Kotak Annual Fund Update 2019

ANNUAL FUND UPDATE 2018-19
FUND UPDATE
YOUR INVESTMENT PERFORMANCE
CONTENTS
Market Outlook Fund Performance Contents Individual Funds Group Funds
ANNUAL FUND UPDATE

AS ON 31st MARCH 2019
INDIVIDUAL FUNDS
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theFund
FundName
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KOTAK GUARANTEED GROWTH FUND

MARKET OUTLOOK 2 (ULIF-013-27/06/03-GRTGWTFND-107)
27
KOTAK GUARANTEED BALANCED FUND
FUND PERFORMANCE OF ULIP FUNDS 7 (ULIF-010-27/06/03-GRTBALFND-107)
28
PENSION CLASSIC OPPORTUNITIES FUND
PRODUCT - FUND MATRIX 10 (ULIF-042-07/01/10-PNCLAOPFND-107)
29
CLASSIC OPPORTUNITIES FUND KOTAK PENSION OPPORTUNITIES FUND
(ULIF-033-16/12/09-CLAOPPFND-107)
12 (ULIF-032-17/07/09-PNOPPFND-107)
30
FRONTLINE EQUITY FUND PENSION FRONTLINE EQUITY FUND
(ULIF-034-17/12/09-FRLEQUFND-107)
13 (ULIF-044-11/01/10-PNFRLEQFND-107)
31
DYNAMIC FLOOR FUND II PENSION GUARANTEE FUND
(ULIF-035-17/12/09-DYFLRFND2-107)
14 (ULIF-038-21/12/09-PNGRTFND-107)
32
BALANCED FUND KOTAK PENSION GROWTH FUND
(ULIF-037-21/12/09-BALKFND-107)
15 (ULIF-030-07/01/09-PNGWTFND-107)
33
KOTAK OPPORTUNITIES FUND KOTAK PENSION FLOOR FUND
(ULIF-029-02/10/08-OPPFND-107)
16 (ULIF-031-13/07/09-PNFLRFND-107)
34
KOTAK AGGRESSIVE GROWTH FUND PENSION FLOOR FUND II
(ULIF-018-13/09/04-AGRGWTFND-107)
17 (ULIF-043-08/01/10-PNFLRKFND2-107)
35
GUARANTEE FUND KOTAK PENSION BALANCED FUND
(ULIF-048-05/02/10-GRTFND-107)
18 (ULIF-011-27/06/03-PNBALFND-107 )
36
MONEY MARKET FUND PENSION BALANCED FUND II
(ULIF-041-05/01/10-MNMKKFND-107)
19 (ULIF-046-24/01/10-PNBALFND2-107)
37
KOTAK DYNAMIC GROWTH FUND KOTAK PENSION BOND FUND
(ULIF-012-27/06/03-DYGWTFND-107)
20 (ULIF-017-15/04/04-PNBNDFND-107)
38
DYNAMIC FLOOR FUND KOTAK PENSION GILT FUND
(ULIF-028-14/11/06-DYFLRFND-107)
21 (ULIF-008-27/06/03-PNGLTFND-107)
39
KOTAK DYNAMIC BALANCED FUND KOTAK PENSION FLOATING RATE FUND
(ULIF-009-27/06/03-DYBALFND-107)
22 (ULIF-022-07/12/04-PNFLTRFND-107)
40
KOTAK DYNAMIC BOND FUND PENSION MONEY MARKET FUND II
(ULIF-015-15/04/04-DYBNDFND-107)
23 (ULIF-039-28/12/09-PNMNMKFND-107)
41
KOTAK DYNAMIC GILT FUND KOTAK ADVANTAGE MULTIPLIER FUND II
(ULIF-006-27/06/03-DYGLTFND-107)
24 (ULIF-026-21/04/06-ADVMULFND2-107)
42
KOTAK DYNAMIC FLOATING RATE FUND DISCONTINUED POLICY FUND
(ULIF-020-07/12/04-DYFLTRFND-107)
25 (ULIF-050-23/03/11-DISPOLFND-107)
43
PEAK GUARANTEE FUND I
(ULIF-049-14/02/10-PKGRTFND1-107)
26
GROUP FUNDS
Click on the Fund Name for details
KOTAK GROUP DYNAMIC FLOOR FUND KOTAK GROUP SECURE CAPITAL FUND
(ULGF-015-07/01/10-DYFLRFND-107)
45 (ULGF-016-12/04/11-SECCAPFND-107)
51
KOTAK GROUP BALANCED FUND KOTAK GROUP SHORT TERM BOND FUND
(ULGF-003-27/06/03-BALFND-107)
46 (ULGF-018-18/12/13-SHTRMBND-107)
52
KOTAK GROUP BOND FUND KOTAK GROUP PRUDENT FUND
(ULGF-004-15/04/04-BNDFND-107)
47 ANNEXURE
(ULGF-019-04/07/17-KGPFFND-107)
53
KOTAK GROUP GILT FUND
(ULGF-002-27/06/03-GLTFND-107)
48 DISCLAIMER
ANNEXURE 59
54
KOTAK GROUP FLOATING RATE FUND
(ULGF-005-07/12/04-FLTRFND-107)
49 DISCLAIMER 60
KOTAK GROUP MONEY MARKET FUND
(ULGF-001-27/06/03-MNMKFND-107)
50
AS ON 31st MARCH 2019 ANNUAL FUND UPDATE 01

MARKET OUTLOOK
ANNUAL FUND UPDATE

Investment Objective
The investment objective is to ensure that returns on policyholder’s funds are consistent with the
protection, safety and liquidity of such funds, while ensuring that the liabilities in respect of each of
the funds are supported by a diversified pool of investments and assets, held under the respective fund
wherein the asset classes, asset allocation and asset selection are compliant with the nature of liabilities,
investment objective for each of the funds and, IRDAI Investment Regulations and Insurance Act.
There are well-defined categories of funds across the risk-return spectrum. Based on the objectives and
risk return profile of each fund, investments are made in various assets classes like equity and debt.
The Investment team is adequately staffed and structured for effective management of respective
funds and also to ensure independent checks and monitoring of investment performance. A process
driven and moderate risk approach is followed. While choosing stocks in portfolio, the business model,
competitive edge, management quality, sustained economic earnings, and corporate governance is
assessed. The equity portfolio has a bias towards industry leaders and growth companies. In case of
debt, emphasis and focus is on safety, liquidity and returns with prime importance given to duration
management with a view on interest rates.
Risk Control
Investment risk is managed by creating a portfolio of different asset classes and of varied maturities
depending on the fund objective so as to spread risk across a wide category of the investee companies,
groups as well as the industries in accordance with the prudential exposure norms and regulation
stipulated by the IRDA. Investment Committee which acts as the policy making body for the investment
operations, periodically discusses the investment strategy, portfolio structures, performance of the
portfolio and other issues relating to the investment portfolio. The Asset & Liability Management
Committee reviews the asset liability management strategy, investment risk, and other related risks
periodically. The Credit Committee approves the credit limit for each investee company and also does
a periodical review of the existing exposure of debt investments in companies.
Year Gone By – Markets
FY19 was a volatile year for almost all asset class. Indian equities (Nifty50) were intially up 16.1% till
Aug 18 then fell 14.6% in two months till Oct18 only to regain the lost ground and settle at 14.9%
for the period. Nifty Midcap50 and Nifty Small cap indices underperformed Nifty50 by huge margin
of 12.9% and 33.4% respectively. 10 year benchmark yields made a high of 8.18% in Sep 18 only to
fall substantially by 82 bps to end FY19 at 7.35%. It made a low of 7.22% in Dec 18. USD INR initially
depreciated 14.1% till Oct 18 but later on recovered and ended the year with 6.1% depreciation.
Gold ended FY 19 with 2.5% loss in USD terms. After an upmove of 31.6% in FY 18, Crude was up
another 24.1% till Oct18. However, from FY19 high of USD86.2/bbl in Oct 18 it fell 41.5% to make
FY19 low of USD 50.5/bbl and finally settled at USD 68.4/bbl down 1.6% for the year. In FY19, FIIs
(Foreign Institutional Investors) initially sold USD 6.7bn of indian equities till Dec 18, however in the
last quarter of FY19 they bought USD 6.85bn to end the year with minuscule net buy of USD0.16bn.
DIIs ( Domestic Institutional Investors) continued their buying in FY 19 with net buy of USD 10.3bn of
Indian equities. FIIs sold USD 6.45bn of Indian debt

MARKET OUTLOOK
ANNUAL FUND UPDATE

6 month ended 6 month ended 1 year ended 31

Sep 18 (absolute) Mar 19 March 19
(absolute) (Annualized)
Equity
Nifty 8.1% 6.3% 14.9%
Nifty Midcap 50 7.1%- 9.8% 2.1%
Nifty Small Cap 25.8%- 9.9% 18.5%-
World Markets
S& P 500 11.9% -2.7% 8.8%
FTSE 6.6% -3.1% 3.3%
Hang Seng -7.4% 4.5% -3.2%
Bond
Crisil Composite Bond Index 0.1%- 6.8% 6.7%
Crisil Liquid Index 3.7% 3.8% 7.6%
ICICI Securities Benchmark Gilt Index 0.9% 8.0% 9.0%
Commodities
Gold ($ / ounce) 10.1%- 8.5% 2.5%-
Crude 19.0% 17.3%- 1.6%-
Currency
INR / USD 11.2%- 4.6%- 6.1%-

MARKET OUTLOOK
ANNUAL FUND UPDATE

Key Economic Indicators

Mar-18 Sep-18 Mar-19
WPI 2.5% 5.1% 3.2%
CPI 4.3% 3.7% 2.9%
IIP 4.4% 4.5% 0.1%
Repo Rate 6.0% 6.5% 6.3%
MSF 6.3% 6.8% 6.5%
*As on Feb 19
FY 17-18 FY 18-19 (Est)

GDP 6.7% 7.0%
Q1 FY 19
Q1 started on good note with Indian equities up 5.9% (Nifty50) for the quarter. Strong domestic
flows (USD 5.6bn), in line Q4FY18 corporate earnings, forecast of normal monsoon provided support
to the market. On political front three-year old PDP-BJP coalition fell-out with the BJP withdrawing
support from the party combine. The state is under Governor’s rule with N N Vohra talking charge. The
Karnataka state elections saw major political tussle between BJP and Cong-JD(S) combine, with BJP
emerging as the single largest party but failing to establish the government.
On the macro front, GST revenues in April 2018 crossed Rs.1trillion for the first time. In May also
collections continue to be robust at Rs 956 bn. 4QFY18 GDP surprised on the upside, printing at 7.7%,
significantly higher than the government’s advance estimate of 7.1%. The impressive year-on-year lift
from 7% in 3QFY18 to 7.7% in 4QFY18 was helped by a very favorable base effect and strong support
from the public sector. Notwithstanding this last-quarter boost, FY18E ended with GDP growth slowing
to 6.7% from 7.1% in FY 17. Consumer Price Index (CPI) inflation increased 64 bps in the first quarter
on back of core and fuel inflation.

MARKET OUTLOOK
ANNUAL FUND UPDATE

10 year benchmark yield rose by a meaningful 50bps in the first quarter. This was on the back of RBI’s
hawkish stance and first rate hike coming after over 4 years and concerns on fiscal deficit due to rising
crude oil prices which rallied 14% during the quarter to close at USD79.4/bbl. Rupee depreciated by
5.1% at 68.5 (vs. USD) on fears of widening trade deficit and strengthening of USD against major
currencies.On global front, the US Fed raised its rates by 25 bps.
Q2 FY19
Q2 started on positive note with the benchmark Nifty50 Index crossing 11,700 mark for the first time
in history (Nifty50 up 9% till August) aided by strong Q1FY19 reporting season and defeat of the
no-confidence motion against the incumbent Government in Parliament. However,market sentiment
were severely dented locally by deficient monsoons, concerns on widening trade deficit as crude prices
rallied another 4% in the quarter and emerging concerns over credit and liquidity issues in the NBFC
segment and potential contagion from herein and globally by escalation of trade tensions as the US
announced tariffs on a further USD200bn of Chinese imports and rate hike by the Fed by another
25bps. As a result Indian equities ended the quarter with only 2.9% gain.
The default by Infrastructure Leasing & Financial Services (IL&FS), a large Financial Institution, took
center stage at the end of the quarter. The current crisis which started as a credit event at IL&FS (with the
company defaulting on it’s debt repayment obligations) had become both a credit and a liquidity issue
for the financial sector. IL&FS (a AAA rated entity) has a consolidated debt of INR910Bn (USD12.54bn)
(FY18) as per available data sources. The defaults were a consequence of very high leverage, asset
liability mismatch and negative cash flows.Post the default by IL&FS and some redemption pressure
seen in the case of a few Mutual Funds in their debt funds, there has been a ripple impact on credit
spreads for NBFCs.
On the macro front, RBI raised the Repo rate by another 25 bps to 6.50% mainly due to concern on
rising inflation. Q1FY19 GDP growth came in at robust 8.2%. During the quarter, the government
announced sharp increases in MSP followed by announcement of GST rationalisation for several items
in the GST council meet.
Continued macro pressures and rupee depreciation led to 10 year benchmark yield increasing by
12bps in quarter to 8.02%. The yields reached a high of 8.18% during the quarter. INR depreciated by
5.9% in the quarter and ended at 72.5/USD. Oil traded in a wide range (USD 71-82/bbl) in this period.
Oil rallied in the second half of the quarter as expectations of tighter crude market resulting from
American sanctions on Iranian crude outweighed the risk to demand from the ongoing U.S.-China
trade dispute.
Q3 FY19
Indian equities started on weak note in October (Nifty50 down 5.0%). The selloff was driven by both
local macro stress, amidst fears of tightening liquidity and additional liability issues particularly in the
NBFC segment and the sharp correction in global equities driven by trade war fears. But with crude
oil down 36% during the quarter and US Fed Chairman Mr.Powell’s statement that the central bank’s
benchmark interest rate is “just below” neutral the investor sentiments were boosted and market
recovered in November. December did see a bout of nervouness around state election results and the
resignation of RBI Governor Dr. Urjit Patel but subsequently recovered as macro variables continued
their favorable trend and ended flat for the quarter.

