Vision: To be a leading global reinsurance and risk solution provider Mission: - To achieve our vision by - Building long-term mutually

beneficial relationship with business partners. - Practicing fair business ethics and values - Applying state-of-art technology, processes including enterprise risk management and innovative solutions - Developing and retaining highly motivated professional team of employees - Enhancing profitability and financial strength befitting the global position Core Values: - Trust and mutual respect - Professional excellence - Integrity and transparency - Commitment - Responsive Service History: The entire general insurance business in India was nationalised by General Insurance Business (Nationalisation) Act, 1972 (GIBNA). The Government of India (GOI), through Nationalisation took over the shares of 55 Indian insurance companies and the undertakings of 52 insurers carrying on general insurance business. General Insurance Corporation of India (GIC) was formed in pursuance of Section 9(1) of GIBNA. It was incorporated on 22 November 1972 under the Companies Act, 1956 as a private company limited by shares. GIC was formed for the purpose of superintending, controlling and carrying on the business of general insurance. As soon as GIC was formed, GOI transferred all the shares it held of the general insurance companies to GIC. Simultaneously, the nationalised undertakings were transferred to Indian insurance companies. After a process of mergers among Indian insurance companies, four
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companies were left as fully owned subsidiary companies of GIC (1) National Insurance Company Limited, (2) The New India Assurance Company Limited, (3) The Oriental Insurance Company Limited, and (4) United India Insurance Company Limited . The next landmark happened on 19th April 2000, when the Insurance Regulatory and Development Authority Act, 1999 (IRDAA) came into force. This act also introduced amendment to GIBNA and the Insurance Act, 1938. An amendment to GIBNA removed the exclusive privilege of GIC and its subsidiaries carrying on general insurance in India. In November 2000, GIC is renotified as the Indian Reinsurer and through administrative instruction, its supervisory role over subsidiaries was ended.

Shri Ashok Kumar Roy Chairman-cum-Managing Director (officiating)

Our Business:

As a sole reinsurer in the domestic reinsurance market, GIC provides reinsurance to the direct general insurance companies in the Indian market. GIC receives statutory cession of 10% on each and every policy subject to certain limits. It leads many of domestic companies treaty programmes and facultative placements. GICs capacity for each class of business on Treaty and Facultative basis for domestic business is given in the following table.

A GIC is spreading its wings to emerge as an effective reinsurance solutions partner for the Afro-Asian region and has started leading the reinsurance programmes of several insurance companies in SAARC countries, South East Asia, Middle East and Africa. To offer its international clientele an easy accessibility, efficient service and tailor made reinsurance solutions; GIC has opened liaison/representative/branch offices in London and Moscow. GIC provides following capacities for Treaty and Facultative business on risk emanating from the international market based on merits of the business.

Investments were made within the regulatory framework of Insurance Act, and IRDA Regulations and within corporate policy. The funds of the Corporation are managed in-house.

. IRDA regulations stipulates that without prejudice to Section 27 or 27(b) of the Act, every insurer carrying on General Insurance Business shall invest and at all times keep invested his total assets in the following manner. Regularetory Framework: The functioning of GIC has to be within the regulations of the following major Acts:

The Companies Act, 1956 Insurance Act, 1938 General Insurance Business (Nationalisation) Act, 1972 General Insurance Business (Nationalisation) Amendment Act. 2002. Insurance Regulatory and Development Authority Act, 1999 Certificate of Registration with IRDA Certificate of Renewal of Registration from IRDA for 2010-11

Registered and Head Office: "Suraksha", 170, Jamshedji Tata Road,Churchgate, Mumbai - 400 020 India Tel. (Board): +91 22 2286 7000 FaxNo: +91 22 2289 9600 Email : info@gicofindia.com

UTI MUTUAL FUNDS Vision To be the most preferred Mutual Fund Mission To make UTI Mutual Fund:

The most trusted brand that is admired by all stakeholders The largest and most efficient wealth manager with global presence The best-in-class customer service provider The most preferred employer The most innovative and best wealth creator A socially responsible organisation known for best corporate governance

