GODREJ CONSUMER PRODUCTS LTD. 2.14%
7.00 PUNJAB NATIONAL BANK 2.04%
ASSET ALLOCATION TATA POWER CO. LTD. 2.03%
6.00 JINDAL STEEL & POWER LTD. 2.03%
Equity & equity related securities 100 80 5.00 BHARTI AIRTEL LTD. 2.02%
Debt, Money Market & Cash 20 0 Mar-08 Aug-08 Jan-09 Jun-09 Nov-09 Apr-10 Sep-10 Jan-11 GAIL (INDIA) LTD. 1.99%
DR. REDDY'S LABORATORIES LTD. 1.95%
RICH Benchmark LARSEN & TOUBRO LTD. 1.93%
BENCHMARK HOUSING DEVELOPMENT FINANCE CORPN. LTD. 1.89%
BSE 100 AXIS BANK LTD. 1.89%

ULIP Funds
Flexi Balanced

To achieve a balance between capital appreciation and stable returns
NAV*** Rs.
by investing in a mix of equity and equity related instruments of large, AUM (Rs. Million): 2,596.67
Flexi Balanced Fund 13.76
mid and small cap companies and debt and debt related instruments.
Flexi Balanced Fund II 14.59
Flexi Balanced Fund III 13.63 Allocation in
RISK PROFILE Asset Allocation
Flexi Balanced Fund IV 12.92 Fund
EQUITY 53.41%
Expected return
DEBT 42.63%
TOTAL 100.00%
12.00%
Allocation as a
10.00% Top 5 SectorsIn Equity
% in Equity
OIL & GAS 15.02%
8.00%
TECHNOLOGY 11.59%
Risk CAPITAL GOODS 11.57%
6.00%
BANKING 9.69%
APPLICABLE PRODUCTS CONSUMER 9.34%
4.00%
Product Flexi Balanced
Allocation as a
LifeStage Regular Premium IV 2.00% Top 10 Equity Stocks
% in Equity
LifeStage Assure IV
LifeTime Plus II 0.00% RELIANCE INDUSTRIES LTD. 7.40%
LifeTime Gold I 1 Year 3 Year Since inception INFOSYS TECHNOLOGIES LTD. 6.09%
LifeTime Super I H D F C BANK LTD. 6.05%
Flexi Balanced Benchmark BHARAT HEAVY ELECTRICALS LTD. 5.72%
LifeTime II I
LifeTime I I T C LTD. 4.70%
PremierLife Gold II OIL & NATURAL GAS CORPN. LTD. 4.17%
PremierLife II NAV GROWTH LARSEN & TOUBRO LTD. 3.84%
Wealth Advantage II 16.00 TATA CONSULTANCY SERVICES LTD. 3.74%
LifeLink Super III GUJARAT STATE PETRONET LTD. 3.73%
LifeLink II II 15.00 STERLITE INDUSTRIES (INDIA) LTD. 3.01%
LifeLink I
SmartKid New Unit Linked Regular Premium II 14.00 Debt Asset Allocation Allocation in Fund
SmartKid Unit Linked Regular Premium Plan I GOVERNMENT SECURITIES/ T BILLS 2.72%
13.00
SmartKid New Unit Linked Single Premium II CORPORATE SECURITIES 16.58%
SmartKid Single Premium II II AAA AND EQUIVALENT 13.28%
12.00
SmartKid Single Premium I AA+ AND EQUIVALENT 1.07%
Golden Years II AA EQUIVALENT AND BELOW 2.23%
11.00
DATE OF INCEPTION: Mar 20, 2007 10.00
EQUIVALENT) 11.22%
ASSET ALLOCATION 9.00 CERTIFICATE OF DEPOSIT (P1+ AND
EQUIVALENT) 0.00%
8.00 FIXED DEPOSITS WITH BANKS 12.12%
Mar-07 Oct-07 Apr-08 Nov-08 May-09 Dec-09 Jul-10 Jan-11
Flexi Balanced Benchmark Average Maturity of Debt Portfolio (Months) 23.51
BENCHMARK Average Maturity of Debt Benchmark (Months) 44.6
55% CNX 500 & 45% CRISIL Composite Bond Index Yield to Maturity of Debt Portfolio 9.03%

ULIP Funds
Flexi Growth

NAV*** Rs.
equity and equity related instruments of large, mid and small cap AUM (Rs. Million): 64,014.97
Flexi Growth Fund 14.81
companies.
Flexi Growth Fund II 15.23
Flexi Growth Fund III 14.76 Allocation in
RISK PROFILE Asset Allocation
Flexi Growth Fund IV 13.03 Fund
EQUITY 96.84%
Expected return

12.00%
Allocation as a
10.00%
BANKING 16.29%
8.00% TECHNOLOGY 14.20%
Risk CONSUMER 9.70%
6.00%
OIL & GAS 8.88%
APPLICABLE PRODUCTS INFRASTRUCTURE 7.14%
4.00%
CAPITAL GOODS 5.40%
Product Flexi Growth AUTO 5.15%
LifeStage Regular Premium IV 2.00% EPC 4.63%
LifeStage Assure IV PHARMA & HEALTHCARE 4.00%
LifeTime Plus II 0.00% FINANCE 3.59%
LifeTime Gold I 1 Year 3 Year Since inception CEMENT 3.36%
LifeTime Super I TELECOM 3.29%
LifeTime II I Flexi Growth Benchmark OTHERS 3.11%
LifeTime I MEDIA 0.32%
PremierLife Gold II REAL ESTATE 0.11%
NAV GROWTH
PremierLife II
Wealth Advantage II 19.00
Allocation as a
LifeLink Super III 18.00 Top 20 Equity Stocks
% in Equity
LifeLink II II
17.00 H D F C BANK LTD. 6.68%
LifeLink I
SmartKid New Unit Linked Regular Premium II 16.00 AXIS BANK LTD. 4.87%
SmartKid Unit Linked Regular Premium Plan II I 15.00
I T C LTD. 4.57%
SmartKid Unit Linked Regular Premium Plan I INFOSYS TECHNOLOGIES LTD. 4.30%
14.00
SmartKid New Unit Linked Single Premium II TATA CONSULTANCY SERVICES LTD. 4.20%
SmartKid Single Premium II II 13.00 LARSEN & TOUBRO LTD. 3.70%
SmartKid Single Premium I 12.00 MAHINDRA & MAHINDRA LTD. 3.05%
Golden Years II GAIL (INDIA) LTD. 2.79%
11.00
10.00
DATE OF INCEPTION: Mar 20, 2007 OIL & NATURAL GAS CORPN. LTD. 2.52%
9.00 KANSAI NEROLAC PAINTS LTD. 2.42%
ASSET ALLOCATION 8.00 JINDAL STEEL & POWER LTD. 2.28%
Indicative Portfolio Allocation Max (%) LUPIN LTD. 2.21%
Min (%) 7.00
Equity & equity related securities 100 80 POWER GRID CORPN. OF INDIA LTD. 2.21%
6.00 N T P C LTD. 2.20%
Mar-07 Oct-07 Apr-08 Nov-08 May-09 Dec-09 Jul-10 Jan-11 STERLITE INDUSTRIES (INDIA) LTD. 1.94%
Flexi Growth Benchmark WIPRO LTD. 1.93%
BENCHMARK GRASIM INDUSTRIES LTD. 1.89%
S&P CNX 500 MPHASIS LTD. 1.78%
SESA GOA LTD. 1.70%