MARKET OUTLOOK
ANNUAL FUND UPDATE

On the local front, at the beginning of the quarter, the Central Government announced INR 1.5
per litre cut in both gasoline and diesel excise duties while also asking the oil marketing companies
(OMCs) to provide additional relief of Rs1 per litre. Assembly poll results were announced for 5 states
in December with Congress emerging victorious, albeit of narrow margins, in 3 BJP incumbent states
(MP, Rajasthan, Chhattisgarh) while Telangana went to TRS and Mizoram to MNF.
On macro front, 2QFY19 GDP growth slowed down to 7.1% from 8.2% in 1QFY19. RBI in its monetary
policy meet maintained status quo on policy rates and made announcements of easing ECB hedging
requirments thereby enabling larger banks to address the refiancing needs of NBFC. India jumped 23
notches to rank 77th in Ease of Doing Business Rankings, 2019 released by the World Bank, while also
featuring as one of the top 10 improvers in this year’s assessment.
10 year benchmark yield eased 65bps in the quarter to 7.4% on back of positive surprises on inflation
(down 281 bps in six months), sell off in crude oil prices and RBI’s decision to inject liquidity in the
system through OMOs. Crude oil prices were below USD 60/bbl for the first time since October 2017.
INR appreciated by 3.8% in the quarter.
Q4 FY19
Indian equities (Nifty50 -0.3%) started the quarter flat as they were impacted by a) reversal in Brent
crude oil prices amid supply cuts, up 23% in Jan-Feb 2019, post 36% drop in 3Q19 b) slowdown in
China c) premature ending of Trump-Kim summit in Hanoi with the 2 leaders failing to strike a deal
d) mixed earnings season with disproportionate losses in some large companies e) negative sentiment
on companies where promoters have significant pledged shares f) heightened geopolitical tensions
between India and Pakistan following the Feb 14 militant attack on CRPF in J&K with both India and
Pakistan engaging in aerial action. However in March the markets (Nifty50 7.7%) broke out on the
upside from the narrow range bound trading in the previous 3-4 months due to a)renewed foreign
inflows (Inflows of USD 6.9bn) b)sentiment boost from opinion polls ahead of general elections tilting
further in favour of incumbent government, c) de-escalation in geopolitical tensions between India and
Pakistan and d) optimism over US-China trade negotiations.
On the global front, China saw industrial output growth coming in at 17-yr lows,Theresa May failed
to pass a Brexit deal through British parliament as the deadline for Mar 29 UK exit approached, US
treasury yields slipped to 2017 levels on recessionary concerns in late March and the Fed continued to
maintain a pause on its rate action with dovish policy moves.
GST Council doubled exemption limit and raised threshold for availing composition scheme providing
relief to MSMEs. The rates on under-construction properties were cut to 5% (from 12%) and on
affordable housing to 1% (from 8%) effective 1 April, 2019. However the developers of residential
projects which are incomplete as on March 31 were given the option to either choose the old structure
with Input Tax Credit (ITC) or to shift to the new 5% and 1% rates without ITC.
10 year benchmark yield was flat for the quarter. INR appreciated 0.9% during the quarter at 69.16/$.
Moderations in external pressures coupled with notable foreign net equity inflows post resurgence in
global liquidity supported INR.

FUND PERFORMANCE OF ULIP FUNDS
ANNUAL FUND UPDATE

Funds available with insurance plans launched on & post Sept. 1, 2010.
Returns As Classic Frontline Dynamic Floor Balanced Guarantee Kotak Kotak Kotak Money Discontinued
On 31st March Opportunities Equity Fund Fund II (AUM: Fund (AUM: Fund (AUM: Dynamic Bond Dynamic Gilt Dynamic Market Fund Policy Fund
2019 Fund (AUM: (AUM: ` 62,555.44 ` 15,021.88 ` 3,201.09 Fund (AUM: Fund (AUM: Floating Rate (AUM: (AUM:
` 4,25,182.10 ` 73,372.41 Lakhs) Lakhs) Lakhs) ` 1,01,601.26 ` 5,892.93 Fund (AUM: ` 43,563.87 ` 25,408.31
Lakhs) Lakhs) Lakhs) Lakhs) ` 2,223.79 Lakhs) Lakhs)
Lakhs)
1 month 7.8 8.1 4.6 5.3 4.2 2.4 1.7 0.8 0.7 0.5
3 months 6.4 7.2 4.3 5.0 3.8 2.5 1.9 2.0 1.8 1.6
6 months 6.8 7.5 7.9 7.5 5.2 8.4 8.6 4.9 3.6 3.2
1 year 7.2 10.4 8.8 9.1 9.0 7.9 8.7 6.3 6.9 6.3
2 years 8.9 10.3 7.5 8.4 8.4 6.1 6.6 5.8 6.6 6.1
3 years 13.9 14.4 10.0 11.1 9.8 7.7 8.0 6.4 6.8 6.2
4 years 8.7 9.5 7.0 8.3 6.8 7.5 7.7 6.6 7.1 6.5
5 years 15.3 14.9 9.2 12.2 9.0 9.2 9.7 7.3 7.4 6.9
6 years 15.5 15.4 8.4 12.1 8.3 8.2 8.4 8.0 7.6 7.2
7 years 14.4 14.2 8.5 11.7 8.4 8.7 8.9 8.1 7.9 7.5
10 years n.a n.a n.a n.a n.a 8.6 8.2 7.5 n.a n.a
Inception 12.0 11.1 7.3 9.9 7.9 8.4 7.5 7.4 7.5 7.6
Funds available with insurance plans launched Prior to Sept. 1, 2010.

Returns As Kotak Opportunities Fund Kotak Aggressive Growth Kotak Dynamic Growth Fund Dynamic Floor Fund (AUM: Kotak Dynamic Balanced Fund
On 31st March (AUM: ` 83,588.83 Fund (AUM: ` 26,940.93 (AUM: ` 6,010.75 ` 93,014.69 (AUM: ` 1,947.57
2019 Lakhs) Lakhs) Lakhs) Lakhs) Lakhs)
1 month 7.9 7.7 6.9 4.7 5.9

3 months 6.3 6.5 6.3 4.4 5.5
6 months 6.4 6.6 8.3 8.0 8.3
1 year 6.4 10.3 10.2 8.6 9.7
2 years 8.1 10.2 9.3 7.3 8.6
3 years 13.2 14.1 12.7 9.6 11.3
4 years 7.9 8.9 8.8 6.9 8.5
5 years 14.6 14.4 13.3 9.0 12.3
6 years 14.8 15.0 13.6 8.2 12.3
7 years 13.7 13.8 12.8 8.1 11.8
10 years 17.5 16.0 13.4 8.5 12.3
Inception 16.6 15.7 14.2 9.2 13.0
Returns As Peak Guarantee Kotak Guaranteed Kotak Guaranteed Pension Classic Kotak Pension Pension Frontline Pension Guarantee Fund
On 31st March Fund I (AUM: Growth Fund (AUM: Balanced Fund Opportunities Fund Opportunities Fund Equity Fund (AUM: (AUM: ` 9,526.07
2019 ` 1,517.27 ` 61,936.31 (AUM: ` 7,826.17 (AUM: ` 10,616.97 (AUM: ` 2,114.40 ` 2,392.31 Lakhs)
Lakhs) Lakhs) Lakhs) Lakhs) Lakhs) Lakhs)
1 month 0.5 5.6 4.9 7.9 7.8 8.3 4.2

3 months 1.2 5.3 4.8 6.5 6.2 7.7 3.8
6 months 2.6 7.8 8.0 6.8 6.3 8.2 5.3
1 year 5.7 9.2 9.2 7.2 6.3 11.1 9.0
2 years 7.4 8.2 7.9 8.9 8.1 10.5 8.4
3 years 9.0 11.1 10.6 14.0 13.1 14.5 9.9
4 years 6.1 8.4 8.4 8.7 7.9 9.5 6.9
5 years 8.4 11.8 11.4 15.5 14.5 15.0 9.1
6 years 7.7 11.2 10.6 15.7 14.6 15.5 8.3
7 years 7.9 10.8 10.4 14.5 13.6 14.3 8.5
10 years n.a 10.9 10.5 n.a n.a n.a n.a
Inception 7.1 13.0 11.9 12.4 11.3 12.0 7.3

ANNUAL FUND UPDATE

Funds available with insurance plans launched Prior to Sept. 1, 2010.

Returns As Kotak Pension Kotak Pension Pension Floor Kotak Pension Pension Kotak Pension Kotak Pension Kotak Pension Pension Money
On 31st March Growth Fund Floor Fund Fund II (AUM: Balanced Fund Balanced Fund Bond Fund Gilt Fund (AUM: Floating Rate Market Fund II
2019 (AUM: (AUM: ` 5,720.48 (AUM: II (AUM: (AUM: ` 420.81 Fund (AUM: (AUM: ` 836.62
` 1,716.52 ` 3,773.68 Lakhs) ` 8,454.44 ` 375.98 ` 4,264.61 Lakhs) ` 103.16 Lakhs)
Lakhs) Lakhs) Lakhs) Lakhs) Lakhs) Lakhs)
1 month 5.7 4.6 4.6 5.0 5.4 2.4 1.8 0.7 0.7
3 months 5.3 4.3 4.4 5.0 5.2 2.5 2.1 1.9 1.9
6 months 8.2 7.8 7.9 8.2 7.4 8.4 8.8 5.0 3.6
1 year 9.5 8.4 8.8 9.2 9.2 7.8 8.9 6.5 7.0
2 years 8.4 7.2 7.6 7.8 8.3 6.0 6.8 5.8 6.6
3 years 11.1 9.6 10.1 10.5 11.3 7.6 8.1 6.4 6.8
4 years 8.4 6.9 7.1 8.3 8.5 7.5 7.8 6.6 7.1
5 years 11.7 9.0 9.3 11.3 12.3 9.2 9.8 7.3 7.4
6 years 11.1 8.2 8.5 10.5 12.2 8.2 8.4 8.0 7.6
7 years 10.8 8.3 8.6 10.4 11.7 8.7 8.9 8.1 7.9
10 years 10.9 n.a n.a 10.4 n.a 8.6 8.1 7.5 n.a
Inception 11.0 6.9 7.3 12.0 9.8 8.5 7.6 7.4 7.5

ANNUAL FUND UPDATE

KOTAK GROUP PLANS

Kotak Group Kotak Group Kotak Group Bond Kotak Group Kotak Group Kotak Group Money Kotak Group Kotak Group
Returns As
Dynamic Floor Balanced Fund Fund (AUM: Gilt Fund (AUM: Floating Rate Market Fund Secure Capital Prudent Fund
On 31st
Fund (AUM: (AUM: ` 90,215.54 ` 1,36,170.94 ` 5,253.15 Fund (AUM: (AUM: ` 2.02 (AUM: (AUM: `
March 2019
` 388.27 Lakhs) Lakhs) Lakhs) Lakhs) ` 12,385.84 Lakhs) Lakhs) ` 32,985.19 Lakhs) 1,927.02 Lakhs)
1 month 4.0 5.5 2.5 1.8 0.8 0.1 2.4 3.4

3 months 3.8 5.2 2.6 2.0 2.1 1.9 2.5 3.5
6 months 7.9 7.9 8.6 8.8 5.3 3.2 8.4 9.1
1 year 8.7 9.8 8.3 8.9 7.1 5.8 8.1 n.a
2 years 7.3 9.0 6.6 6.9 6.4 5.3 6.5 n.a
3 years 9.4 11.8 8.2 8.3 7.0 4.9 8.0 n.a
4 years 6.8 8.9 8.0 8.0 7.1 5.5 7.8 n.a
5 years 9.1 12.8 9.7 10.0 7.8 6.1 9.5 n.a
6 years 8.3 12.7 8.7 8.6 8.5 n.a 8.5 n.a
7 years 8.4 12.2 9.2 9.1 8.6 n.a 9.0 n.a
10 years n.a 12.6 9.4 8.4 8.0 n.a n.a n.a
Inception 7.2 13.2 9.0 7.8 7.8 6.5 9.1 10.6
KOTAK FIXED MATURITY PLANS KOTAK PRIVILEDEGE ASSURANCE PLANS

Kotak Group Short Term Bond Kotak Advantage Multiplier
Returns As
Fund (AUM: ` 8,942.75 Returns As Fund II (AUM: ` 0.42
On 31st March
Lakhs) On 31st March 2019 Lakhs)
2019
1 month 1.3 1 month 0.6

3 months 2.5 3 months 1.6
6 months 5.8 6 months 4.1
1 year 7.1 1 year 4.3
2 years 6.6 2 years 3.7
3 years 7.2 3 years 3.2
4 years n.a 4 years 3.6
Inception 7.2 Inception 4.8
Returns less than or equal to a year are absolute. Returns greater than a year are compounded annualised.
NO. OF FUNDS MANAGED BY FUND MANAGER

Sr No. Fund Manager Equity Debt Balanced
1 Rohit Agarwal 7 NA 19
2 Kunal Shah NA 15 26
Mr. Rohit Agarwal– Equity Fund Manager

Mr. Rohit Agarwal has over 10 years of experience in capital markets, looks at the Unit Linked Equity funds
at Kotak Life Insurance . Before joining Kotak in 2011, Mr. Agarwal was associated with JP Morgan for about
6 years. Rohit is a Bachelor of Commerce (2001) and has done PGDBM, Symbiosis Pune (2005).
Mr. Kunal Shah CFA – Debt Fund Manager

Mr. Kunal Shah has overall experience of over a decade and has been associated with the Kotak Life
Insurance since May 2008. His key responsibilities include management of fixed income portfolios in Unit
Linked and managing alternative investments for the company. Kunal is a Bachelor of Commerce (2001)
, MBA (Finance), Sinhgad Institute, Pune (2004) and CFA (CFA Institute, USA)

PRODUCT - FUND MATRIX*
ANNUAL FUND UPDATE

Kotak Single
Kotak Wealth Kotak Ace Kotak Headstart Kotak Kotak Invest
Invest
Insurance Investment Child Assure Platinum Maxima
Advantage
Classic Opportunities Fund ü ü ü ü ü ü
Frontline Equity Fund ü ü ü ü ü ü
Balanced Fund ü ü r ü ü ü
Dynamic Bond Fund ü ü ü ü ü ü

Funds
Dynamic Floating Rate Fund ü ü r ü ü r
Money Market Fund ü ü ü ü ü ü
Dynamic Gilt Fund ü ü ü ü ü r
Discontinued Policy Fund ü ü ü ü ü ü
*currently active plans

INDIVIDUAL FUNDS
ANNUAL FUND UPDATE

CLASSIC OPPORTUNITIES FRONTLINE EQUITY DYNAMIC FLOOR BALANCED

FUND FUND FUND II FUND
KOTAK OPPORTUNITIES KOTAK AGGRESSIVE GUARANTEE MONEY MARKET

FUND GROWTH FUND FUND FUND
KOTAK DYNAMIC DYNAMIC FLOOR KOTAK DYNAMIC KOTAK DYNAMIC

GROWTH FUND FUND BALANCED FUND BOND FUND
KOTAK DYNAMIC KOTAK DYNAMIC PEAK GUARANTEE KOTAK GAURANTEED

GILT FUND FLOATING RATE FUND FUND I GROWTH FUND
KOTAK GAURANTEED PENSION CLASSIC KOTAK PENSION PENSION FRONTLINE

BALANCED FUND OPPORTUNITIES FUND OPPORTUNITIES FUND EQUITY FUND
PENSION GUARANTEE KOTAK PENSION KOTAK PENSION PENSION FLOOR

FUND GROWTH FUND FLOOR FUND FUND II
KOTAK PENSION PENSION BALANCED KOTAK PENSION KOTAK PENSION

BALANCED FUND FUND II BOND FUND GILT FUND
KOTAK PENSION PENSION MONEY KOTAK ADVANTAGE DISCONTINUED

FLOATING RATE FUND MARKET FUND II MULTIPLIER FUND II POLICY FUND

INDIVIDUAL FUND
CLASSIC OPPORTUNITIES FUND
(ULIF-033-16/12/09-CLAOPPFND-107)
Aims to maximize opportunity for you through long-term capital growth, by holding a significant portion in a diversified and flexible mix of large /
medium sized company equities
Date of Inception Portfolio Debt Ratings Profile (%)