Genesis January 14, 2003 is when UTI Mutual Fund started to pave its path following the vision of UTI Asset Management Co. Ltd. (UTIAMC), which was appointed by UTI Trustee Co, Pvt. Ltd. for managing the schemes of UTI Mutual Fund and the schemes transferred/migrated from the erstwhile Unit Trust of India. UTIAMC provides professionally managed back office support for all business services of UTI Mutual Fund in accordance with the provisions of the Investment Management Agreement, the Trust Deed, the SEBI (Mutual Funds) Regulations and the objectives of the schemes. State-ofthe-art systems and communications are in place to ensure a seamless flow across the various activities undertaken by UTIMF. Since February 3, 2004, UTIAMC is also a registered portfolio manager under the SEBI (Portfolio Managers) Regulations, 1993 for undertaking portfolio management services. UTIAMC also acts as the manager and marketer to offshore funds through its 100 % subsidiary, UTI International Limited, registered in Guernsey, Channel Islands. Assets Under Management UTIAMC presently manages a corpus of over Rs 5781734.00 lakhs as on December 31st 2011(source: www.amfiindia.com). UTI Mutual Fund has a track record of managing a variety of schemes catering to the needs of every class of citizens. It has a nationwide network consisting 148 UTI Financial Centres (UFCs) and UTI International offices in London, Dubai and Bahrain. UTIAMC has a well-qualified, professional fund management team, which has been fully empowered to manage funds with greater efficiency and accountability in the sole interest of the unit holders. The fund managers are ably supported by a strong in-house securities research
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department. To ensure investors interests, a risk management department is also in operation. Reliability UTIMF has consistently reset and upgraded transparency standards. All the branches, UFCs and registrar offices are connected on a robust IT network to ensure cost-effective quick and efficient service. All these have evolved UTIMF to position as a dynamic, responsive, restructured, efficient and transparent entity, fully compliant with SEBI regulations. Investment Philosophy
UTI Mutual Funds investment philosophy is to deliver consistent and stable returns in the medium to long term with a fairly lower volatility of fund returns compared to the broad market. It believes in having a balanced and well-diversified portfolio for all the funds and a rigorous in-house research based approach to all its investments. It is committed to adopt and maintain good fund management practices and a process based investment management. UTI Mutual Fund follows an investment approach of giving as equal an importance to asset allocation and sectoral allocation, as is given to security selection while managing any fund. It combines top-down and bottom-up approaches to enable the portfolios/funds to adapt to different market conditions so as to prevent missing an investment opportunity. In terms of its funds performance, UTI Mutual fund aims to remain consistently in the top quartile vis--vis the funds in the peer group.

Sponsors:
We are sponsored by three leading public sector banks the Bank of Baroda, Punjab National Bank and the State Bank of India and the Life Insurance Corporation of India (LIC), the largest public financial investment institution and life insurer in India. Bank of Baroda Since inception, Bank of Baroda has always maintained its practice of sound, value-based banking to emerge as one of the premier public sector banks in the country today. It has a track record of uninterrupted profits since inception in 1908. The financial strength of the bank and its long tradition of efficient customer service are drawn substantially from the extensive reach of its 3100-strong branch network covering almost every state and union territory in the country. It is also one of the few Indian banks with a formidable presence overseas with 48 branches with the total branch network tally standing at 3148 as on 31.03.2010. Life Insurance Corporation of India Life Insurance Corporation of India (LIC) is amongst the largest insurance companies in the world, with 2048 branches and with a fund size of Rs. 9,99,517.59 crore.

Punjab National Bank Punjab National Bank is a commercial bank with the main objective being the facilitation of acquisition and transfer of the undertaking of certain banking companies, with regard to their size, resources coverage and organization. They do so in order to meet progressively and serve the needs of the development of the economy and to promote the welfare of the people of India. As on 31.03.2010, Punjab National Bank had 4997 domestic offices including 46 extension counters, 5 foreign branches and a deposit size of Rs. 2,49,330 crore. State Bank of India The State Bank of India is the largest public sector bank in India with 12,496 branches in India and 142 overseas offices in 32 countries as on 31.03.2010. In addition to this, SBI also has 22 subsidiaries.
The sponsors are neither responsible nor liable for any loss resulting from the operation of the scheme beyond the contribution of Rs.10,000/- made by them towards setting up the Mutual Fund.