ULIP Funds InvestShield Funds
Pension Funds
Pension Balancer Pension Protector Pension Maximiser Pension Preserver
Pension Multiplier Pension RICH Pension Flexi Balanced Pension Flexi Growth
Pension Balancer

To provide a balance between long-term capital appreciation and
NAV*** Rs.
current income through investment in equity as well as fixed income AUM (Rs. Million): 13,802.38
Pension Balancer Fund 30.38
instruments in appropriate proportions depending on market
Pension Balancer Fund II 22.52
conditions prevalent from time to time. Allocation in
Asset Allocation
Fund
DEBT 62.50%
Expected return

TOTAL 100.00%
16.00%
Top 5 Sectors in Equity
% in Equity
12.00%
BANKING 21.99%
Risk 8.00%
OIL & GAS 11.95%
6.00% CONSUMER 10.44%
APPLICABLE PRODUCTS
4.00%
Product Pension Balancer Allocation as a
LifeStage Pension I 2.00% Top 10 Equity Stocks
% in Equity
LifeTime Super Pension II
0.00% INFOSYS TECHNOLOGIES LTD. 10.41%
LifeTime Pension II II
3 Year 5 Year Since inception RELIANCE INDUSTRIES LTD. 9.35%
LifeTime Pension I
I T C LTD. 6.73%
PremierLife Pension II Pension Balancer Benchmark H D F C BANK LTD. 6.52%
LifeLink Super Pension II
LifeLink Pension II II
HINDALCO INDUSTRIES LTD. 6.04%
LifeLink Pension I NAV GROWTH ALLAHABAD BANK 4.22%
34 KOTAK MAHINDRA BANK LTD. 3.95%
DATE OF INCEPTION: May 30, 2002 32 JAIPRAKASH ASSOCIATES LTD. 3.33%
30
TATA CONSULTANCY SERVICES LTD. 3.16%
ASSET ALLOCATION
28
Indicative Portfolio Allocation Max (%) Min (%) Debt Asset Allocation Allocation in Fund
26
Equity & equity related securities 40 0 GOVERNMENT SECURITIES/ T BILLS 3.76%
Debt, Money Market & Cash 100 60 24
22 AAA AND EQUIVALENT 21.41%
BENCHMARK 20 AA+ AND EQUIVALENT 1.28%
35% BSE 100 & 65% CRISIL Composite Bond Index 18
16 COMMERCIAL PAPER (P1+ AND
14 EQUIVALENT) 16.95%
12
CERTIFICATE OF DEPOSIT (P1+ AND
EQUIVALENT) 0.00%
10
8
May-02 Feb-04 Nov-05 Jul-07 Apr-09 Jan-11
Average Maturity of Debt Portfolio (Months) 24.57
Pension Balancer Benchmark
Average Maturity of Debt Benchmark (Months) 44.6
Yield to Maturity of Debt Portfolio 9.06%

Pension Funds
Pension Protector

To provide accumulation of income through investment in various
NAV*** Rs.
fixed income securities. The fund seeks to provide capital appreciation AUM (Rs. Million): 19,466.70
Pension Protector Fund 17.9256
while maintaining a suitable balance between return, safety and
Pension Protector Fund II 15.3375
liquidity.
Asset Allocation Allocation in Fund
RISK PROFILE GOVERNMENT SECURITIES/ T BILLS 7.47%
Expected return
ANNUALIZED RETURNS
8.00%
CORPORATE MONEY MARKET
7.00% SECURITIES 30.90%
6.00%
EQUIVALENT) 30.90%
Risk 4.00%
AND EQUIVALENT) 0.00%
3.00% OTHER CURRENT ASSETS AND
APPLICABLE PRODUCTS
2.00% EQUIVALENT 4.53%
Product Pension Protector TOTAL 100.00%
LifeStage Pension I 1.00%
LifeTime Super Pension II Allocation in
0.00% Portfolio by Maturity
LifeTime Pension II II Fund
LifeTime Pension I 3 Year 5 Year Since inception
< 1 year 59.11%
PremierLife Pension II Pension Protector Benchmark 1-5 years 35.00%
5-7 years 1.07%
7-10 years 1.75%
LifeLink Pension I
> 10 years 3.06%
NAV GROWTH
TOTAL 100.00%
DATE OF INCEPTION: May 31, 2002 18.00
ASSET ALLOCATION 17.00 Average Maturity of Debt Benchmark (Months) 44.6
16.00
15.00
BENCHMARK 14.00
CRISIL Composite Bond Index

13.00
12.00
11.00
10.00
May-02 Feb-04 Nov-05 Jul-07 Apr-09 Jan-11
Pension Protector Benchmark

Pension Funds
Pension Maximiser

To generate long-term capital appreciation through investment
NAV*** Rs.
primarily in equity and equity-related instruments. AUM (Rs. Million): 31,192.03
Pension Maximiser Fund 66.1
Pension Maximiser Fund II 38.31
Asset Allocation
Fund
EQUITY 92.09%
Expected return

25.00% BANKING 15.82%
OIL & GAS 13.32%
Risk AUTO 8.62%
15.00% CONSUMER 8.24%
Product Pension Maximiser 10.00% CEMENT 6.87%
LifeStage Pension I TECHNOLOGY 6.61%
LifeTime Super Pension II 5.00% TELECOM 5.24%
PHARMA & HEALTHCARE 4.01%
LifeTime Pension II II 0.45%
0.00% FINANCE 3.97%
LifeTime Pension I
INFRASTRUCTURE 2.34%
PremierLife Pension II 3 Year 5 Year Since inception EPC 1.90%
Pension Maximiser Benchmark RETAIL 1.48%
REAL ESTATE 0.43%
LifeLink Pension I
OTHERS 0.26%
DATE OF INCEPTION: May 31, 2002 NAV GROWTH Allocation as a