16 December 2009
th Holdings % to Fund
0.17
EQUITY 95.49 TREPS & Mutual
21.53
Reliance Industries Ltd 7.18 Fund Investments
AUM (in Lakhs) SBI ETF Nifty Bank 6.57
4,25,182.10 Infosys Ltd 5.37 A1+
HDFC Bank Ltd 5.26
ICICI Bank Ltd 4.98
NAV
Kotak Banking ETF - Dividend Payout Option 4.22
Fixed Deposit
28.7088 Axis Bank Ltd 3.92 78.30
Larsen And Toubro Ltd 3.53
Tata Consultancy Services Ltd 2.98
Fund Manager
I T C Ltd 2.21
Equity : Rohit Agarwal AUM (in Lakhs)
Housing Development Finance Corp. Ltd 2.08
Debt : Kunal Shah
Hindustan Unilever Ltd 2.03
4,06,013
Asian Paints Ltd 1.87
Benchmark Details Aurobindo Pharma Ltd 1.80
Titan Industries Ltd 1.77
Equity - 100% (BSE 200)
Tata Steel Ltd 1.63
State Bank of India 1.60 18,631 538
Britannia Industries Ltd 1.58
Modified Duration
Maruti Suzuki India Ltd 1.45 Equity Debt NCA
Debt & Money
Market Instruments : 0.02 Bajaj Finance Ltd 1.31
Others 32.15
Corporate Debt 0.01
Asset Allocation 7.40% HDFC Bank FD NSE - 17.08.2019 0.003 Sector Allocation as per
7.40% HDFC Bank FD NSE - 01.08.2019 0.003
NIC 2008 % to Fund**
Approved (%) Actual (%)
7.40% HDFC Bank FD BSE - 01.08.2019 0.001
Equity 75 - 100 95 MMI 4.37
Gsec / NCA 0.13 Financial and insurance

00 - 25 0 activities
38.89
Debt
MMI / Computer programming,

00 - 25 5 consultancy and related 10.39
Others
activities
Mfg of coke and refined

petroleum products 9.40
Performance Meter
Classic
Benchmark Mfg of chemicals and
Opportunities chemical products 5.93
(%)
Fund (%)
1 month 7.8 7.6 Mfg of pharmaceuticals,

medicinal chemical & 4.35
botanical products
3 months 6.4 5.5
6 months 6.8 6.0 Civil engineering 4.09
1 year 7.2 10.7

Mfg of motor vehicles,
trailers and semi-trailers 3.94
2 years 8.9 10.9
3 years 13.9 14.6

Mfg of basic metals 2.95
4 years 8.7 8.5
5 years 15.3 12.9 Mfg of tobacco products 2.21

6 years 15.5 13.6
7 years 14.4 12.5 Mfg of food products 2.20
10 years n.a n.a

Others 15.65
Inception 12.0 9.4
Past performance is not necessarily **NIC 2008 - Industrial sector as defined under National
indicative of future performance Industrial Classification 2008.

INDIVIDUAL FUND
FRONTLINE EQUITY FUND
(ULIF-034-17/12/09-FRLEQUFND-107)
Aims for a high level of capital growth for you, by holding a significant portion in large sized company equities

17 December 2009
0.14
EQUITY 93.96 17.40 TREPS & Mutual
AUM (in Lakhs) ICICI Bank Ltd 6.30
73,372.41 Infosys Ltd 6.16 A1+
HDFC Bank Ltd 4.93
NAV
Axis Bank Ltd 4.12
82.46 Fixed Deposit
26.6520 Larsen And Toubro Ltd 3.80
I T C Ltd 3.45
Reliance ETF Bank Bees 3.42
Fund Manager
SBI ETF Nifty Bank 2.99
Mahindra & Mahindra Ltd 2.32
Debt : Kunal Shah
68,938
State Bank of India 2.05
Benchmark Details IndusInd Bank Ltd 2.03
Bata India Ltd 1.88
Equity - 100% (BSE 100)
Tech Mahindra Ltd 1.78
Aurobindo Pharma Ltd 1.65 4,062 373
Modified Duration
Debt & Money
Market Instruments : 0.01 Hindustan Unilever Ltd 1.51
Others 27.97
Corporate Debt 0.01
7.40% HDFC Bank FD NSE - 17.08.2019 0.003
7.40% HDFC Bank FD BSE - 01.08.2019 0.001
Equity 60 - 100 94 MMI 5.53

38.99
Debt

Others
activities

petroleum products
9.08
Performance Meter
Frontline
Equity Fund chemical products
6.96
(%)
(%)
1 month 8.1 7.5 Mfg of motor vehicles,

3 months 7.2 5.8
1 year 10.4 12.4

Mfg of tobacco products 3.45
2 years 10.3 11.5
3 years 14.4 14.7 Mfg of other non-

metallic mineral 2.83
4 years 9.5 8.2 products

6 years 15.4 13.0
Mfg of pharmaceuticals,
7 years 14.2 12.1 medicinal chemical & 2.58
botanical products
10 years n.a n.a
Others 13.72
Inception 11.1 9.1

INDIVIDUAL FUND
DYNAMIC FLOOR FUND II
(ULIF-035-17/12/09-DYFLRFND2-107)
Aims to provide you with stable long-term inflation beating growth over medium to long-term and defend your capital against short-term capital
shocks.

17 December 2009
1.40 0.05 Govt & Govt
EQUITY 38.45 Guaranteed Bonds
7.28 0.07 AAA
Reliance Industries Ltd 3.20
AUM (in Lakhs) Infosys Ltd 2.45
TREPS & Mutual
62,555.44 ICICI Bank Ltd 2.40 Fund Investments
HDFC Bank Ltd 2.06 AA+
35.77
NAV Fixed Deposit
19.2293 Larsen And Toubro Ltd 1.52 AA-
55.43
I T C Ltd 1.43
Axis Bank Ltd 1.41
Fund Manager
IndusInd Bank Ltd 1.01
Debt : Kunal Shah
Mahindra & Mahindra Ltd 0.98 37,554
Benchmark Details State Bank of India 0.85 24,053
Equity - 37.5% (Nifty); Bata India Ltd 0.79
Debt - 62.5% (CRISIL Bond) HCL Technologies Ltd 0.74
Aurobindo Pharma Ltd 0.68 949
Modified Duration
Britannia Industries Ltd 0.64 Equity Debt NCA
Debt & Money
Market Instruments : 5.28 Maruti Suzuki India Ltd 0.60
Others 11.47
G-Sec 33.27
Asset Allocation 7.26% GOI - 14.01.2029 8.92 Sector Allocation as per
8.70% REC - 28.09.2028 2.38
8.54% REC - 15.11.2028 1.91
Equity 00 - 75 38 8.58% GJ SDL - 31.10.2028 1.84
Gsec / 7.95% GOI - 28.08.32 1.77 Financial and insurance

48.16
Debt 8.83% GOI - 12.12.2041 1.31
1.44% INFLATION INDEX GS 2023 1.27
MMI /
00 - 40 6 8.37% MP SDL - 05.12.2028 1.04 Govt. of India 15.73
Others
8.22% NABARD - 13.12.2028 0.96
8.52% KA SDL - 28.11.2028 0.93
State Development Loan 8.21
Others 10.95
Performance Meter
Corporate Debt 22.39
Dynamic Floor Computer programming,
Benchmark 8.56% REC - 29.11.2028 1.50
Fund II consultancy and related 4.27
(%) 9.05% HDFC - 20.11.2023 1.49 activities
(%)
9.05% HDFC - 16.10.2028 1.33
1 month 4.6 3.9 Mfg of coke and refined
Mahindra and Mahindra Financial Services Ltd
1.00 petroleum products
3.20
Floater - 13.07
3 months 4.3 3.9
8.3750% EXIM- 24.07.2025 1.00
6 months 7.9 6.8 Mfg of chemicals and
L&T Finance Ltd NSE Mibor +2% - 05.08.2019 0.84
chemical products
2.79
8.35% IRFC - 13.03.2029 0.82
1 year 8.8 9.9
7.85% PFC - 03.04.2028 0.80 Electricity, gas, steam
and air conditioning 2.25
2 years 7.5 8.5 8.65% PFC - 28.12.2024 0.73
supply
8.18% EXIM- 07.12.2025 0.68
3 years 10.0 10.3
Others 12.20 Mfg of motor vehicles,
4 years 7.0 8.1 MMI 4.37
NCA 1.52
5 years 9.2 10.3 Civil engineering 1.81
6 years 8.4 10.2
7 years 8.5 10.0 NCA 1.52
10 years n.a n.a

Others 10.14
Inception 7.3 8.7

INDIVIDUAL FUND
BALANCED FUND
(ULIF-037-21/12/09-BALKFND-107)
Aims for moderate growth for you by holding a diversified mix of equities and fixed interest instruments.

21 December 2009
0.89 Govt & Govt
EQUITY 52.75 0.001 Guaranteed Bonds
Reliance Industries Ltd 4.51 22.74 AAA
15,021.88 ICICI Bank Ltd 3.48 TREPS & Mutual
HDFC Bank Ltd 3.03 Fund Investments
Kotak Banking ETF - Dividend Payout Option 2.33 AA+
NAV
Axis Bank Ltd 2.22
48.11
24.0375 Larsen And Toubro Ltd 2.15 28.26 Fixed Deposit
I T C Ltd 2.04
Fund Manager
Debt : Kunal Shah
7,923
State Bank of India 1.22 6,993
Benchmark Details Bata India Ltd 1.04
Equity - 60% (BSE 100); Tech Mahindra Ltd 1.04
Debt - 40% (CRISIL Bond) Reliance ETF Bank Bees 1.00
Maruti Suzuki India Ltd 0.98
HCL Technologies Ltd 0.93 106
Modified Duration
Debt & Money Equity Debt NCA
Others 15.77
G-Sec 22.39
8.15% GOI FCI Bonds - 16.10.22 1.72
8.70% REC - 28.09.2028 1.59
Equity 30 - 60 53 8.54% REC - 15.11.2028 1.23

47.43
Debt 8.58% GJ SDL - 31.10.2028 1.08
8.83% GOI - 12.12.2041 0.85
MMI /
Others
8.42% NABARD - 13.02.2029 0.61
8.22% NABARD - 13.12.2028 0.61 Computer programming,
consultancy and related 6.01
Others 6.73
Performance Meter activities
Balanced
Benchmark 8.56% REC - 29.11.2028 1.03
Fund State Development Loan 4.92
(%) 9.05% HDFC - 16.10.2028 0.69
(%)
9.05% HDFC - 20.11.2023 0.69
1 month 5.3 5.1 Mfg of coke and refined
11.08% HDFC - 13.04.2027 Set Down 13.04.20
4.51
- 7.78%
3 months 5.0 4.3
0.66 Mfg of chemicals and
6 months 7.5 6.5 Floater - 13.07
chemical products
4.12
7.85% PFC - 03.04.2028 0.65
1 year 9.1 10.3 8.65% PFC - 28.12.2024 0.61
8.35% IRFC - 13.03.2029 0.61
trailers and semi-trailers
2.78
2 years 8.4 9.4
8.3750% EXIM- 24.07.2025 0.54
3 years 11.1 12.0 L&T Finance Ltd NSE Mibor +2% - 05.08.2019 0.50
Civil engineering 2.64
Others 6.91
4 years 8.3 8.3
MMI 10.58
5 years 12.2 11.1 NCA 0.71
6 years 12.1 11.3
Mfg of other non-metallic
7 years 11.7 10.9 mineral products 1.74
10 years n.a n.a

Others 12.28
Inception 9.9 9.0

INDIVIDUAL FUND
KOTAK OPPORTUNITIES FUND
(ULIF-029-02/10/08-OPPFND-107)
Aims to maximize opportunity for long term capital growth, by holding a significant portion in a diversified and flexible mix of large/medium sized
company equities.

02 October 2008
nd Holdings % to Fund
7.91
EQUITY 97.27
Reliance Industries Ltd 7.31 TREPS & Mutual
AUM (in Lakhs) SBI ETF Nifty Bank 6.62 Fund Investments
83,588.83 Infosys Ltd 5.48

HDFC Bank Ltd 5.28
ICICI Bank Ltd 5.05
NAV Fixed Deposit
50.0236 Axis Bank Ltd 3.94 92.09
Fund Manager
I T C Ltd 2.27
Debt : Kunal Shah
81,307
Aurobindo Pharma Ltd 1.86
Benchmark Details Asian Paints Ltd 1.86
Equity - 100% (BSE 200)
Tata Steel Ltd 1.66
State Bank of India 1.61 1,547 735
Modified Duration
Debt & Money
Others 33.07
Corporate Debt 0.15
7.40% HDFC Bank FD NSE - 01.08.2019 0.06
7.40% HDFC Bank FD BSE - 01.08.2019 0.03
Equity 75 - 100 97 MMI 1.70

37.69
Debt

Others
activities

petroleum products
8.60
Performance Meter
Opportunities Benchmark
Mfg of chemicals and
Fund (%) (%) chemical products
6.00
1 month 7.9 7.6

3 months 6.3 5.5
botanical products
6 months 6.4 6.0

1 year 6.4 10.7
2 years 8.1 10.9 Mfg of motor vehicles,

3 years 13.2 14.6
4 years 7.9 8.5 Mfg of basic metals 3.02
5 years 14.6 12.9

6 years 14.8 13.6
7 years 13.7 12.5

Mfg of food products 2.24
10 years 17.5 14.9
Inception 16.6 11.2 Others 16.83
Past performance is not necessarily

indicative of future performance **NIC 2008 - Industrial sector as defined under National
Industrial Classification 2008.

INDIVIDUAL FUND
KOTAK AGGRESSIVE GROWTH FUND
(ULIF-018-13/09/04-AGRGWTFND-107)
Aims for a high level of capital growth by holding a significant portion in large sized company equities.