Trustee :
UTI Trustee Company Private Limited, a company incorporated under The Companies Act, 1956 will be the Trustee of transferred/migrated schemes, which is the first and sole trustee of the Mutual Fund under the Trust Deed dated December 9, 2002 executed between the Sponsors and the Trustee Company (the Trustee). Registered Office
UTI Tower, GN Block, Bandra - Kurla Complex, Bandra (East), Mumbai - 400 051

Board of Directors : Mr. Pradeep Gupta

IRBI
Mission Providing a full range of Indian consumers on the basis of the payment service pay for all services in a "cashier". Strategy The main strategic focus on Pay-24 Ltd is to strengthen the leading position in the Indian market of payment systems and electronic commerce. About company Pay-24 Ltd managed to unite a team of professionals involved in the integration of payment systems, the processing center and software that is the result of a 5-year ITspecialists. Today the company is a leader in payment systems, providing the public a convenient, reliable and quick way to pay for mobile operators, Internet service providers, television, pay utility bills and other goods and services. Our company offers integrated technology solutions for organizations of payment acceptance points: hardware and software adapted to any work environment. The system provides high-speed transaction processing. The work of highly qualified specialists of the company allows to quickly create the most comfortable working conditions for our partners, ensuring stable revenue growth of each dealership. Pay-24 Ltd is constantly working to improve systems and improving the quality of service that ensures the forefront of the market for payment systems. Providers: irbi is one of the largest operators in India to provide services to express payment. We managed to unite a team of professionals involved in the integration of payment systems, the processing center and software that is the result of a 5-year development of ITspecialists. Today the company is a leader in the payment system, giving people a convenient, reliable and quick way to pay for mobile operators, Internet service providers, television and other goods and services. The system provides high-speed transaction processing. The work of highly qualified specialists of the Company allows you to quickly create the most comfortable working conditions for our partners. irbi constantly working to improve systems and improving the quality of service that ensures the forefront of the market for payment systems.
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Advantages of cooperation with the payment system irbi: Reducing the load on the cash settlement department of your company; A significant expansion of the payment without any additional investments; Implementation of joint projects for automation, such as automatic transfer meter readings;

We invite you to join our billing system, adding the possibility to pay for their services through the widest network of payment points! If necessary, qualified specialists of our company will prepare for you all the necessary documents and develop software, conduct the necessary training. Cooperating with us, you can significantly increase the number of points of payment and increase the convenience of payment offered by your service provider. Bright design and user-friendly interface of the payment terminal will not ignore your service, and memorable brand will serve as a faithful guide your client to replenish the account in the future. For maximum efficiency, we carefully monitor the process for each payment, putting every effort to ensure that the user terminal has returned to it again. With the payment system irbi You can quickly and at no additional cost to organize the business to receive payments from individuals. The list of providers, in whose favor can receive payments is growing, these are the main groups: mobile and fixed telephony providers of commercial television and the Internet, housing, utilities, airlines, security alarm systems and many others. Payment System irbi a complete solution for business, which includes payment terminals, software and services necessary for the successful development of your business. Benefits irbi is a universal payment tool that integrates many types of payment in a single unified algorithm. We offer our clients a flexible and reliable system, which can be used to carry out any on-line payments. Safety, reliability, ease of use, versatility, efficiency of payment processing everything is a payment system irbi. Recognition User defined software modules, a popular brand name irbi all this will ensure that awareness and gain confidence, and as a consequence, increase the number of payments and increase your profitability with the payment system irbi.

Technical support In each region, the presence of the payment system irbi located service centers, where you can receive full support in dealing with legal, financial and accounting matters, as well as purchase the necessary equipment and componentry from printer paper to self-service terminals in different versions. Round the clock technical support to solve any technical issues at any time. Free round the clock call-center to relieve taxpayers of our agents need to maintain their call-center, use human resources and, consequently, to bear the additional financial costs. Providers Payment System irbi provides pay more than 50 service providers across India. Implemented the payment of air tickets of the company KLM, Lufthansa, Air France, EgyptAir. The company is constantly expanding its list of providers, thereby following in step with market needs, as well as the wishes of their agents. Hardware and software capabilities Payment System, irbi offers a wide range of hardware and software solutions to receive payments, so you can choose the most convenient way of payment agent.

Payment terminals; Mounted terminals; Street terminals; Posterminals.

And wide-range software choice as well

Payment terminals software; Mobile pos-terminals software; Javaterminals for mobile phones; Winterminals for PC; Xmlgetway.

Actual address: India, Plot No 30, Sector 33, Gurgaon, Haryana, India. P.O. Box - 122002