% in Equity
80.00
ASSET ALLOCATION H D F C BANK LTD. 9.64%
74.00
Max (%) RELIANCE INDUSTRIES LTD. 9.11%
Indicative Portfolio Allocation Min (%) 68.00
BHARAT HEAVY ELECTRICALS LTD. 6.60%
62.00 I T C LTD. 6.43%
56.00 BHARTI AIRTEL LTD. 5.24%
50.00 STERLITE INDUSTRIES (INDIA) LTD. 5.19%
BENCHMARK 44.00
BSE 100 INFOSYS TECHNOLOGIES LTD. 4.45%
38.00
A C C LTD. 3.61%
26.00 MARUTI SUZUKI INDIA LTD. 2.96%
20.00 SHRIRAM TRANSPORT FINANCE CO. LTD. 2.89%
14.00
TATA STEEL LTD. 2.88%
8.00
LUPIN LTD. 2.52%
Aug-10
Jul-06
Jul-08
Jan-04
Jan-11
Jun-04
Oct-02
Apr-05
Feb-06
Apr-07
Feb-08
Oct-09
Sep-05
Dec-06
Dec-08
Mar-03
Nov-04
Mar-10
Aug-03
May-02
May-09
Sept-07

POWER GRID CORPN. OF INDIA LTD. 1.93%
DR. REDDY'S LABORATORIES LTD. 1.48%
Pension Maximiser Benchmark PANTALOON RETAIL (INDIA) LTD. 1.46%
GRASIM INDUSTRIES LTD. 1.41%

Pension Funds
Pension Preserver

To provide suitable returns through low risk investments in debt and
NAV*** Rs.
money market instruments while attempting to protect the capital AUM (Rs. Million): 3,990.63
Pension Preserver Fund 16.0004
deployed in the fund.
Asset Allocation Allocation in Fund
RISK PROFILE GOVERNMENT SECURITIES/ T BILLS 0.00%
Expected return

10.00% CORPORATE MONEY MARKET SECURITIES 75.82%
8.00% EQUIVALENT) 75.82%
CERTIFICATE OF DEPOSIT (P1+
Risk 6.00% FIXED DEPOSITS WITH BANKS 13.57%
OTHER CURRENT ASSETS AND EQUIVALENT 5.35%
APPLICABLE PRODUCTS 4.00% TOTAL 100.00%
Product Pension Preserver
LifeStage Pension Portfolio by Maturity Allocation in
2.00%
LifeTime Super Pension Fund
LifeTime Pension II < 1 YEAR 92.71%
LifeTime Pension 0.00% 1- 5 YEARS 7.29%
PremierLife Pension 3 Year 5 Year Since inception 5 - 7 YEARS 0.00%
LifeLink Super Pension Pension Preserver Benchmark 7- 10 YEARS 0.00%
LifeLink Pension II > 10 YEARS 0.00%
LifeLink Pension TOTAL 100.00%
NAV GROWTH
DATE OF INCEPTION: May 17, 2004 16.00 Average Maturity of Debt Benchmark (Months) 2.23
15.50 Yield to Maturity of Debt Portfolio 8.48%
ASSET ALLOCATION
15.00
14.50
Equity & equity related securities 0 0 *** Last Declared NAV (January 31, 2011)
Debt instruments 50 0 14.00
Money Market & Cash 100 50 13.50
13.00
BENCHMARK 12.50
CRISIL Liquid Index 12.00
11.50
11.00
10.50
10.00
May-04 Jul-05 Aug-06 Sep-07 Nov-08 Dec-09 Jan-11
Pension Preserver Benchmark

Pension Funds
Pension Multiplier

To provide long-term capital appreciation from equity portfolio
NAV*** Rs.
predominantly invested in NIFTY scrips. AUM (Rs. Million): 12,410.14
Pension Multiplier Fund 10.37
Pension Multiplier Fund II 10.65
Asset Allocation
Fund
EQUITY 97.57%
Expected return

12.00% BANKING 22.74%
Risk 8.00% OIL & GAS 12.13%
CONSUMER 10.35%
APPLICABLE PRODUCTS 6.00% AUTO 7.62%
Product Pension Multiplier 4.00%
FINANCE 3.71%
LifeStage Pension I CEMENT 3.43%
LifeTime Super Pension II 2.00% TELECOM 3.32%
LifeTime Pension II II EPC 3.02%
LifeTime Pension I 0.00% REAL ESTATE 2.74%
PremierLife Pension II 1 Year Since inception CAPITAL GOODS 0.95%
LifeLink Super Pension II Pension Multiplier Benchmark
LifeLink Pension II II Allocation as a
LifeLink Pension I % in Equity
DATE OF INCEPTION: Feb 25, 2008 NAV GROWTH
H D F C BANK LTD. 6.92%
I T C LTD. 6.33%
ASSET ALLOCATION 13.00 HINDALCO INDUSTRIES LTD. 6.20%
Indicative Portfolio Allocation Max (%) Min (%) TATA CONSULTANCY SERVICES LTD. 5.25%
12.00
Equity & equity related securities 100 80 KOTAK MAHINDRA BANK LTD. 4.47%
Debt, Money Market & Cash 20 0 11.00 MAHINDRA & MAHINDRA LTD. 4.14%
10.00
ALLAHABAD BANK 3.46%
JAIPRAKASH ASSOCIATES LTD. 3.43%
BENCHMARK 9.00 GODREJ CONSUMER PRODUCTS LTD. 3.41%
S&P CNX Nifty 8.00 LARSEN & TOUBRO LTD. 3.02%
H C L TECHNOLOGIES LTD. 2.94%
7.00 HOUSING DEVELOPMENT FINANCE CORPN. LTD. 2.79%
6.00 UNITECH LTD. 2.74%
OIL & NATURAL GAS CORPN. LTD. 2.72%
5.00 BANK OF BARODA 2.69%
4.00 BHARTI AIRTEL LTD. 2.43%
Feb-08 Jul-08 Dec-08 May-09 Oct-09 Mar-10 Aug-10 Jan-11 J S W STEEL LTD. 2.20%
Pension Multiplier Benchmark