13 September 2004
EQUITY 94.09 9.77
TREPS & Mutual
24.88
26,940.93 ICICI Bank Ltd 5.32 A1+
HDFC Bank Ltd 5.26
NAV
Fixed Deposit
83.4444 Larsen And Toubro Ltd 3.93 65.35
Axis Bank Ltd 3.66
I T C Ltd 3.53
Fund Manager
Debt : Kunal Shah
25,350
Benchmark Details State Bank of India 2.24
Equity - 100% (BSE 100)
Bata India Ltd 2.05
Tech Mahindra Ltd 1.92 1,040 551
HCL Technologies Ltd 1.87
Modified Duration
Aurobindo Pharma Ltd 1.83 Equity Debt NCA
Debt & Money
Market Instruments : 0.04 Maruti Suzuki India Ltd 1.82
Others 25.63
Corporate Debt 0.38
7.40% HDFC Bank FD NSE - 17.08.2019 0.15
7.40% HDFC Bank FD BSE - 01.08.2019 0.07
Equity 60 - 100 94 MMI 3.48

36.88
Debt

Others
activities

petroleum products
8.80
Performance Meter
Aggressive
Growth Fund chemical products
6.64
(%)
(%)

5.78
3 months 6.5 5.8
1 year 10.3 12.4

2 years 10.2 11.5
3 years 14.1 14.7

4 years 8.9 8.2
botanical products
6 years 15.0 13.0
Mfg of other non-metallic
7 years 13.8 12.1 mineral products 2.51
10 years 16.0 13.9

Others 13.56
Inception 15.7 13.3

INDIVIDUAL FUND
GUARANTEE FUND
(ULIF-048-05/02/10-GRTFND-107)
Aims to provide stable, long-term inflation beating growth over medium to long-term and defend capital against short-term capital shocks

05 February 2010
Govt & Govt
0.21
Reliance Industries Ltd 5.52 1.84
AAA
AUM (in Lakhs) HDFC Bank Ltd 4.20
3,201.09 Infosys Ltd 3.57 33.71 TREPS & Mutual
I T C Ltd 3.40 Fund Investments
Housing Development Finance Corp. Ltd 2.73 AA+
NAV
20.0469 Larsen And Toubro Ltd 2.57 Fixed Deposit
62.47
ICICI Bank Ltd 2.17
Fund Manager
Sun Pharmaceuticals Ltd 1.32
Debt : Kunal Shah
Axis Bank Ltd 1.28
1,869
Equity - 37.5% (Nifty); Oil & Natural Gas Corporation Ltd 1.08
Debt - 62.5% (CRISIL Bond) State Bank of India 1.01
-25
UltraTech Cement Ltd 1.01
National Thermal Power Corporation Ltd 0.94 Equity Debt NCA
Modified Duration
Hero Honda Motors Ltd 0.88
Debt & Money
Market Instruments : 5.71 Dr Reddys Laboratories Ltd 0.84
Others 17.14
G-Sec 25.09
8.70% REC - 28.09.2028 1.95
8.58% GJ SDL - 31.10.2028 1.36
Equity 00 - 75 58 8.54% REC - 15.11.2028 1.29

35.92
Debt 1.44% INFLATION INDEX GS 2023 1.13
8.83% GOI - 12.12.2041 0.95
MMI /
00 - 100 1 8.01% RJ SPL SDL - 23.06.2020 0.79 Govt. of India 12.79
Others
8.37% MP SDL - 05.12.2028 0.77
8.52% KA SDL - 28.11.2028 0.69 Computer programming,
Others 8.80
Performance Meter activities
Guarantee
Benchmark 9.05% HDFC - 16.10.2028 3.24 Mfg of coke and refined
Fund petroleum products
6.99
(%) 8.56% REC - 29.11.2028 1.29
(%)
7.85% PFC - 03.04.2028 0.92
1 month 4.2 3.9
L&T Finance Ltd NSE Mibor +2% - 05.08.2019 0.78 State Development Loan 6.98
3 months 3.8 3.9 8.65% PFC - 28.12.2024 0.63
8.35% IRFC - 13.03.2029 0.63
Mahindra and Mahindra Financial Services Ltd chemical products
4.28
0.62
Floater - 13.07
1 year 9.0 9.9
8.18% EXIM- 07.12.2025 0.62
7.63% PFC - 14.08.2026 0.60 trailers and semi-trailers
3.41
2 years 8.4 8.5
9.30% PGC - 28.06.2024 0.42
3 years 9.8 10.3
Others 5.37
4 years 6.8 8.1 MMI 2.17
NCA -0.77
botanical products
6 years 8.3 10.2
10 years n.a n.a

Others 12.55
Inception 7.9 9.1

INDIVIDUAL FUND
MONEY MARKET FUND
(ULIF-041-05/01/10-MNMKKFND-107)
Aims to protect your capital and not have downside risks

05 January 2010
3.96
MMI 99.02 A1+
20.92
NCA 0.98
AUM (in Lakhs)
43,563.87 Govt & Govt
Guaranteed Bonds
NAV
TREPS & Mutual
19.5112 75.12 Fund Investments
Fund Manager
AUM (in Lakhs)
Debt : Kunal Shah
43,136
Benchmark Details
Equity - 0% (NA);
Debt - 100% (CRISIL Liquid)
428
Modified Duration
Debt & Money Debt NCA
Market Instruments : 0.38
Asset Allocation Sector Allocation as per

MMI /
100 100
Others
Financial and insurance

activities 53.36
Performance Meter
Money
Benchmark
Market Fund
(%)
(%)
1 month 0.7 0.7

Govt. of India 20.71
3 months 1.8 1.8
6 months 3.6 3.8
1 year 6.9 7.6
2 years 6.6 7.2 Electricity, gas, steam

supply
3 years 6.8 7.2
4 years 7.1 7.4
5 years 7.4 7.7
6 years 7.6 8.0 Mfg of coke and refined

7 years 7.9 8.0
10 years n.a n.a
Inception 7.5 7.8
Past performance is not necessarily NCA 0.98

indicative of future performance
**NIC 2008 - Industrial sector as defined under National


INDIVIDUAL FUND
KOTAK DYNAMIC GROWTH FUND
(ULIF-012-27/06/03-DYGWTFND-107)

27 June 2003
3.75 Govt & Govt
5.11
AAA
AUM (in Lakhs) Infosys Ltd 4.85 8.61
6,010.75 ICICI Bank Ltd 4.81 TREPS & Mutual
NAV
81.5349 Reliance ETF Bank Bees 2.79 Fixed Deposit
81.16
Axis Bank Ltd 2.78
I T C Ltd 2.78
Fund Manager
Debt : Kunal Shah
4,448
Equity - 80% (BSE 100); HCL Technologies Ltd 1.53
Debt - 20% (CRISIL Bond) IndusInd Bank Ltd 1.49 1,371
Modified Duration
Hindustan Unilever Ltd 1.18 Equity Debt NCA
Debt & Money
Market Instruments : 6.40 The Ramco Cements Ltd 1.17
Others 22.00
G-Sec 18.51
8.13% GOI - 22.06.2045 3.17
8.17% GOI - 01.12.2044 3.01
Equity 40 - 80 74 8.97% GOI - 05.12.2030 1.66

30.95
Debt 6.65% Fertilizer Co GOI - 29.01.23 0.82
8.30% GOI - 02.07.2040 0.71
MMI /
00 - 40 4 8.70% REC - 28.09.2028 0.69 Govt. of India 15.50
Others
8.42% TN SDL - 25.08.2020 0.68
8.15% GOI FCI Bonds - 16.10.22 0.67 Computer programming,
Performance Meter Others 3.06
activities
Corporate Debt 3.13
Kotak
Dynamic Benchmark 9.36% IDFC Bank - 21.08.24 0.86 Mfg of coke and refined
petroleum products
6.44
Growth (%) 8.56% REC - 29.11.2028 0.51
Fund (%)
8.65% PFC - 28.12.2024 0.51
1 month 6.9 6.3 Mfg of chemicals and
8.80% PGC - 29.09.2020 0.42
chemical products 5.55
9.02% REC - 19.11.2022 0.35
3 months 6.3 5.0
9.75% REC - 11.11.2021. 0.17
6 months Civil engineering 3.65
8.3 6.2 7.40% HDFC Bank FD NSE - 01.08.2019 0.13
7.40% HDFC Bank FD NSE - 17.08.2019 0.12
1 year 10.2 11.4
7.40% HDFC Bank FD BSE - 01.08.2019 0.06 Mfg of motor vehicles,
2 years 9.3 10.5 MMI 1.16
NCA 3.19
3 years 12.7 13.3
NCA 3.19
4 years 8.8 8.3
6 years 13.6 12.2

7 years 12.8 11.5
10 years 13.4 12.6

Others 17.84
Inception 14.2 13.2

INDIVIDUAL FUND
DYNAMIC FLOOR FUND
(ULIF-028-14/11/06-DYFLRFND-107)
Aims to provide you with stable long-term inflation beating growth over medium to long-term and defend your capital against short-term capital
shocks.

14 November 2006
th Holdings % to Fund Govt & Govt
0.44 0.12
1.77 0.13 AAA
AA+
93,014.69 Infosys Ltd 2.39 38.50
HDFC Bank Ltd 2.08 TREPS & Mutual
Fund Investments
NAV AA-
59.03
Axis Bank Ltd 1.49
I T C Ltd 1.43
Fund Manager
Debt : Kunal Shah
IndusInd Bank Ltd 0.88 55,102
36,232
Equity - 37.5% (Nifty); HCL Technologies Ltd 0.70

Debt - 62.5% (CRISIL Bond) Mahindra & Mahindra Ltd 0.70
1,680
Modified Duration
Debt & Money
Market Instruments : 5.55 Tech Mahindra Ltd 0.63
Others 11.83
G-Sec 34.97
8.70% REC - 28.09.2028 2.44
8.54% REC - 15.11.2028 2.09
Equity 00 - 75 39 8.58% GJ SDL - 31.10.2028 2.01

45.70
Debt 8.83% GOI - 12.12.2041 1.38
MMI /
Others
8.22% NABARD - 13.12.2028 1.02
8.52% KA SDL - 28.11.2028 1.00
Dynamic
Benchmark Computer programming,
Floor 8.56% REC - 29.11.2028 1.44
(%) consultancy and related 4.13
Fund (%) 9.05% HDFC - 16.10.2028 1.44 activities
1 month 4.7 3.9 9.05% HDFC - 20.11.2023 1.22
8.3750% EXIM- 24.07.2025 1.10
petroleum products
3.35
3 months 4.4 3.9 Mahindra and Mahindra Financial Services Ltd
1.01
Floater - 13.07
chemical products
2.82
1 year 8.6 9.9 7.85% PFC - 03.04.2028 0.87
8.35% IRFC - 13.03.2029 0.85 Electricity, gas, steam
2 years 7.3 8.5 and air conditioning 2.51
8.65% PFC - 28.12.2024 0.80
supply
3 years 9.6 10.3 11.08% HDFC - 13.04.2027 Set Down 13.04.20
0.78
- 7.78%
4 years 6.9 8.1 Others 13.61
MMI 0.26
5 years 9.0 10.3 NCA 1.81
NCA 1.81
6 years 8.2 10.2

10 years 8.5 10.6


INDIVIDUAL FUND
KOTAK DYNAMIC BALANCED FUND
(ULIF-009-27/06/03-DYBALFND-107)
Aims for moderate growth by holding a diversified mix of equities and fixed interest instruments.

27 June 2003
2.56 Govt & Govt
AAA
1,947.57 Infosys Ltd 3.71 TREPS & Mutual
HDFC Bank Ltd 3.13 23.01 Fund Investments
NAV
68.5322 Axis Bank Ltd 2.35 Fixed Deposit
60.66
I T C Ltd 2.14
Fund Manager
Debt : Kunal Shah
1,128
Benchmark Details Tech Mahindra Ltd 1.06 791
Equity - 60% (BSE 100); Aurobindo Pharma Ltd 1.03
Debt - 40% (CRISIL Bond) Mahindra & Mahindra Ltd 1.00
Bata India Ltd 0.97
Britannia Industries Ltd 0.94 28
Modified Duration
The Ramco Cements Ltd 0.87
Market Instruments : 4.97 Interglobe Aviation Ltd 0.86
Others 17.53
G-Sec 24.64
8.58% GJ SDL - 31.10.2028 1.46
8.15% GOI FCI Bonds - 16.10.22 1.33
Equity 30 - 60 58 7.95% GOI - 28.08.32 1.24
Gsec / 8.70% REC - 28.09.2028 1.07 Financial and insurance

40.52
Debt 8.54% REC - 15.11.2028 1.06
8.42% NABARD - 13.02.2029 1.05
MMI /
00 - 40 7 8.83% GOI - 12.12.2041 0.93 Govt. of India 12.35
Others
8.37% MP SDL - 05.12.2028 0.82
State Development
Others 8.68 Loan
7.04
Performance Meter
Dynamic
Balanced 8.56% REC - 29.11.2028 1.06
Fund (%) Mahindra and Mahindra Financial Services Ltd activities
1.02
Floater - 13.07
1 month 5.9 5.1
7.85% PFC - 03.04.2028 1.00 Mfg of coke and refined
petroleum products
5.18
3 months 5.5 4.3 8.85% PGC - 19.10.2025 0.66
9.75% REC - 11.11.2021. 0.54
9.39% LIC Housing Finance - 23.08.2024 - P -
0.53 chemical products
4.33
26.08.15
1 year 9.7 10.3
9.36% IDFC Bank - 21.08.24 0.53
2 years 8.6 9.4 8.65% PFC - 28.12.2024 0.52 Civil engineering 2.80
8.57% REC - 21.12.2024 0.52
3 years 11.3 12.0
8.35% IRFC - 13.03.2029 0.52 Mfg of motor vehicles,
Others 3.69 trailers and semi-trailers 2.41
4 years 8.5 8.3
MMI 5.39
5 years 12.3 11.1 NCA 1.44
6 years 12.3 11.3
Mfg of other non-
7 years 11.8 10.9 metallic mineral 1.82
products
10 years 12.3 11.5


INDIVIDUAL FUND
DYNAMIC BOND FUND
(ULIF-015-15/04/04-DYBNDFND-107)
Aims to preserve capital and minimize downside risk, with investment in debt and government instruments.

15 April 2004
0.35 Govt & Govt
G-Sec 58.36 0.78 0.06 Guaranteed Bonds
7.26% GOI - 14.01.2029 16.03
AAA
AUM (in Lakhs) 8.70% REC - 28.09.2028 4.01
38.91
1,01,601.26 8.54% REC - 15.11.2028 3.44 AA+
8.58% GJ SDL - 31.10.2028 3.29
7.95% GOI - 28.08.32 3.19 TREPS & Mutual
NAV Fund Investments
8.83% GOI - 12.12.2041 2.37
33.6178 8.37% MP SDL - 05.12.2028 1.85 AA-
8.22% NABARD - 13.12.2028 1.73 59.90
Fund Manager
8.52% KA SDL - 28.11.2028 1.68
AUM (in Lakhs)
Debt : Kunal Shah Others 19.05
98,986
8.56% REC - 29.11.2028 2.46
Benchmark Details 9.05% HDFC - 16.10.2028 2.13
9.05% HDFC - 20.11.2023 1.83
Debt - 100% (CRISIL Bond)
1.81
Floater - 13.07
8.3750% EXIM- 24.07.2025 1.55 2,615
Modified Duration 8.35% IRFC - 13.03.2029 1.49
Debt & Money 7.85% PFC - 03.04.2028 1.39 Debt NCA
8.18% EXIM- 07.12.2025 1.35
Asset Allocation 11.08% HDFC - 13.04.2027 Set Down 13.04.20
1.22 Sector Allocation as per
- 7.78% NIC 2008 % to Fund**
Approved (%) Actual (%) Others 22.14
Gsec 00 - 75 58 MMI 0.34

NCA 2.57
Debt 25 - 100 39 Financial and insurance
activities 48.78
MMI /
00 - 40 3
Others

Performance Meter
Dynamic Bond
Benchmark
Fund
(%)
(%)
1 month 2.4 1.7
3 months 2.5 1.9

Electricity, gas, steam
6 months 8.4 6.8 and air conditioning 3.21
supply
1 year 7.9 6.7
2 years 6.1 5.9

Wholesale trade, except
3 years 7.7 7.6 of motor vehicles and 3.19
motorcycles
4 years 7.5 7.8
5 years 9.2 9.1

NCA 2.57
6 years 8.2 8.3
7 years 8.7 8.4
10 years 8.6 7.7

Inception 8.4 6.6


INDIVIDUAL FUND
KOTAK DYNAMIC GILT FUND
(ULIF-006-27/06/03-DYGLTFND-107)
Aims to preserve your capital and minimize your downside risk, with investment in debt and government instruments.