Pension Funds
Pension RICH

NAV*** Rs.
equity and equity related instruments of companies operating in four AUM (Rs. Million): 46,148.23
Pension R.I.C.H. Fund 13.25
important types of industries viz., Resources, Investment-realted,
Pension R.I.C.H. Fund II 13.54
Consumption-related and Human Capital leveraged industries. Allocation in
Asset Allocation
Fund
Expected return
12.00% OIL & GAS 15.06%
BANKING 12.42%
10.00%
TECHNOLOGY 10.72%
CAPITAL GOODS 10.03%
8.00%
Risk CONSUMER 8.56%
6.00% FINANCE 7.67%
APPLICABLE PRODUCTS AUTO 6.78%
4.00% OTHERS 6.13%
Product Pension RICH
LifeStage Pension I METALS & MINERALS 5.89%
LifeTime Super Pension II
2.00% INFRASTRUCTURE 5.79%
LifeTime Pension II II TELECOM 2.86%
0.00% CEMENT 2.77%
LifeTime Pension I
1 Year Since inception EPC 2.72%
PremierLife Pension II
LifeLink Super Pension II Pension R.I.C.H Benchmark PHARMA & HEALTHCARE 1.71%
LifeLink Pension II II REAL ESTATE 0.88%
LifeLink Pension I
NAV GROWTH
Allocation as a
16.00
% in Equity
DATE OF INCEPTION: Mar 17, 2008
15.00
ASSET ALLOCATION H D F C BANK LTD. 6.11%
14.00
Indicative Portfolio Allocation Max (%) Min (%) BHARAT HEAVY ELECTRICALS LTD. 5.94%
I T C LTD. 5.36%
Debt, Money Market & Cash 20 0 12.00 MAHINDRA & MAHINDRA LTD. 3.45%
11.00
BENCHMARK 10.00 HOUSING DEVELOPMENT FINANCE CORPN. LTD. 2.82%
BSE 200 TATA POWER CO. LTD. 2.79%
9.00
BAJAJ HOLDINGS & INVST. LTD. 2.73%
8.00 LARSEN & TOUBRO LTD. 2.57%
7.00 STATE BANK OF INDIA 2.38%
6.00 VOLTAS LTD. 2.16%
5.00 GAIL (INDIA) LTD. 1.91%
Mar-08 Aug-08 Jan-09 Jun-09 Nov-09 Apr-10 Sep-10 Jan-11 OIL & NATURAL GAS CORPN. LTD. 1.87%
OIL INDIA LTD. 1.57%
Pension R.I.C.H Benchmark HINDUSTAN UNILEVER LTD. 1.39%

Pension Funds
Pension Flexi Balanced


To achieve a balance between capital appreciation and stable returns
NAV*** Rs.
by investing in a mix of equity and equity related instruments of large, AUM (Rs. Million): 2,738.01
Pension Flexi Balanced Fund 14.27
mid and small cap companies and debt and debt related instruments.
Pension Flexi Balanced Fund II 14.68
Allocation in
Asset Allocation
RISK PROFILE Fund
EQUITY 53.88%
DEBT 41.39%
Expected return

TOTAL 100.00%
12.00%
Allocation as a
10.00% Top 5 Sectors in Equity
% in Equity
TECHNOLOGY 14.64%
8.00%
OIL & GAS 14.41%
Risk CAPITAL GOODS 9.74%
6.00%
BANKING 9.17%
APPLICABLE PRODUCTS OTHERS 8.97%
4.00%
Product Pension Flexi Balanced
LifeStage Pension I 2.00% Allocation as a
LifeTime Super Pension II % in Equity
LifeTime Pension II II 0.00% INFOSYS TECHNOLOGIES LTD. 8.26%
LifeTime Pension I RELIANCE INDUSTRIES LTD. 7.75%
1 Year 3 Year Since inception
PremierLife Pension II BHARAT HEAVY ELECTRICALS LTD. 5.71%
LifeLink Super Pension II Pension Flexi Balanced Benchmark H D F C BANK LTD. 4.45%
LifeLink Pension II II I T C LTD. 4.42%
LifeLink Pension I OIL & NATURAL GAS CORPN. LTD. 4.05%
NAV GROWTH
16.00 LARSEN & TOUBRO LTD. 3.68%
DATE OF INCEPTION: Mar 20, 2007 STATE BANK OF INDIA 3.33%
ASSET ALLOCATION
Indicative Portfolio Allocation Max (%) Min (%) 14.00 Debt Asset Allocation Allocation in Fund
13.00 CORPORATE SECURITIES 11.96%
BENCHMARK 12.00 AA+ AND EQUIVALENT 0.82%
55% CNX 500 & 45% CRISIL Composite Bond Index AA EQUIVALENT AND BELOW 0.86%
11.00 CORPORATE MONEY MARKET SECURITIES 11.70%
10.00 EQUIVALENT) 11.70%
9.00
8.00
Mar-07 Oct-07 Apr-08 Nov-08 May-09 Dec-09 Jul-10 Jan-11 Average Maturity of Debt Portfolio (Months) 20.28
Pension Flexi Balanced Benchmark Average Maturity of Benchmark (Months) 44.6

Pension Funds
Pension Flexi Growth


NAV*** Rs.
equity and equity related instruments of large, mid and small cap AUM (Rs. Million): 61,332.32
Pension Flexi Growth Fund 14.53
companies.
Pension Flexi Growth Fund II 14.99
Allocation in
Asset Allocation
RISK PROFILE Fund
EQUITY 95.70%
Expected return

14.00%
Allocation as a
12.00% Sector Allocation % in Equity
10.00%
BANKING 15.37%
Risk CONSUMER 9.76%
6.00% OIL & GAS 8.73%
APPLICABLE PRODUCTS INFRASTRUCTURE 7.64%
4.00%
CAPITAL GOODS 6.12%
Product Pension Flexi Growth 2.00% AUTO 6.09%
LifeStage Pension I OTHERS 6.09%
LifeTime Super Pension II 0.00% EPC 4.47%
LifeTime Pension II II 1 Year 3 Year Since inception FINANCE 4.01%
LifeTime Pension I CEMENT 3.34%
PremierLife Pension II PHARMA & HEALTHCARE 3.20%
LifeLink Super Pension II Pension Flexi Growth Benchmark
TELECOM 2.65%
REAL ESTATE 0.12%
LifeLink Pension I
MEDIA 0.01%
NAV GROWTH
DATE OF INCEPTION: Mar 20, 2007 Allocation as a
19.00 % in Equity
ASSET ALLOCATION 18.00 H D F C BANK LTD. 6.84%
Indicative Portfolio Allocation Max (%) 17.00 I T C LTD. 4.87%
Min (%)
Equity & equity related securities 100 80 AXIS BANK LTD. 4.53%
16.00
LARSEN & TOUBRO LTD. 4.13%
Debt, Money Market & Cash 20 0 15.00 INFOSYS TECHNOLOGIES LTD. 3.96%
14.00 TATA CONSULTANCY SERVICES LTD. 3.58%
BENCHMARK 13.00
S&P CNX 500 BHARTI AIRTEL LTD. 2.65%
12.00
GAIL (INDIA) LTD. 2.45%
11.00 POWER GRID CORPN. OF INDIA LTD. 2.41%
9.00
KANSAI NEROLAC PAINTS LTD. 2.23%
8.00
N T P C LTD. 1.96%
6.00 SESA GOA LTD. 1.77%
Mar-07 Oct-07 Apr-08 Nov-08 May-09 Dec-09 Jul-10 Jan-11 WIPRO LTD. 1.55%
Pension Flexi Growth Benchmark BHARAT HEAVY ELECTRICALS LTD. 1.37%
LUPIN LTD. 1.37%

ULIP Funds Pension Funds
InvestShield Funds
InvestShield Cash InvestShield Life InvestShield Pension InvestShield Life - New
InvestShield Cash

The investment objective of this Plan is to provide accumulation of
NAV*** Rs.
income through investment in various fixed income securities. In AUM (Rs. Million): 5,835.32
Cash Plus Fund 15.9398
addition to protecting the capital, the Plan seeks to provide capital
Cash Plus Fund II 15.2399
appreciation while maintaining suitable balance between return,
safety and liquidity. Asset Allocation Allocation in Fund
RISK PROFILE
Expected return

9.00%
8.00% COMMERCIAL PAPER (P1+
7.00% AND EQUIVALENT) 22.45%
5.00%
4.00%
OTHER CURRENT ASSETS AND
Risk 3.00% EQUIVALENT 6.65%
2.00%
APPLICABLE PRODUCTS TOTAL 100.00%
1.00%
Product InvestShield Cash 0.00%
InvestShield Cash
Portfolio By Maturity Allocation in
3 Year 5 Year Since inception
Fund
InvestShield Cash Benchmark < 1 year 53.25%
DATE OF INCEPTION: Jan 3, 2005 1-5 years 39.70%
5-7 years 1.79%
ASSET ALLOCATION 7-10 years 2.15%
NAV GROWTH
> 10 years 3.11%
Indicative Portfolio Allocation Max (%) Min (%) T O TA L 100.00%
Debt, Money Market & Cash 100 100 Average Maturity of Debt Portfolio (Months) 22.60
15.00
14.50
BENCHMARK Yield to Maturity of Debt Portfolio 9.14%
CRISIL Composite Bond Index 14.00
13.50
13.00
12.50
12.00
11.50
11.00
10.50
10.00
Jul-05
Jul-10
Jan-05
Jan-11
Feb-06
Oct-07
Apr-08
Sep-06
Dec-09
Mar-07
Nov-08
May-09
InvestShield Cash Benchmark

InvestShield Funds
InvestShield Life

To provide a balanced investment between long-term capital
NAV*** Rs.
appreciation and current income while protecting the capital. AUM (Rs. Million): 1,787.33
Invest sheild Fund - Life 18.39
Investment will be in fixed income instruments as well as equity in
appropriate proportions, depending on market conditions prevalent Allocation in
from time to time. Asset Allocation
Fund
EQUITY 25.29%
RISK PROFILE DEBT 69.38%
Expected return
TOTAL 100.00%
12.00%
Allocation as a
% in Equity
BANKING 21.41%
8.00%
TECHNOLOGY 16.69%
OIL & GAS 12.07%
Risk CONSUMER 9.50%
4.00%
APPLICABLE PRODUCTS Allocation as a
2.00% Top 10 Equity Stocks
Product InvestShield Life % in Equity
InvestShield Life INFOSYS TECHNOLOGIES LTD. 10.60%
0.00%
InvestShield Gold RELIANCE INDUSTRIES LTD. 9.52%
3 Year 5 Year Since inception H D F C BANK LTD. 6.46%
I T C LTD. 5.88%
DATE OF INCEPTION: Jan 3, 2005 InvestShield Life Benchmark
ASSET ALLOCATION KOTAK MAHINDRA BANK LTD. 4.65%
Indicative Portfolio Allocation Max (%) Min (%) NAV GROWTH LUPIN LTD. 3.71%
Equity & equity related securities 30 0 JAIPRAKASH ASSOCIATES LTD. 3.52%
20.00
Debt, Money Market & Cash 100 70 H C L TECHNOLOGIES LTD. 3.27%
19.00
BENCHMARK Debt Asset Allocation Allocation in Fund

18.00
25% BSE 100 & 75% CRISIL Composite Bond Index GOVERNMENT SECURITIES/ T BILLS 4.24%
17.00
16.00 AAA AND EQUIVALENT 21.82%
15.00 AA EQUIVALENT AND BELOW 2.23%
13.00 AND EQUIVALENT) 20.29%
12.00
11.00 FIXED DEPOSITS WITH BANKS 19.00%
10.00
9.00 Average Maturity of Debt Benchmark (Months) 44.6
Jan-05 Jan-06 Jan-07 Jan-08 Jan-09 Jan-10 Jan-11
InvestShield Life Benchmark

InvestShield Funds
InvestShield Pension

NAV*** Rs.
appreciation and current income while protecting the capital. AUM (Rs. Million): 356.98
Invest sheild Fund - Pension 18.69
Fund
EQUITY 25.37%
Expected return
TOTAL 100.00%
12.00%
Allocation as a
% in Equity
BANKING 21.64%
8.00%
TECHNOLOGY 15.31%
OIL & GAS 12.05%
Risk CONSUMER 10.44%
4.00%
Product InvestShield Pensioin % in Equity
InvestShield Pension INFOSYS TECHNOLOGIES LTD. 9.49%
0.00%
3 Year 5 Year Since inception I T C LTD. 6.38%
DATE OF INCEPTION: Jan 3, 2005 InvestShield Pension Benchmark H D F C BANK LTD. 6.31%
ASSET ALLOCATION ALLAHABAD BANK 4.57%
NAV GROWTH
KOTAK MAHINDRA BANK LTD. 4.42%
20.00 MAHINDRA & MAHINDRA LTD. 4.33%
19.00
18.00
17.00
25% BSE 100 & 75% CRISIL Composite Bond Index GOVERNMENT SECURITIES/ T BILLS 4.12%
16.00
15.00 AAA AND EQUIVALENT 19.67%
14.00
12.00
11.00 CERTIFICATE OF DEPOSIT (P1+
10.00 AND EQUIVALENT) 0.00%
9.00
Jan-05 Jan-06 Jan-07 Jan-08 Jan-09 Jan-10 Jan-11
InvestShield Pension Benchmark Yield to Maturity of Debt Portfolio 8.97