27th June 2003 Holdings % to Fund
5.70
G-Sec 92.57
7.26% GOI - 14.01.2029 24.57 Govt & Govt
AUM (in Lakhs) 9.23% GOI - 23.12.2043 6.04 Guaranteed Bonds
5,892.93 7.38% MP SDL - 14.09.2026 4.17

8.01% RJ SPL SDL - 23.06.2020 4.10
7.71% GJ SDL - 01.03.2027 4.09
NAV TREPS & Mutual
8.62% HR SDL 03.09.2028 3.60
Fund Investments
31.1430 7.95% GOI - 28.08.32 2.85 94.30
8.58% GJ SDL - 31.10.2028 2.76
6.65% Fertilizer Co GOI - 29.01.23 2.60
Fund Manager
8.37% MP SDL - 05.12.2028 2.45
AUM (in Lakhs)
MMI 5.60
NCA 1.83
5,785
Benchmark Details
Debt - 100% (IBEX)
Modified Duration 108


Gsec 80 - 100 93
MMI /
00 - 40 7
Others
Performance Meter
Dynamic Gilt
Benchmark
Fund
(%)
(%)
1 month 1.7 1.5

3 months 1.9 2.1
6 months 8.6 8.0
1 year 8.7 9.0
2 years 6.6 7.0
3 years 8.0 8.3 Financial and insurance

activities 5.60
4 years 7.7 8.3
5 years 9.7 9.7
6 years 8.4 8.7
7 years 8.9 9.1
10 years 8.2 8.2 NCA 1.83
Inception 7.5 7.6


INDIVIDUAL FUND
KOTAK DYNAMIC FLOATING RATE FUND
(ULIF-020-07/12/04-DYFLTRFND-107)

07 December 2004
Govt & Govt
G-Sec 45.34 3.19
6.63 Guaranteed Bonds
9.37% MAH SDL - 04.12.2023 14.08
8.20 AAA
AUM (in Lakhs) 8.92% RJ SDL - 21.11.2022 4.14
2,223.79 8.84% PN SDL - 11.06.2024 3.83 AA+
8.38% MAH SDL - 25.03.2020 2.90
16.15
8.51% PN SDL - 10.04.2023 2.08 A1+
NAV
8.28% TN SDL - 09.09.2019 2.08
27.6823 8.23% GJ SDL - 07.10.2019 1.92 TREPS & Mutual
65.84
8.39% RJ SPL SDL - 15.03.2022 1.80 Fund Investments
9.65% TN SDL - 12.03.2024 1.76
Fund Manager
8.85% TN SDL - 17.10.2022 1.69
AUM (in Lakhs)
2,196
FRB G - 21.12.2020 16.70
Benchmark Details Shriram Transport Finance Co Ltd Floater -
8.10
19.07.19
Debt - 100% (CRISIL Liquid) Mahindra and Mahindra Financial Services Ltd
8.07
Floater - 13.07
Modified Duration 27
MMI 12.69
Debt & Money NCA 1.23 Debt NCA

Gsec 00 - 75 45
Debt 25 - 100 41
MMI /
00 - 40 14 State Development Loan 40.52
Others
Performance Meter
Dynamic
Benchmark
Floating Rate
(%)
Fund (%)
activities 33.74
1 month 0.8 0.7
3 months 2.0 1.8
6 months 4.9 3.8
1 year 6.3 7.6
2 years 5.8 7.2

3 years 6.4 7.2
4 years 6.6 7.4
5 years 7.3 7.7
6 years 8.0 8.0
7 years 8.1 8.0 NCA 1.23
10 years 7.5 7.5
Inception 7.4 7.2


INDIVIDUAL FUND
PEAK GUARANTEE FUND I
(ULIF-049-14/02/10-PKGRTFND1-107)

14th February 2010 Holdings % to Fund
0.18 0.13 Govt & Govt
G-Sec 48.78
8.48% MAH SDL - 24.02.2020 36.75
TREPS & Mutual
AUM (in Lakhs) 8.14% MH SDL -23.09.2019 6.63 Fund Investments
1,517.27 8.28% TN SDL - 09.09.2019 1.92 AAA
8.20% GOI - 15.02.22 0.27 Fixed Deposit
NAV 45.54
9.72% PN SDL - 28.08.2023 0.21
18.7024 8.90% KA SDL - 19.12.2022 0.18 AA+
49.22
9.29% PN SDL - 09.10.2023 0.16
9.29% MP SDL - 16.01.2024 0.11
Fund Manager
9.69% PN SDL - 12.02.2024 0.09
Others 1.05
Debt : Kunal Shah
Corporate Debt 5.19
1,504
8.70% PFC- 14.05.2020 1.33
Benchmark Details 8.80% REC - 06.10.2019 1.33
Equity - 37.5% (Nifty); 9.30% PGC - 28.06.2024 0.88
Debt - 62.5% (CRISIL Bond) 8.57% REC - 21.12.2024 0.67
8.70% PFC- 15.01.2020 0.66 13
9.25% IDFC Bank - 13.09.19 0.13
Modified Duration
7.40% HDFC Bank FD NSE - 17.08.2019 0.07 Debt NCA
Debt & Money
Market Instruments : 0.58 7.40% HDFC Bank FD NSE - 01.08.2019 0.07
7.40% HDFC Bank FD BSE - 01.08.2019 0.03
8.49% NTPC - 25.03.2025 0.01
Asset Allocation MMI 45.14 Sector Allocation as per
NCA 0.89
Equity 00 - 100 0
Gsec /
00 - 100 54 Financial and insurance
Debt 49.44
activities
MMI /
00 - 100 46
Others
Performance Meter
Peak State Development Loan 46.90
Benchmark
Guarantee
(%)
Fund I (%)
1 month 0.5 3.9
3 months 1.2 3.9
6 months 2.6 6.8 Govt. of India 1.89
1 year 5.7 9.9
2 years 7.4 8.5
3 years 9.0 10.3

supply
5 years 8.4 10.3
6 years 7.7 10.2
7 years 7.9 10.0

NCA 0.89
10 years n.a n.a
Inception 7.1 9.0


INDIVIDUAL FUND
KOTAK GUARANTEED GROWTH FUND
(ULIF-013-27/06/03-GRTGWTFND-107)

27 June 2003
1.03 0.83 Govt & Govt
3.40 0.19
Reliance Industries Ltd 4.62 AAA
AUM (in Lakhs) 38.59
ICICI Bank Ltd 3.61
TREPS & Mutual
61,936.31 Infosys Ltd 3.52 Fund Investments
HDFC Bank Ltd 2.96 Fixed Deposit
NAV AA+
68.3831 Reliance ETF Bank Bees 2.11 AA-
55.96
Axis Bank Ltd 2.07
I T C Ltd 1.96
Fund Manager
Debt : Kunal Shah
33,958
Equity - 40% (BSE 100); IndusInd Bank Ltd 1.09
Debt - 60% (CRISIL Bond) Tech Mahindra Ltd 1.01
HCL Technologies Ltd 0.99 1,195
Mahindra & Mahindra Financial Services Ltd 0.96
Modified Duration
Aurobindo Pharma Ltd 0.92 Equity Debt NCA
Debt & Money
Market Instruments : 5.20 Britannia Industries Ltd 0.90
Others 16.60
G-Sec 24.20
8.70% REC - 28.09.2028 1.78
Equity 00 - 80 55 8.54% REC - 15.11.2028 1.28
8.58% GJ SDL - 31.10.2028 1.22 Financial and insurance
Gsec / 42.97
Debt 7.95% GOI - 28.08.32 1.20
8.83% GOI - 12.12.2041 0.89
MMI /
Others
8.52% KA SDL - 28.11.2028 0.64
8.22% NABARD - 13.12.2028 0.64
Guaranteed Corporate Debt 17.57

Growth Fund 8.56% REC - 29.11.2028 1.05
(%)
9.05% HDFC - 16.10.2028 1.00 activities
1 month 5.6 4.0 9.05% HDFC - 20.11.2023 0.84
8.3750% EXIM- 24.07.2025 0.70
petroleum products
4.62
3 months 5.3 3.5
0.69
Floater - 13.07
8.65% PFC - 28.12.2024 0.69
chemical products
4.07
1 year 9.2 9.2 7.85% PFC - 03.04.2028 0.58
8.35% IRFC - 13.03.2029 0.57
L&T Finance Ltd NSE Mibor +2% - 05.08.2019 0.52 trailers and semi-trailers
2.64
3 years 11.1 10.6 11.08% HDFC - 13.04.2027 Set Down 13.04.20

0.50
- 7.78%
4 years 8.4 8.2 Others 10.43
MMI 1.47
NCA 1.93
6 years 11.2 10.4 supply

10 years 10.9 11.0


INDIVIDUAL FUND
KOTAK GUARANTEED BALANCED FUND
(ULIF-010-27/06/03-GRTBALFND-107)

27 June 2003
1.08 Govt & Govt
EQUITY 44.22
5.27 0.37 Guaranteed Bonds
AAA
7,826.17 Infosys Ltd 2.97 AA+
HDFC Bank Ltd 2.45
38.87
Kotak Banking ETF - Dividend Payout Option 1.95 TREPS & Mutual
54.41
I T C Ltd 1.71
Fund Manager
Debt : Kunal Shah
4,173
Bata India Ltd 0.98
3,461
Benchmark Details IndusInd Bank Ltd 0.88
Equity - 30% (BSE 100); Mahindra & Mahindra Ltd 0.82
Debt - 70% (CRISIL Bond) Aurobindo Pharma Ltd 0.78
Tech Mahindra Ltd 0.73 192
Modified Duration
Others 12.83
G-Sec 29.02
8.58% GJ SDL - 31.10.2028 1.66
8.70% REC - 28.09.2028 1.60
Equity 00 - 60 44 7.95% GOI - 28.08.32 1.51
1.44% INFLATION INDEX GS 2023 1.45 Financial and insurance
Gsec / 44.43
Debt 8.54% REC - 15.11.2028 1.45
8.83% GOI - 12.12.2041 1.18
MMI /
Others
8.22% NABARD - 13.12.2028 0.91
8.52% KA SDL - 28.11.2028 0.84
Guaranteed Corporate Debt 23.74

Balanced Shriram Transport Finance Co Ltd Floater -
(%) 2.43 consultancy and related 4.70
Fund (%) 19.07.19
activities
9.05% HDFC - 16.10.2028 1.32
1 month 4.9 3.4
9.05% HDFC - 20.11.2023 1.32 Mfg of coke and refined
petroleum products
4.01
3 months 4.8 3.1 11.08% HDFC - 13.04.2027 Set Down 13.04.20
1.32
- 7.78%
6 months 8.0 6.7 8.56% REC - 29.11.2028 1.05 Mfg of chemicals and
chemical products
3.33
1 year 9.2 8.6
8.3750% EXIM- 24.07.2025 0.90 Wholesale trade, except
2 years 7.9 7.7 Mahindra and Mahindra Financial Services Ltd of motor vehicles and 3.29
0.89 motorcycles
Floater - 13.07
3 years 10.6 9.8 7.85% PFC - 03.04.2028 0.75
10.08% IOT Utkal Energy Services Limited - NCA 2.45
4 years 8.4 8.1 0.72
20.03.2023
5 years 11.4 10.2 Others 12.07
MMI 0.57 Civil engineering 2.20
6 years 10.6 9.9 NCA 2.45

10 years 10.5 10.2


INDIVIDUAL FUND
PENSION CLASSIC OPPORTUNITIES FUND
(ULIF-042-07/01/10-PNCLAOPFND-107)
Aims to maximize opportunity for long term capital growth by holding significant portions in a diversified and flexible mix of large/medium sized
stocks.

07 January 2010
1.72
EQUITY 97.01
10,616.97 Infosys Ltd 5.45

HDFC Bank Ltd 5.27
ICICI Bank Ltd 5.03
NAV Fixed Deposit
29.5180 Axis Bank Ltd 3.93 98.28
Fund Manager
I T C Ltd 2.29
Debt : Kunal Shah
Asian Paints Ltd 1.86 10,299
Equity - 100% (BSE 200)
Tata Steel Ltd 1.65
State Bank of India 1.61 234 84
Modified Duration
Debt & Money
Others 32.99
Corporate Debt 0.04
7.40% HDFC Bank FD NSE - 01.08.2019 0.01
7.40% HDFC Bank FD BSE - 01.08.2019 0.01
Equity 75 - 100 97 MMI 2.17
NCA 0.79 Financial and insurance
Gsec / 37.97
Debt
Computer programming,
MMI /
Others activities

8.57
Performance Meter petroleum products
Pension
Classic Benchmark Mfg of chemicals and
Opportunities (%) chemical products
5.99
Fund (%)
1 month 7.9 7.6 medicinal chemical & 4.43
botanical products
3 months 6.5 5.5
1 year 7.2 10.7

2 years 8.9 10.9
3 years 14.0 14.6

4 years 8.7 8.5
6 years 15.7 13.6

7 years 14.5 12.5
10 years n.a n.a

Others 16.72
Inception 12.4 9.0

INDIVIDUAL FUND
KOTAK PENSION OPPORTUNITIES FUND
(ULIF-032-17/07/09-PNOPPFND-107)
Aims to maximize opportunity for long term capital growth by holding significant portions in a diversified and flexible mix of large/medium sized
stocks

17 July 2009
2.31
EQUITY 96.85
2,114.40 Infosys Ltd 5.39

HDFC Bank Ltd 5.21
ICICI Bank Ltd 4.95
NAV Fixed Deposit
28.3987 Axis Bank Ltd 3.87 97.69
Fund Manager
I T C Ltd 2.20
Debt : Kunal Shah
2,048
Equity - 100% (BSE 200)
Tata Steel Ltd 1.67
State Bank of India 1.59 56
10
Modified Duration
Debt & Money
Others 33.52
Corporate Debt 0.06
7.40% HDFC Bank FD NSE - 17.08.2019 0.02
7.40% HDFC Bank FD BSE - 01.08.2019 0.01
Equity 75 - 100 97 MMI 2.60
Gsec / 38.17
Debt

Others activities

8.49
Pension
Benchmark
Opportunities Mfg of chemicals and
Fund (%)
(%)
1 month 7.8 7.6 Mfg of pharmaceuticals,

3 months 6.2 5.5 botanical products
6 months 6.3 6.0 Mfg of motor vehicles,

1 year 6.3 10.7
3 years 13.1 14.6

4 years 7.9 8.5
5 years 14.5 12.9

6 years 14.6 13.6

10 years n.a n.a


INDIVIDUAL FUND
PENSION FRONTLINE EQUITY FUND
(ULIF-044-11/01/10-PNFRLEQFND-107)