InvestShield Funds
New InvestShield

NAV*** Rs.
appreciation and current income while protecting the capital. AUM (Rs. Million): 2,388.22
New Invest Shield Balanced Fund 15.49
Fund
EQUITY 35.28%
Expected return
TOTAL 100.00%
12.00%
Allocation as a
% in Equity
BANKING 22.02%
8.00%
TECHNOLOGY 16.29%
OIL & GAS 11.90%
Risk CONSUMER 9.43%
4.00%
Product New InvestShield % in Equity
InvestShield Life New INFOSYS TECHNOLOGIES LTD. 9.97%
0.00%
1 Year 3 Year Since inception H D F C BANK LTD. 7.59%
New InvestShield Benchmark I T C LTD. 6.32%
DATE OF INCEPTION: Aug 21, 2006
ASSET ALLOCATION MAHINDRA & MAHINDRA LTD. 5.29%
NAV GROWTH ALLAHABAD BANK 4.83%
KOTAK MAHINDRA BANK LTD. 4.34%
16.00
35% BSE 100 & 65% CRISIL Composite Bond Index 15.00 GOVERNMENT SECURITIES/ T BILLS 3.74%
14.00
12.00 EQUIVALENT) 20.67%
CERTIFICATE OF DEPOSIT (P1+ AND
11.00
EQUIVALENT) 0.00%
10.00
Aug-06 May-07 Feb-08 Nov-08 Aug-09 May-10 Jan-11
New InvestShield Benchmark Yield to Maturity of Debt Portfolio 8.76%

Product - Fund Matrix
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Balancer IV IV II I I II I I II II III II I II II I II II II
Protector IV IV II I I II I I II II III II I II II I II II II
Maximiser IV II I II I I II III II I II II I II II II
Preserver IV IV I I I I I I I I III I I I I I I I I
Multipiler IV IV II I I II I I II III II I II II I II II II
RICH IV IV II I II III II II
Flexi Balanced IV IV II I I II I I II II III II I II II I II I II
Flexi Growth IV IV II I I II I I II II III II I II II I II I II
Pension Balancer I II II I II II II I II II
Pension Protector I II II I II II II I II II
Pension Maximiser I II I II II II I
Pension Preserver I I I I I I I I I I
Pension Multiplier I II II I II II II I II II
Pension RICH I II II II II II
Pension Flexi Balanced I II II I II II II I II II
Pension Flexi Growth I II II I II II II I II II
InvestShield Life - New
InvestShield Life
InvestShield Cash
InvestShield Pension
I, II, III, IV refer to the fund series of the respective fund applicable to the product
The Investment Team

Advises
Overall Advice ICICI Prudential Highlights
• With volatility expected to continue in the near future, ATS may be used for any new • We are one of the market leaders in the Indian private life insurance space
investments.
• We currently have over Rs. 62,000 cr (as on January 31, 2011) in assets under
• For existing investments, determine your risk profile and optimal asset allocation if not management.
already done so. Determine the current asset allocation of your overall investment
portfolio. Make suitable adjustment to your portfolio to bring it in line with your • We are capitalized at Rs. 4,780 cr (as on January 31, 2011) making us one of India's
optimal asset allocation. You can use Switch or ATS facilities to easily adjust your highest capitalized companies across sectors
asset allocation.
Investment Team
• Mr. Manish Kumar • Mr. Jitendra Arora

Senior Vice President and Vice President and
Head - Investments Fund Manager - Fixed Income
• Mr. Arun Srinivasan • Mr. Lakshmikanth Reddy

Vice President and Fund Senior Vice President and
Manager - Fixed Income Fund Manager - Head of Equity
• Ms. Meghana Baji

Vice President - Investment
and Risk Management
The 5 Mantras of
Financial Freedom Goal Based Investing
We all invest with certain goals in mind which can range

Managing one's financial investments may appear very complicated given all the confusing from buying a car, to children’s higher education, to
advice around and the jargon people often use. We will give you an overview of how we retirement. It is important to recognize these goals and
manage the complex part on the next page. Here, we discuss the critical few things you need to build a plan suitable for each. One needs to particularly
keep in mind. Think of them as your mantras of financial freedom. take note of the time horizon and level of risk one can take
for each of these goals. For instance, if next year one plans
to send his daughter to a foreign university, he cannot
take any risks and it would be best to invest in something
like a fixed deposit. Conversely with something like
retirement, this if a long time away, one must have some
Start Early, Stay Long Term exposure to equities since one can tolerate short term
volatility for better returns in the long run.
While most of us know this, few recognize the incredible
‘power of compounding' that forms the basis of this
maxim. For example, a person who invests Rs. 2 lac each Regular Investments
year for 30 years and another person who invests Rs. 3 lac
each year for 20 years would both have invested Rs. 60
This is another piece of advice that we hear very often and
lacs. However, at 10% rate of return, the first person will
which has its basis in a key concept called ‘rupee cost
end up with over Rs. 3.6 crore and the second person with averaging’. The simple fact to recognize is that no one can
not even Rs. 1.9 crore, a difference of almost 50% ! The consistently time the market. In fact we make things
messege is clear, resist the temptation to splurge today. worse by trying to time the market, because our
Go that extra mile to invest whatever you can as early as psychology is such that we generally invest more when
you can. Your Golden Years depend on it! markets are high and everybody is cheerful, and likewise
become fearful and invest less when markets are low,
whereas we should be doing the opposite! Rupee Cost Averaging implies that by sticking to a
Asset Allocation systematic plan of investing regularly, say every month or quarter, we minimize the risk of
entering the market when it is at its peak or missing our when valuations are at their most
attractive. The Automatic Transfer Strategy (ATS) is an ideal tool to ensure regular investments.
This is a key decision to be taken and is responsible
for attaining the significant returns that one gets
over a long period of time. Asset allocation basically
refers to the balance an investor maintains between Cover Your Financial Risks
his or her exposure to debt and equity instruments.
The greater a person's risk taking ability the more
investments he should assign to equity, and the We have all heard stories from friends or relatives about
higher will be the returns he will potentially make in how a sudden illness or death completely degraded the
the long-run. Risk appetite in turn depends on lifestyle of someone they knew. Some of us take the
factors like age, income, dependants, investment horizon, inherent risk appetite, etc. Based on cavalier attitude “Oh that will never happen to me”.
these parameters, an investor may calculate his optimal asset allocation using the calculator on Likewise there will be others who worry excessively and
our website. One should invest sticking closely to this asset allocation. Every quarter, asset become victims of fear keeping their savings in liquid
allocation of one's investments should be reviewed and the fund switch feature should be used assets thus foregoing higher returns. Of course, the smart
to bring asset allocation back in line with optimal asset allocation. Through this mechanism, ones insure away all their risks, and their fears. For a fee
one systematically invests more in equities when markets are low and less when markets are (premium), insurance companies can insure against
high, thus generating superior returns in the long run without worrying about things like almost all risks such as death, illness, accidental disability, even house theft or fire. It is
timing the market. important to adequately cover the financial risks and live a life free from the burden of fear or
low yielding ‘emergency funds’. For more details on how much life cover you need use the
human life value calculator on our website.
How we go about
Managing your Money
The cornerstone of our investment philosophy is the investment policy put in place by our board's investment committee keeping in mind policyholders' long-term interests and regulatory
norms. Following are some of the salient features of our investment philosophy as detailed in this charter:
Process-driven approach to investments: Superior risk adjusted returns: The investment