11 January 2010
1.39
EQUITY 96.22
AUM (in Lakhs) ICICI Bank Ltd 6.26 Fund Investments
2,392.31 Infosys Ltd 6.15

HDFC Bank Ltd 5.18
NAV Fixed Deposit
28.3427 Reliance ETF Bank Bees 3.81 98.61
Axis Bank Ltd 3.52
I T C Ltd 3.50
Fund Manager
Debt : Kunal Shah
2,302
Equity - 100% (BSE 100)
66 25
Modified Duration
Debt & Money
Others 28.63
Corporate Debt 0.04
7.40% HDFC Bank FD NSE - 01.08.2019 0.02
7.40% HDFC Bank FD BSE - 01.08.2019 0.01
Equity 60 - 100 96 MMI 2.72
Gsec / 37.64
Debt

Others activities

8.20
Pension
Frontline Benchmark Mfg of chemicals and
Equity Fund (%) chemical products
7.19
(%)

4.63
3 months 7.7 5.8
1 year 11.1 12.4

2 years 10.5 11.5
3 years 14.5 14.7 Mfg of other non-metallic

mineral products
2.93
4 years 9.5 8.2
6 years 15.5 13.0

7 years 14.3 12.1 botanical products
10 years n.a n.a

Others 15.01
Inception 12.0 8.8

INDIVIDUAL FUND
PENSION GUARANTEE FUND
(ULIF-038-21/12/09-PNGRTFND-107)
Aims to provide stable, long-term inflation beating growth over medium to long-term and defend capital against short-term capital shocks

21 December 2009
st Holdings % to Fund
0.50 Govt & Govt
EQUITY 58.39
AAA
AUM (in Lakhs) HDFC Bank Ltd 4.20
36.69
9,526.07 Infosys Ltd 3.57 AA+
I T C Ltd 3.40
Housing Development Finance Corp. Ltd 2.73 TREPS & Mutual
61.64
ICICI Bank Ltd 2.17
Fund Manager
Debt : Kunal Shah
Axis Bank Ltd 1.28
5,563
Equity - 37.5% (Nifty); Oil & Natural Gas Corporation Ltd 1.08
Debt - 62.5% (CRISIL Bond) State Bank of India 1.01 -51
UltraTech Cement Ltd 1.01
Equity Debt NCA
National Thermal Power Corporation Ltd 0.94
Modified Duration
Hero Honda Motors Ltd 0.88
Debt & Money
Market Instruments : 5.74 Dr Reddys Laboratories Ltd 0.84
Others 17.15
G-Sec 24.58
8.70% REC - 28.09.2028 1.75
8.54% REC - 15.11.2028 1.40
Equity 00 - 75 58 8.58% GJ SDL - 31.10.2028 1.36
7.95% GOI - 28.08.32 1.27 Financial and insurance
Gsec / 36.23
8.83% GOI - 12.12.2041 0.94
MMI /
Others
8.52% KA SDL - 28.11.2028 0.68
8.13% GOI - 22.06.2045 0.65 Computer programming,
activities
Pension Corporate Debt 15.96
Benchmark
Guarantee 9.05% HDFC - 16.10.2028 2.18 Mfg of coke and refined
Fund (%)
(%)
petroleum products
6.99
9.05% HDFC - 20.11.2023 2.17
1 month 4.2 3.9 8.56% REC - 29.11.2028 1.08
Mahindra and Mahindra Financial Services Ltd State Development Loan 6.70
3 months 3.8 3.9 0.73
Floater - 13.07
7.85% PFC - 03.04.2028 0.62
8.65% PFC - 28.12.2024 0.53
chemical products
4.28
1 year 9.0 9.9 8.35% IRFC - 13.03.2029 0.53
8.3750% EXIM- 24.07.2025 0.53
L&T Finance Ltd NSE Mibor +2% - 05.08.2019 0.53 trailers and semi-trailers
3.41
3 years 9.9 10.3 8.18% EXIM- 07.12.2025 0.52

Others 6.54
4 years 6.9 8.1 MMI 1.60
5 years NCA -0.53

9.1 10.3 Mfg of pharmaceuticals,
6 years 8.3 10.2 botanical products

10 years n.a n.a


INDIVIDUAL FUND
KOTAK PENSION GROWTH FUND
(ULIF-030-07/01/09-PNGWTFND-107)

07 January 2009
EQUITY 54.19 0.43 Govt & Govt
AUM (in Lakhs) ICICI Bank Ltd 3.60 AAA
1,716.52 Infosys Ltd 3.32 24.41
HDFC Bank Ltd 3.00
TREPS & Mutual
Kotak Banking ETF - Dividend Payout Option 2.50 Fund Investments
NAV
I T C Ltd 2.01 68.31
Fund Manager
Debt : Kunal Shah
930
State Bank of India 1.27 730
Debt - 60% (CRISIL Bond) Mahindra & Mahindra Ltd 1.01
Modified Duration
The Ramco Cements Ltd 0.84 Equity Debt NCA
Debt & Money
Market Instruments : 5.19 S R F Ltd 0.80
Others 16.08
G-Sec 29.03
8.70% REC - 28.09.2028 2.42
8.15% GOI FCI Bonds - 16.10.22 2.41
Equity 00 - 80 54 8.54% REC - 15.11.2028 1.80
Gsec / 37.98
Debt 7.95% GOI - 28.08.32 1.24
8.42% NABARD - 13.02.2029 1.19
MMI /
00 - 40 6 8.83% GOI - 12.12.2041 1.06 Govt. of India 13.72
Others
8.37% MP SDL - 05.12.2028 0.92

Growth 8.56% REC - 29.11.2028 1.20
Fund (%)
Mahindra and Mahindra Financial Services Ltd activities
1.16
Floater - 13.07
1 month 5.7 4.0
7.85% PFC - 03.04.2028 1.14 Mfg of coke and refined
petroleum products
4.79
3 months 5.3 3.5 10.08% IOT Utkal Energy Services Limited -
0.63
20.03.2026
6 months 8.2 6.6 9.39% LIC Housing Finance - 23.08.2024 - P - Mfg of chemicals and
3.84
26.08.15
1 year 9.5 9.2
8.65% PFC - 28.12.2024 0.59
2 years 8.4 8.3 8.57% REC - 21.12.2024 0.59 NCA 3.30
8.35% IRFC - 13.03.2029 0.59
3 years 11.1 10.6 8.3750% EXIM- 24.07.2025 0.59 Wholesale trade, except
8.25% EXIM- 23.06.2031 0.58 of motor vehicles and 2.90
4 years 8.4 8.2
motorcycles
Others 2.88
5 years 11.7 10.5 MMI 2.91
NCA 3.30
6 years 11.1 10.4

10 years 10.9 11.0


INDIVIDUAL FUND
KOTAK PENSION FLOOR FUND
(ULIF-031-13/07/09-PNFLRFND-107)
Aims to provide stable, long-term inflation beating growth over medium to long-term and defend capital against short-term capital shocks.

13 July 2009
1.94 Govt & Govt
EQUITY 37.89
AAA
29.03
NAV
59.02
Axis Bank Ltd 1.45
I T C Ltd 1.43
Fund Manager
Debt : Kunal Shah
2,272
Benchmark Details Bata India Ltd 0.78 1,430
Equity - 37.5% (Nifty); IndusInd Bank Ltd 0.76
Debt - 62.5% (CRISIL Bond) HCL Technologies Ltd 0.67
Modified Duration
Tech Mahindra Ltd 0.63 Equity Debt NCA
Debt & Money
Market Instruments : 5.18 Mahindra & Mahindra Financial Services Ltd 0.61
Others 11.22
G-Sec 35.54
8.70% REC - 28.09.2028 2.48
8.58% GJ SDL - 31.10.2028 1.92
Equity 00 - 75 38 8.54% REC - 15.11.2028 1.91
Gsec / 47.27
8.83% GOI - 12.12.2041 1.36
MMI /
Others
8.22% NABARD - 13.12.2028 1.08
8.52% KA SDL - 28.11.2028 0.97
Pension Floor Benchmark Corporate Debt 18.85

Fund (%) (%) 8.56% REC - 29.11.2028 1.64
8.3750% EXIM- 24.07.2025 1.07 activities
1 month 4.6 3.9
1.06
3 months 4.3 3.9 Floater - 13.07 Mfg of coke and refined
petroleum products
3.34
8.65% PFC - 28.12.2024 0.81
6 months 7.8 6.8 8.35% IRFC - 13.03.2029 0.80
1 year 8.4 9.9 8.18% EXIM- 07.12.2025 0.79
chemical products
2.81
7.85% PFC - 03.04.2028 0.78
2 years 7.2 8.5 L&T Finance Ltd NSE Mibor +2% - 05.08.2019 0.66
NCA 1.90
9.39% LIC Housing Finance - 23.08.2024 - P -
3 years 9.6 10.3 0.55
26.08.15
4 years 6.9 8.1 9.25% LIC Housing Finance - 12.11.2022 0.55

Others 10.14
5 years 9.0 10.3 MMI 5.83
NCA 1.90 Mfg of motor vehicles,
6 years 8.2 10.2 trailers and semi-trailers 1.79
7 years 8.3 10.0

10 years n.a n.a supply
Inception 6.9 9.5

Others 9.85

INDIVIDUAL FUND
PENSION FLOOR FUND II
(ULIF-043-08/01/10-PNFLRKFND2-107)
Aims to provide stable, long-term inflation beating growth over medium to long-term and defend capital against short-term capital shocks.

08 January 2010
1.64 Govt & Govt
6.59
AAA
HDFC Bank Ltd 2.09 30.78 Fund Investments
NAV
60.78
Axis Bank Ltd 1.47
I T C Ltd 1.45
Fund Manager
Debt : Kunal Shah
Bata India Ltd 0.83
3,413
Benchmark Details IndusInd Bank Ltd 0.77 2,193
Equity - 37.5% (Nifty); Aurobindo Pharma Ltd 0.68
Debt - 62.5% (CRISIL Bond) Britannia Industries Ltd 0.66
Maruti Suzuki India Ltd 0.65 114
Modified Duration
Others 11.62
G-Sec 36.26
8.70% REC - 28.09.2028 2.55
8.58% GJ SDL - 31.10.2028 2.00
Equity 00 - 75 38 8.54% REC - 15.11.2028 1.98
1.44% INFLATION INDEX GS 2023 1.95 Financial and insurance
Gsec / 45.84
Debt 7.95% GOI - 28.08.32 1.80
8.83% GOI - 12.12.2041 1.35
MMI /
Others
8.42% NABARD - 13.02.2029 1.07
8.52% KA SDL - 28.11.2028 0.98
Others 12.51
Performance Meter
Pension Floor Benchmark Computer programming,
9.05% HDFC - 16.10.2028 1.81
Fund II (%) (%) consultancy and related 3.99
8.56% REC - 29.11.2028 1.62 activities
1 month 4.6 3.9 8.3750% EXIM- 24.07.2025 1.06
3 months 4.4 3.9 Mahindra and Mahindra Financial Services Ltd
3.38
Floater - 13.07
6 months 7.9 6.8 L&T Finance Ltd NSE Mibor +2% - 05.08.2019 0.87
7.85% PFC - 03.04.2028 0.85
chemical products
2.84
1 year 8.8 9.9 8.65% PFC - 28.12.2024 0.71
2 years 7.6 8.5 8.35% IRFC - 13.03.2029 0.71

NCA 1.99
8.25% EXIM- 23.06.2031 0.70
3 years 10.1 10.3 8.18% EXIM- 07.12.2025 0.70
Others 9.40
MMI 3.93
5 years 9.3 10.3 NCA 1.99
6 years 8.5 10.2

10 years n.a n.a supply


INDIVIDUAL FUND
KOTAK PENSION BALANCED FUND
(ULIF-011-27/06/03-PNBALFND-107)

27 June 2003
1.17 0.22 Govt & Govt
3.23 0.67
Reliance Industries Ltd 4.01 AAA
AUM (in Lakhs) ICICI Bank Ltd 3.08 39.50
TREPS & Mutual
8,454.44 Infosys Ltd 2.73 Fund Investments
HDFC Bank Ltd 2.39 Fixed Deposit
Axis Bank Ltd 2.17
NAV AA+
59.6783 Larsen And Toubro Ltd 1.89 AA-
55.21
I T C Ltd 1.70
Fund Manager
Debt : Kunal Shah
Bata India Ltd 1.06
4,489
Benchmark Details The Ramco Cements Ltd 0.97
Debt - 70% (CRISIL Bond) Aurobindo Pharma Ltd 0.85
Britannia Industries Ltd 0.77 190
Modified Duration
Market Instruments : 5.00 Brigade Enterprises Ltd 0.68
Others 12.53
G-Sec 29.31
8.70% REC - 28.09.2028 1.72
Equity 00 - 60 45 7.95% GOI - 28.08.32 1.34
8.54% REC - 15.11.2028 1.22 Financial and insurance
Gsec / 43.76
Debt 8.58% GJ SDL - 31.10.2028 1.22
8.83% GOI - 12.12.2041 1.11
MMI /
00 - 40 4 8.52% KA SDL - 28.11.2028 0.86 Govt. of India 14.61
Others
8.22% NABARD - 13.12.2028 0.84
8.13% GOI - 22.06.2045 0.77

Balanced 11.08% HDFC - 13.04.2027 Set Down 13.04.20
(%) 1.22 consultancy and related 4.07
Fund (%) - 7.78%
activities
8.56% REC - 29.11.2028 0.97
1 month 5.0 3.4
Mahindra and Mahindra Financial Services Ltd Mfg of coke and refined
4.01
3 months 5.0 3.1 Floater - 13.07
8.65% PFC - 28.12.2024 0.84
6 months 8.2 6.7 8.3750% EXIM- 24.07.2025 0.83 Mfg of chemicals and
chemical products
3.45
8.35% IRFC - 13.03.2029 0.60
1 year 9.2 8.6
L&T Finance Ltd NSE Mibor +2% - 05.08.2019 0.59 Electricity, gas, steam
2 years 7.8 7.7 9.39% LIC Housing Finance - 23.08.2024 - P - and air conditioning 2.63
0.49 supply
26.08.15
3 years 10.5 9.8 8.25% EXIM- 23.06.2031 0.47
8.18% EXIM- 07.12.2025 0.47 NCA 2.24
4 years 8.3 8.1
Others 14.63
5 years 11.3 10.2 MMI 1.71
NCA 2.24
6 years 10.5 9.9

10 years 10.4 10.2


INDIVIDUAL FUND
PENSION BALANCED FUND II
(ULIF-046-24/01/10-PNBALFND2-107)

24 January 2010
Govt & Govt
EQUITY 56.00
12.45 TREPS & Mutual
AUM (in Lakhs) ICICI Bank Ltd 3.57 Fund Investments
375.98 Infosys Ltd 3.56 AAA
HDFC Bank Ltd 3.10
NAV
Axis Bank Ltd 2.38
31.19
49.89
I T C Ltd 2.02
Fund Manager
Debt : Kunal Shah
211
160
Equity - 60% (BSE 100); Bata India Ltd 1.15
Debt - 40% (CRISIL Bond) HCL Technologies Ltd 1.13
5
Modified Duration
Debt & Money
Others 16.33
G-Sec 21.26
8.56% NABARD - 14.11.2028 2.72
8.15% GOI FCI Bonds - 16.10.22 1.38
Equity 30 - 60 56 8.58% GJ SDL - 31.10.2028 1.30
Gsec / 42.87
Debt 8.83% GOI - 12.12.2041 0.90
MMI /
Others
8.52% KA SDL - 28.11.2028 0.64
8.13% GOI - 22.06.2045 0.62

Balanced 8.56% REC - 29.11.2028 2.74
Fund II (%)
9.36% IDFC Bank - 21.08.24 2.74 activities
1 month 5.4 5.1 10.08% IOT Utkal Energy Services Limited -
0.58
20.03.2026 Mfg of coke and refined
petroleum products
4.58
3 months 5.2 4.3 10.08% IOT Utkal Energy Services Limited -
0.57
20.03.2024
6 months 7.4 6.5 10.08% IOT Utkal Energy Services Limited - Mfg of chemicals and
4.03
20.03.2025
1 year 9.2 10.3
10.08% IOT Utkal Energy Services Limited -
0.29
20.03.2027 Mfg of motor vehicles,
2 years 8.3 9.4 2.80
10.08% IOT Utkal Energy Services Limited - trailers and semi-trailers
0.28
3 years 11.3 12.0 20.03.2023
10.08% IOT Utkal Energy Services Limited - Wholesale trade, except
0.28 of motor vehicles and 2.70
4 years 8.5 8.3 20.03.2022
motorcycles
7.40% HDFC Bank FD NSE - 17.08.2019 0.01
5 years 12.3 11.1 7.40% HDFC Bank FD NSE - 01.08.2019 0.01
6 years 12.2 11.3 Others 0.005
MMI 13.30
7 years 11.7 10.9 NCA 1.38 Mfg of tobacco products 2.02
10 years n.a n.a


INDIVIDUAL FUND
KOTAK PENSION BOND FUND
(ULIF-017-15/04/04-PNBNDFND-107)

15th April 2004 Holdings % to Fund
1.08 0.96 Govt & Govt
G-Sec 57.50
Guaranteed Bonds
7.26% GOI - 14.01.2029 11.02
AUM (in Lakhs) 8.70% REC - 28.09.2028 4.39 AAA
39.35
4,264.61 1.44% INFLATION INDEX GS 2023 3.89
8.58% GJ SDL - 31.10.2028 3.27
TREPS & Mutual
8.54% REC - 15.11.2028 2.89 Fund Investments
NAV
8.83% GOI - 12.12.2041 2.26
33.7049 7.95% GOI - 28.08.32 2.21 58.62 AA+
8.22% NABARD - 13.12.2028 1.91
8.13% GOI - 22.06.2045 1.85
Fund Manager
8.62% HR SDL 03.09.2028 1.83
AUM (in Lakhs)
4,184
9.05% HDFC - 16.10.2028 2.43
Benchmark Details Mahindra and Mahindra Financial Services Ltd
2.34
Floater - 13.07
Equity - 0% (NA);
Debt - 100% (CRISIL Bond) 8.56% REC - 29.11.2028 2.17
8.3750% EXIM- 24.07.2025 1.65
8.18% EXIM- 07.12.2025 1.63 81
Modified Duration 7.85% PFC - 03.04.2028 1.60
Debt & Money 8.35% IRFC - 13.03.2029 1.42 Debt NCA
8.25% EXIM- 23.06.2031 1.17
8.65% PFC - 28.12.2024 0.95
Asset Allocation 10.08% IOT Utkal Energy Services Limited -
20.03.2022 NIC 2008 % to Fund**
Gsec 00 - 75 58 MMI 1.06

NCA 1.90
activities
49.77
MMI /
00 - 40 3
Others
Performance Meter Govt. of India 24.64

Pension
Benchmark
Bond Fund
(%)
(%)
1 month 2.4 1.7

3 months 2.5 1.9
6 months 8.4 6.8
1 year 7.8 6.7

3 years 7.6 7.6
4 years 7.5 7.8

5 years 9.2 9.1 of motor vehicles and 3.68
motorcycles
6 years 8.2 8.3
7 years 8.7 8.4
10 years 8.6 7.7 NCA 1.90
Inception 8.5 6.6


INDIVIDUAL FUND
KOTAK PENSION GILT FUND
(ULIF-008-27/06/03-PNGLTFND-107)
Aims to preserve your capital and minimize your downside risk, with investment in debt and government instruments.

27 June 2003
2.20
G-Sec 105.84
7.26% GOI - 14.01.2029 26.19 Govt & Govt
420.81 7.71% GJ SDL - 01.03.2027 5.01

8.01% RJ SPL SDL - 23.06.2020 4.50
7.95% GOI - 28.08.32 3.85
NAV TREPS & Mutual
8.83% GOI - 12.12.2041 3.32
Fund Investments
31.8020 8.58% GJ SDL - 31.10.2028 3.11 97.80
8.37% MP SDL - 05.12.2028 2.99
Fund Manager
8.92% KA SDL - 07.03.2022 2.80
AUM (in Lakhs)
MMI 2.38
455
NCA -8.21
Benchmark Details
Equity - 0% (NA);
Debt - 100% (IBEX)
-35
Modified Duration Debt NCA

Debt & Money

Gsec 80 - 100 106
MMI /
00 - 40 -6
Others
Performance Meter
Pension
Benchmark
Gilt Fund
(%)
(%)
1 month 1.8 1.5
3 months 2.1 2.1 Govt. of India 52.04
6 months 8.8 8.0
1 year 8.9 9.0
2 years 6.8 7.0
3 years 8.1 8.3

activities 2.38
4 years 7.8 8.3
5 years 9.8 9.7
6 years 8.4 8.7
7 years 8.9 9.1
10 years 8.1 8.2

Others -8.21
Inception 7.6 7.6



INDIVIDUAL FUND
KOTAK PENSION FLOATING RATE FUND
(ULIF-022-07/12/04-PNFLTRFND-107)

07 December 2004
4.61
G-Sec 48.06 4.87 Govt & Govt
9.37% MAH SDL - 04.12.2023 14.10 Guaranteed Bonds
AUM (in Lakhs) 9.65% TN SDL - 12.03.2024 5.02
103.16 8.84% PN SDL - 11.06.2024 3.85 TREPS & Mutual
7.99% MH SDL - 05.08.2019 3.45 Fund Investments
8.39% RJ SPL SDL - 15.03.2022 2.07
NAV
8.90% MH SDL -19.12.2022 2.03 A1+
27.8134 8.92% RJ SDL - 21.11.2022 2.03
90.52
8.51% PN SDL - 10.04.2023 1.96
8.15% GOI FCI Bonds - 16.10.22 1.94
Fund Manager
8.21% RJ SPL SDL - 31.03.2022 1.92
AUM (in Lakhs)
103
FRB G - 21.12.2020 34.34
Benchmark Details MMI 17.06
Equity - 0% (NA); NCA 0.54
Modified Duration 1


Gsec 00 - 75 48
Debt 25 - 100 34
MMI /
00 - 40 18 Govt. of India 49.27
Others
Performance Meter
Pension
Benchmark
Floating Rate
(%)
Fund (%)
State Development
Loan 40.76
1 month 0.7 0.7
3 months 1.9 1.8
6 months 5.0 3.8
1 year 6.5 7.6
2 years 5.8 7.2 Financial and

insurance activities 9.43
3 years 6.4 7.2
4 years 6.6 7.4
5 years 7.3 7.7
6 years 8.0 8.0
7 years 8.1 8.0 NCA 0.54
10 years 7.5 7.5
Inception 7.4 7.2


INDIVIDUAL FUND
PENSION MONEY MARKET FUND II
(ULIF-039-28/12/09-PNMNMKFND-107)
Aims to protect your capital and not have downside risks

28 December 2009
3.60
MMI 99.57 A1+
NCA 0.43 21.09
AUM (in Lakhs)
836.62 Govt & Govt
Guaranteed Bonds
NAV
TREPS & Mutual
19.5558 75.31 Fund Investments
Fund Manager
AUM (in Lakhs)
Debt : Kunal Shah
833
Benchmark Details
Equity - 0% (NA);
4
Modified Duration

MMI /
100 100
Others

activities 53.64
Performance Meter
Pension
Money Benchmark
Market (%)
Fund II (%) Govt. of India 21.00
1 month 0.7 0.7
3 months 1.9 1.8
6 months 3.6 3.8

1 year 7.0 7.6 supply
2 years 6.6 7.2
3 years 6.8 7.2
4 years 7.1 7.4

5 years 7.4 7.7
6 years 7.6 8.0
7 years 7.9 8.0
10 years n.a n.a

NCA 0.43
Inception 7.5 7.8


INDIVIDUAL FUND
KOTAK ADVANTAGE MULTIPLIER FUND II
(ULIF-026-21/04/06-ADVMULFND2-107)
Aims for a high level of capital growth by holding a significant portion in equities. May experience high levels of shorter term volatility (downside
risk).

21 April 2006
G-Sec 87.25 100.00
8.56% TN SDL - 22.06.2021 79.15
AUM (in Lakhs) 9.20% GOI - 30.09.2030 8.10
0.42 NCA 12.75 Govt & Govt
Guaranteed Bonds
NAV
18.4543
Fund Manager
Debt : Kunal Shah
0.36
Benchmark Details
Equity - 50% (Nifty);
Debt - 50% (CRISIL Bond)
0.05
Modified Duration
Debt NCA
Debt & Money

Equity 00 - 100 0
Gsec /
00 - 100 87
Debt
MMI / State Development

00 - 40 13 Loan 79.15
Others
Performance Meter
Kotak
Advantage Benchmark
Multiplier (%)
Fund II (%)
1 month 0.6 4.7
3 months 1.6 4.5

NCA 12.75
6 months 4.1 6.7
1 year 4.3 11.0
2 years 3.7 9.4
3 years 3.2 11.2
4 years 3.6 8.2
5 years 4.2 10.6

Govt. of India 8.10
6 years 4.2 10.7
7 years 4.6 10.4
10 years 5.4 11.4
Inception 4.8 9.1

INDIVIDUAL FUND
DISCONTINUED POLICY FUND
(ULIF-050-23/03/11-DISPOLFND-107)
Aims to provide secure returns to policies in the discontinued state, by investing in low- risk debt instruments.

23 March 2011
rd Holdings % to Fund
9.08
G-Sec 69.19 Govt & Govt
364 Days T Bill - 08.11.2019 33.27 Guaranteed Bonds
AUM (in Lakhs) 364 Days T Bill - 18.10.2019 16.32 21.97
25,408.31 364 Days T Bill - 13.06.2019 7.76 A1+
364 Days T Bill - 10.10.2019 6.71
364 Days T Bill - 31.10.2019 5.12
NAV
MMI 31.15
TREPS & Mutual
17.9832 NCA -0.34 68.95 Fund Investments
Fund Manager
AUM (in Lakhs)
Debt : Kunal Shah
25,494
Benchmark Details
-86
Modified Duration Debt NCA

Debt & Money

Gsec 60 - 100 69
MMI /
00 - 40 31 Govt. of India 69.19
Others
Performance Meter
Discontinued Financial and insurance
Benchmark activities 20.45
Policy Fund
(%)
(%)
1 month 0.5 0.7
3 months 1.6 1.8

6 months 3.2 3.8 5.78
petroleum products
1 year 6.3 7.6
2 years 6.1 7.2
3 years 6.2 7.2

4 years 6.5 7.4
supply
5 years 6.9 7.7
6 years 7.2 8.0
7 years 7.5 8.0

Others -0.34
10 years n.a n.a
Inception 7.6 8.1


GROUP FUNDS
KOTAK GROUP KOTAK GROUP KOTAK GROUP KOTAK GROUP

DYNAMIC FLOOR FUND BALANCED FUND BOND FUND GILT FUND
KOTAK GROUP KOTAK GROUP MONEY KOTAK GROUP SECURE KOTAK GROUP SHORT
FLOATING RATE FUND MARKET FUND CAPITAL FUND TERM BOND FUND
KOTAK GROUP
PRUDENT FUND

GROUP FUND
KOTAK GROUP DYNAMIC FLOOR FUND
(ULGF-015-07/01/10-DYFLRFND-107)
Aims to provide stable long term inflation beating growth over the medium to longer term and defend capital against short term capital shocks.
Is likely to out-perform traditional balanced or equity funds during sideways or falling markets and shadow the rising equity markets.

07 January 2010
3.83 1.33 Govt & Govt
EQUITY 29.99 5.76
Guaranteed Bonds
AAA
29.24
388.27 Infosys Ltd 1.94 TREPS & Mutual
NAV
Axis Bank Ltd 1.21
30.5353 Larsen And Toubro Ltd 1.17 59.84 Fixed Deposit
ITC Ltd 1.11
Fund Manager
Equity: Rohit Agarwal AUM (in Lakhs)
Debt : Kunal Shah IndusInd Bank Ltd 0.82
260
Equity - 30% (Nifty) Bata India Ltd 0.62 116
Debt - 70% (CRISIL Bond) HCL Technologies Ltd 0.57
11
Modified Duration
Others 8.68
G-Sec 40.13
9.20% GOI - 30.09.2030 2.89 NIC 2008 % to Fund**
8.70% REC - 28.09.2028 2.68
Equity 00 - 60 30 8.15% GOI FCI Bonds - 16.10.22 2.66
8.54% REC - 15.11.2028 2.65 Financial and insurance
activities
39.42
Gsec / 8.56% NABARD - 14.11.2028 2.63
00 - 100 63
Debt 8.58% GJ SDL - 31.10.2028 2.07
7.95% GOI - 28.08.32 2.02 Govt. of India 23.35
MMI /
00 - 40 7 8.83% GOI - 12.12.2041 1.50
Others
State Development
Others 9.51 Loan
8.82
Performance Meter
Kotak Group
Benchmark Electricity, gas, steam
Dynamic Floor 9.30% PGC - 28.06.2023 3.40
(%) and air conditioning 7.02
Fund (%) 8.85% PGC - 19.10.2021 3.31 supply
1 month 4.0 3.5 8.90% PFC - 18.03.2028 2.67
8.63% REC - 25.08.2028 2.64 consultancy and related 3.35
3 months 3.8 3.5 9.10% Shriram Transport Finance Co Ltd activities
2.57
12.07.2021
6 months 7.9 6.8
8.25% EXIM- 23.06.2031 2.57 NCA 2.95
1 year 8.7 9.3 7.85% PFC - 03.04.2028 2.52
7.62% EXIM- 01.09.2026 2.49
2 years 7.3 8.0 7.40% HDFC Bank FD NSE - 17.08.2019 0.37 petroleum products 2.49
3 years 9.4 9.8 7.40% HDFC Bank FD NSE - 01.08.2019 0.36

Others 0.17 Mfg of chemicals and
4 years 6.8 8.1 MMI 3.86
NCA 2.95
6 years 8.3 9.8
10 years n.a n.a


GROUP FUND
KOTAK GROUP BALANCED FUND
(ULGF-003-27/06/03-BALFND-107)
Aims for moderate growth by holding a diversified mix of equities and fixed interest instruments. May also be susceptible to moderate levels of
shorter-term volatility (downside risk).