Every fund has a defined investment objective, policy has well defined limits on permissible risks
a benchmark suitable to the objective and pre- that can be taken even as it gives freedom to fund
decided style of investing so that fund managers to out perform the relevant benchmarks.
performance is not a function only of a specific The idea is not only to earn high returns but to do so
fund manager's skill but rather an outcome of without taking high risks. We have a qualified and
policy defined features. experienced team of fund
Policyholders in insurance managers who continuously
products commit money analyze the factors affecting
for the long-term and the market movements like
investment performance economic fundamentals,
cannot be purely subject institutional fund flows and
to a specific fund market sentiment. Their
manager's skill or constant endeavour is to
competence who may or maximize risk adjusted returns.
may not be consistent
over the long-term.
Safety is paramount: Regulatory guidelines: Life

One of our primary insurance companies in India
objectives is the safety of are regulated by Insurance
your investments and Regulatory Development
stability of returns. We Authority (IRDA), and these
ensure that our regulations focus on:
investment portfolio is (I) safety of investors' money
adequately diversified by defining a minimum
and adheres to high standards of quality. Our acceptable quality of the investment portfolio, and
investment policy does not permit us to follow (ii) transparency in terms of adequate disclosures
risky strategies, whatever be the reward, such about portfolio.
as holding poor quality credit or under
diversified portfolios, etc.
Glossary of Terms
Fund: This is a collective pool of money created from the period. Generally when reporting for a period longer Equity: Equity investment means holding shares of
individual investments such that each individual shares risks than 1 year, the return is annualized (generally using the companies, meaning that the investor is taking part
and rewards in the proportion of their contribution. Since a CAGR method) for the purpose of comparison. For example ownership of a company rather that lending to the
fund is managed as a single investment vehicle, all the if in the last 1 year, the NAV of a fund has increased from Rs. company. As a part owner of a business, the shareholder
investors will face the same risks and rewards. A 20 to Rs. 25, then absolute return (and in this case the shares all the risks and rewards of the business. Several
professional fund manager invests the fund according to annualized return as well) is (25-20)÷20=25%. If over the factors lead to appreciation in equity investments - all of
the objective of the fund defined in the offer document or last 2 years, the NAV has grown from Rs. 15 to Rs. 30 then which in some way relate to current and future prospects of
policy document. In case of a policyholder who pays the absolute return in 2 years is (30-15)÷15=100%; the business of the company, also called fundamentals.
premium, a predetermined part of this is used to pay for life however the annualized return, or compound annual Because of the variable nature of these factors, equity
cover and other expenses. The remaining part of the growth rate is 41.4% per annum. investments are more risky than debt investments, but have
premium is the investment which is put in the various funds historically shown signifantly better returns in the long-run
(such as Maximiser and Balancer) as per the investor’s Benchmark: Every investment has to have a yardstick to (investment horizon greater than 5 years).
instructions. The investor is free to change the allocation of evaluate whether it has met the objective of investment. A
investments at any time during the term of the policy. benchmark is a standard against which the performance of Sharpe Ratio: This is a popular measure of risk adjusted
a fund can be compared. The benchmark for each fund is returns. This is an important measure because it is
NAV: Net Asset Value of a fund on a given day is the total predetermined based on the investment objective and inaccurate to compare the returns of funds that have
closing value of the securities held in the portfolio of the target asset allocation of the fund. At a macro level, a different risk profiles or objectives. For instance, fund A may
fund divided by the number of units outstanding. When a benchmark captures the average returns of all funds which perform better than fund B but this may be because it is
person invests a sum (say Rs. 10000) in a fund on a certain have the same objective and funds that perform better than investing in small cap companies that are more risky. Sharpe
day when the NAV was Rs. 20 per unit he is assigned the benchmark can be said to be better than the average. ratio helps to compare the returns of funds taking into
10000÷20=500 units. On any given day, the investor can Benchmarks can be either those that are readily available in account the riskiness of returns, and is defined as reward of
find the value of his investment in the fund by multiplying the market or synthetically created. For example, Maximiser- investing in a risky asset per unit risk taken. More accurately,
the units he holds by the NAV of the day. So if the NAV of the a pure equity fund uses an equity benchmark the BSE 100, it is measured as:
fund has become Rs. 30 per unit, the investor can calculate where as Balancer- a fund that invests 35% in equity and
the value of his holdings as 500x30=Rs. 15000. The NAV 65% in debt uses a synthetic benchmark Sharpe Ratio = Annualized Excess Return
changes with changes in value of investments in the fund. consisting of 35% BSE 100 and 65% CRISIL composite Annualized Std Deviation of Excess Returns
bond index.
Risk: Concept of risk of an investment essentially captures Excess Return is the difference between the fund return and
the possibility of loss in that investment. Risk, in terms of Debt: Debt or fixed income as an asset class refers to the risk free rate of return. Standard Deviation is a common
portfolio management, is defined as variability of the investment in securities that have well defined pay offs, and measure of risk. So a higher Sharpe Ratio means a fund has
returns of a fund or more correctly expected variability. So if mostly pf a fixed nature or a fixed rate of return for a fixed given superior returns (over an asset that has no risk such as
fund A and fund B both given 10% annualized returns, period. Because of the fixed nature of returns debts as an a government security) for every unit of risk.
however fund A gives this same 10% consistently every year asset class is less risky than equity. All securities where the
but fund B gives 3% in one year, 12% in another year and borrower is the government are classified as government ATS: Automatic Transfer Strategy helps to mitigate any risk
so on but still averages 10% per annum in the long run, securities or gifts and have a negligible level of risk of arising from market volatility by ensuring that you buy more
then fund B is said to be more risky than fund A. Risk is default, i.e., Non-payment. Other borrowers have varying units at lesser prices and fewer units when prices are high.
generally measured as standard deviation or variance of levels of risk of default, determined by a neutral third party Under ATS you can invest your entire premium in our money
returns. For similar levels of returns a rational investor will such as CRISIL or Moody by looking at the financial strength market funds (which are more conservative funds) and at
always choose the least risky asset. of the borrower and being described in the rating of the predefined regular monthly intervals, i.e. 1st or 15th of
security where AAA is the safest followed by AA+,AA and every month, a fixed amount chosen by you is transferred to
Returns: Return is the reward one has got for taking risk so on. Among debt securities there are various types of any one of the chosen equity based fund options available
and giving time. Absolute rate of return (or simply return) in instruments viz., money market instruments, Certificate of under the plan. This facility is available for customers opting
a period is the ratio of increase (or decrease) in the NAV of Deposits, Fixed Deposits, Corporate bonds, Gifts, Loans, for Fixed Portfolio Strategy and is FREE of charge.
the fund at the end of the period over the NAV at the start of etc., which have different maturity, risk and reward profiles.
Contact Us
Choose a convenient contact option from the following
Visit our website: Exclusive SMS Helpline: Email us at: Call toll-free on:
www.iciciprulife.com SMS ‘INFO’ to 56767 lifeline@iciciprulife.com 1-800-22-2020
IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICY HOLDER. This document is for information purposes only. It does not constitute any
recommendation to any person to enter into any transaction or adopt any investment strategy, nor does it constitute any prediction of likely future movements in NAVs. All opinions given here
are general in nature and clients should take into account their personal investment objectives, risk appetite and other aspects of their financial situation before making an investment decision.
Please invest or make any decision regarding your financial activities only after consulting your financial advisor. ICICI Prudential shall not be responsible for any losses caused or any claims that
arise due to investments made based on this newsletter. All fund performances published in this newsletter are based on past performance and do not imply that future performance will be
similar. Please note that the funds are invested in capital markets and are hence exposed to the market risks inherent in such investments. While every effort has been made to ensure accuracy of
the contents of this newsletter the Company cannot be held responsible for any errors, opinions or projections published herein. © 2009, ICICI Prudential Life Insurance Company Ltd. Registered
Office: ICICI Prulife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025. Reg. No. 105, Insurance is the subject matter of the solicitation. Unlike traditional products, Unit
linked insurance products are subject to market risk, which affect the Net Asset Values and the customer shall be responsible for his/her decision. The name of the Company, or names of the
product or fund options do not indicate their quality or future guidance on returns. Funds do not offer guaranteed or assured returns. Investments are subject to market risk. Past performance
may not be guide to future performance, which may be different. Comp/doc/2009/VR1
UIN Nos. LifeStage Regular Premium - 105L073V01, LifeStage Assure - 105L083V01, Life Time plus - 105L054V01, LifeTime Gold - 105L077V01, LifeTime Super - 105L056V01,
LifeTime II - 105L031V01, LifeTime - 105L013V01, Premier Life Gold - 105L061V01, Premier Life - 105L037V01, Wealth Advantage - 105L085V01, LifeLink Super - 105L053V01,
LifeLink II - 105L033V01, LifeLink - 105L012V01, SmartKid New Unitlinked Regular Premium - 105L058V01, SmartKid Unitlinked Regular Premium Plan II - 105L036V01,
SmartKid Unitlinked Regular Premium Plan - 105L028V01, SmartKid New UnitLinked Single Premium - 105L059V01, SmartKid Single Premium II - 105L035V01,
SmartKid Single Premium - 105L029V01, Golden Years - 105L047V01, LifeStage Pension - 105L075V01, LifeTime Super Pension - 105L055V01, LifeTime Pension II - 105L032V01,
LifeTime Pension - 105L015V01, Premierlife Pension - 105L074V01, LifeLink Super Pension - 105L057V01, LifeLink Pension II - 105L034V01, LifeLink Pension - 105L016V01,
Elite Pension - 105L094V01, LifeStage Assure Pension - 105L092V01, InvestShield Life New - 105L063V01, InvestShield Life - 105L042V01, InvestShield Cash - 105L041V01,
InvestShield Pension - 105L043V01
For more details please contact your financial advisors or log on to our website www.iciciprulife.com or email us at lifeline@iciciprulife.com

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February, 2011

(As on January 31, 2011)

Our Investment Philosophy

With this in mind, our investment

Our aim is to achieve superior returns

Invest Shield Funds

Find your Fund

The Investment Team Advises

5 Mantras of Financial Freedom

How we Manage your Money

Performance Summary Find your Fund The Investment Team Advises

5 Mantras of Financial Freedom How we Manage your Money Glossary of Terms

Annualized Returns Equity Market Debt Market

Flexi Growth 2.95% NA 10.68% 0.58% NA 9.97% N.A. N.A. 20-Mar-07

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

AAA AND EQUIVALENT 32.81%

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

*** Last Declared NAV (January 31, 2011)

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

ANNUALIZED RETURNS AAA AND EQUIVALENT 7.29%

DATE OF INCEPTION: May 17, 2004 12.00

ASSET ALLOCATION 11.00

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

DEBT AND OTHER CURRENT ASSETS & EQUIVALENT 5.34%

*** Last Declared NAV (January 31, 2011)

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

*** Last Declared NAV (January 31, 2011)

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

DEBT AND OTHER CURRENT ASSETS & EQUIVALENT 3.16%

*** Last Declared NAV (January 31, 2011)

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

ANNUALIZED RETURNS OTHER CURRENT ASSETS AND EQUIVALENT 2.43%

*** Last Declared NAV (January 31, 2011)

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

CRISIL Composite Bond Index

Pension Protector Benchmark

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

DEBT AND OTHER CURRENT ASSETS & EQUIVALENT 7.91%

DATE OF INCEPTION: May 31, 2002 NAV GROWTH Allocation as a

AXIS BANK LTD. 2.44%

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

ANNUALIZED RETURNS AAA AND EQUIVALENT 5.26%

Money Market & Cash 100 50 13.50

Pension Preserver Benchmark

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

DEBT AND OTHER CURRENT ASSETS & EQUIVALENT 2.43%

For full portfolio details please Click Here

FUND OBJECTIVE PERFORMANCE SUMMARY PORTFOLIO

ANNUALIZED RETURNS TOTAL 100.00%