27 June 2003
1.18 Govt & Govt
EQUITY 54.02 1.72 0.06 Guaranteed Bonds
9.91 51.82 AAA
TREPS & Mutual
90,215.54 ICICI Bank Ltd 3.46 Fund Investments
HDFC Bank Ltd 3.01 AA+
NAV 35.31 A1+
Axis Bank Ltd 2.17
ITC Ltd 2.06
Fund Manager
Equity: Rohit Agarwal AUM (in Lakhs)
Debt : Kunal Shah IndusInd Bank Ltd 1.42
Asian Paints Ltd 1.28 48,739
40,756
Equity - 60% (BSE 100) Bata India Ltd 1.06
Debt - 40% (CRISIL Bond) Tech Mahindra Ltd 1.04
HCL Technologies Ltd 0.96 721
Modified Duration
Others 16.06
G-Sec 23.39
8.70% REC - 28.09.2028 1.85 NIC 2008 % to Fund**
7.95% GOI - 28.08.32 1.21
Equity 30 - 60 54 8.54% REC - 15.11.2028 1.14
activities
45.71
Gsec / 8.15% GOI FCI Bonds - 16.10.22 1.01
20 - 70 40
Debt 8.83% GOI - 12.12.2041 0.79
8.42% NABARD - 13.02.2029 0.73 Govt. of India 11.10
MMI /
00 - 40 6 8.37% MP SDL - 05.12.2028 0.59
Others
8.22% NABARD - 13.12.2028 0.57
Kotak Group
Balanced 8.56% REC - 29.11.2028 1.18
Fund (%) 9.05% HDFC - 20.11.2023 1.15 activities
1 month 5.5 5.1 9.05% HDFC - 16.10.2028 1.14
8.65% PFC - 28.12.2024 0.86
petroleum products
4.55
3 months 5.2 4.3 8.3750% EXIM- 24.07.2025 0.75
6 months 7.9 6.5 L&T Finance Ltd NSE Mibor +2% - 05.08.2019 0.72
Shriram Transport Finance Co Ltd Floater - chemical products
4.15
0.60
1 year 9.8 10.3 19.07.19
7.85% PFC - 03.04.2028 0.58
2 years 9.0 9.4 8.35% IRFC - 13.03.2029 0.55 trailers and semi-trailers
2.82
3 years 11.8 12.0 Mahindra and Mahindra Financial Services Ltd

0.48
Floater - 13.07
4 years 8.9 8.3 Others 8.78
MMI 5.01
5 years 12.8 11.1 NCA 0.80
6 years 12.7 11.3
7 years 12.2 10.9 Mfg of other non-metallic

mineral products 1.75
10 years 12.6 11.5


GROUP FUND
KOTAK GROUP BOND FUND
(ULGF-004-15/04/04-BNDFND-107)
Returns will be in line with those of fixed interest instruments, and may provide little protection against unexpected inflation increases. Will pre-
serve capital and minimize downside risk, with investment in debt and government instruments.

15 April 2004
0.66 Govt & Govt
G-Sec 56.78 Guaranteed Bonds
1.27 0.08
7.26% GOI - 14.01.2029 16.03 AAA
39.33
AUM (in Lakhs) 8.70% REC - 28.09.2028 4.12
1,36,170.94 8.54% REC - 15.11.2028 3.36 TREPS & Mutual
8.58% GJ SDL - 31.10.2028 3.23 Fund Investments
7.95% GOI - 28.08.32 3.11 AA+
NAV
8.83% GOI - 12.12.2041 2.30
36.1607 8.37% MP SDL - 05.12.2028 1.82 AA-
58.66
8.22% NABARD - 13.12.2028 1.72
8.52% KA SDL - 28.11.2028 1.66
Fund Manager
8.13% GOI - 22.06.2045 1.60
AUM (in Lakhs)
8.56% REC - 29.11.2028 2.65 1,31,808
Equity - 0% (NA) 9.05% HDFC - 20.11.2023 2.05
Debt - 100% (CRISIL Bond) Mahindra and Mahindra Financial Services Ltd
1.85
Floater - 13.07
8.3750% EXIM- 24.07.2025 1.71 4,363
Modified Duration 8.35% IRFC - 13.03.2029 1.45
Debt & Money L&T Finance Ltd NSE Mibor +2% - 05.08.2019 1.38 Debt NCA
8.18% EXIM- 07.12.2025 1.21
7.85% PFC - 03.04.2028 1.20
Asset Allocation 11.08% HDFC - 13.04.2027 Set Down 13.04.20
- 7.78% NIC 2008 % to Fund**
MMI 1.23
Gsec 00 - 75 57
NCA 3.20
Debt 25 - 100 39 activities 50.57
MMI /
00 - 40 4
Others

Performance Meter
Kotak Group
Benchmark
Bond Fund
(%)
(%)
1 month 2.5 1.7
3 months 2.6 1.9
6 months 8.6 6.8 NCA 3.20

1 year 8.3 6.7
2 years 6.6 5.9

supply
4 years 8.0 7.8
5 years 9.7 9.1

of motor vehicles and 2.37
6 years 8.7 8.3 motorcycles
7 years 9.2 8.4
10 years 9.4 7.7

Inception 9.0 6.6


GROUP FUND
KOTAK GROUP GILT FUND
(ULGF-002-27/06/03-GLTFND-107)
Returns will be in line with those of fixed interest instruments, and may provide little protection against unexpected inflation increases. Will pre-
serve capital and minimize downside risk, with investment in debt and government instruments.

27 June 2003
1.07
G-Sec 97.13
7.26% GOI - 14.01.2029 22.92 Govt & Govt
5,253.15 8.62% HR SDL 03.09.2028 4.50

7.71% GJ SDL - 01.03.2027 4.39
7.38% MP SDL - 14.09.2026 4.29
NAV TREPS & Mutual
8.01% RJ SPL SDL - 23.06.2020 4.18
Fund Investments
32.4924 8.18% HR Uday SDL 15.06.2023 3.87 98.93
8.34% PN SDL - 30.05.2028 3.85
7.95% GOI - 28.08.32 3.07
Fund Manager
8.58% GJ SDL - 31.10.2028 3.04
AUM (in Lakhs)
MMI 1.05
5,157
NCA 1.83
Benchmark Details
Equity - 0% (NA)
Debt - 100% (IBEX)
96
Modified Duration

Gsec 80 - 100 97
MMI /
00 - 20 3
Others State Development
Loan 52.11
Performance Meter
Kotak Group
Benchmark
Gilt Fund
(%)
(%)
1 month 1.8 1.5
3 months 2.0 2.1
6 months 8.8 8.0
1 year 8.9 9.0
2 years 6.9 7.0

NCA 1.83
3 years 8.3 8.3
4 years 8.0 8.3
5 years 10.0 9.7
6 years 8.6 8.7

Financial and
7 years 9.1 9.1 insurance activities 1.05
10 years 8.4 8.2
Inception 7.8 7.6


GROUP FUND
KOTAK GROUP FLOATING RATE FUND
(ULGF-005-07/12/04-FLTRFND-107)
Returns will be in line with those of fixed interest instruments, and may provide little protection against unexpected inflation increases Will preserve
capital and minimize downside risk, with investment in debt and government instruments.

07 December 2004
6.67 Govt & Govt
G-Sec 41.07 6.91 Guaranteed Bonds
9.37% MAH SDL - 04.12.2023 11.75
8.51 AAA
AUM (in Lakhs) 9.12% GJ SDL - 23.05.2022 5.91
12,385.84 8.92% RJ SDL - 21.11.2022 3.46 TREPS & Mutual
8.14% MH SDL -23.09.2019 2.44 Fund Investments
15.23
8.39% RJ SPL SDL - 15.03.2022 1.96 AA+
NAV
8.62% MAH SDL - 20.02.2023 1.68
29.4204 8.38% MAH SDL - 25.03.2020 1.67 62.68 A1+
8.30% MH SDL -09.09.2019 1.62
8.84% PN SDL - 11.06.2024 1.55
Fund Manager
AUM (in Lakhs)
FRB G - 21.12.2020 17.21 12,165
Benchmark Details L&T Finance Ltd NSE Mibor +2% - 05.08.2019 7.87
Equity - 0% (NA) Mahindra and Mahindra Financial Services Ltd
7.09
Debt - 100% (CRISIL Liquid) Floater - 13.07
Shriram Transport Finance Co Ltd Floater -
6.78
19.07.19
221
Modified Duration MMI 18.19
Debt & Money NCA 1.78 Debt NCA

Gsec 00 - 75 41
Debt 25 - 100 39
MMI / State Development Loan 36.83

00 - 40 20
Others
Performance Meter
Kotak Group
Benchmark
Floating Rate
(%)
Fund (%)
activities 36.65
1 month 0.8 0.7
3 months 2.1 1.8
6 months 5.3 3.8
1 year 7.1 7.6
2 years 6.4 7.2

3 years 7.0 7.2
4 years 7.1 7.4
5 years 7.8 7.7
6 years 8.5 8.0
7 years 8.6 8.0 NCA 1.78
10 years 8.0 7.5
Inception 7.8 7.2


GROUP FUND
KOTAK GROUP MONEY MARKET FUND
(ULGF-001-27/06/03-MNMKFND-107)
Will protect capital and not have downside risks.
Date of Inception Portfolio AUM (in Lakhs)

12 August 2013
NCA 100.00 2.02
AUM (in Lakhs)

2.02
NAV
14.2930 NCA
Fund Manager
Sector Allocation as per
Debt : Kunal Shah NIC 2008 % to Fund**
Benchmark Details
Equity - 0% (NA)
Modified Duration
Debt & Money
Market Instruments : -
Asset Allocation
MMI /
100 100
Others
NCA 100.00
Performance Meter
Kotak Group
Money Benchmark
Market Fund (%)
(%)
1 month 0.1 0.7
3 months 1.9 1.8
6 months 3.2 3.8
1 year 5.8 7.6
2 years 5.3 7.2
3 years 4.9 7.2
4 years 5.5 7.4
5 years 6.1 7.7

6 years n.a n.a Industrial Classification 2008.
7 years n.a n.a
10 years n.a n.a
Inception 6.5 8.0


GROUP FUND
KOTAK GROUP SECURE CAPITAL FUND
(ULGF-016-12/04/11-SECCAPFND-107)
The portfolio will consist of highly rated debt instruments including corporate debt and infrastructure debt assets as defined in the IRDA regula-
tions, Government securities and short term investments.

12 April 2011
0.59
G-Sec 60.29 Govt & Govt
0.39
Guaranteed Bonds
7.26% GOI - 14.01.2029 16.35
37.22
AUM (in Lakhs) 8.70% REC - 28.09.2028 3.94 AAA
32,985.19 8.54% REC - 15.11.2028 3.37
7.95% GOI - 28.08.32 3.17
AA+
8.58% GJ SDL - 31.10.2028 3.04
NAV
8.83% GOI - 12.12.2041 2.43
19.9615 8.13% GOI - 22.06.2045 2.09 TREPS & Mutual
61.81 Fund Investments
8.37% MP SDL - 05.12.2028 1.81
8.42% NABARD - 13.02.2029 1.80
Fund Manager
8.22% NABARD - 13.12.2028 1.70
AUM (in Lakhs)
8.56% REC - 29.11.2028 2.59 32,177
Benchmark Details Mahindra and Mahindra Financial Services Ltd
1.69
Floater - 13.07
Debt - 100% (CRISIL Bond) 9.05% HDFC - 16.10.2028 1.57
8.35% IRFC - 13.03.2029 1.50
7.85% PFC - 03.04.2028 1.30 808
Modified Duration L&T Finance Ltd NSE Mibor +2% - 05.08.2019 1.29
Debt & Money 8.3750% EXIM- 24.07.2025 1.28 Debt NCA
8.25% EXIM- 23.06.2031 0.94
11.08% HDFC - 13.04.2027 Set Down 13.04.20
0.94
- 7.78%
8.18% EXIM- 07.12.2025 0.84 NIC 2008 % to Fund**
Gsec 00 - 75 60 MMI 0.38

NCA 2.45
activities 47.47
MMI /
00 - 40 3
Others

Performance Meter
Kotak Group
Benchmark
Secure Capital
(%)
Fund (%)
1 month 2.4 1.7

3 months 2.5 1.9
6 months 8.4 6.8
1 year 8.1 6.7 Electricity, gas, steam

3 years 8.0 7.6
4 years 7.8 7.8
5 years 9.5 9.1 NCA 2.45
6 years 8.5 8.3
7 years 9.0 8.4

10 years n.a n.a of motor vehicles and 2.09
motorcycles
Inception 9.1 8.3


GROUP FUND
KOTAK GROUP SHORT TERM BOND FUND
(ULGF-018-18/12/13-SHTRMBND-107)
Will generate stable returns through investments in a suitable mix of debt and money market instruments.

19 October 2015
10.17 1.57
G-Sec 27.61 AAA
8.15% RJ SPL SDL - 23.06.2021 5.68
AUM (in Lakhs) 8.65% RJ SDL - 03.10.2028 4.64 Govt & Govt
8,942.75 9.50% GJ SDL - 11.09.2023 2.40 Guaranteed Bonds
28.71
8.09% GJ SDL - 25.05.2020 2.26
A1+
NAV
9.69% PN SDL - 12.02.2024 1.21
12.6927 8.90% KA SDL - 19.12.2022 1.17 59.56 TREPS & Mutual
Fund Investments
9.17% PN SDL - 11.04.2022 1.17
8.09% TN SDL - 09.06.2020 1.13
Fund Manager
9.25% RJ SDL - 09.10.2023 0.89
AUM (in Lakhs)
8,600
8.95% Bajaj Finance Ltd - 10.04.2020 7.90
9.30% PGC - 28.06.2020 5.70
100%-CRISIL Short Term Bond Fund Index
8.60% LIC Housing Finance - 22.07.2020 5.63
08.48% Mahindra and Mahindra Financial
5.59 343
Services Ltd- 26.06.2
Modified Duration 8.80% REC - 17.11.2019 4.51
Debt & Money 7.4805% Kotak Mahindra Prime Ltd- 11.06.2020 3.32 Debt NCA
8.90% PGCIL - 25.02.2021 2.29
9.20% PFC - 07.07.2021 2.07
Asset Allocation 7.74% IRFC - 22.12.2020 2.02 Sector Allocation as per
Others 12.45 NIC 2008 % to Fund**
MMI 11.28
Gsec 00 - 50 28 NCA 3.84
Debt 25 - 75 57
activities
58.21
MMI /
10 - 75 15
Others
Performance Meter
Kotak Group State Development Loan 25.50
Short Term Benchmark
Bond Fund (%)
(%)
1 month 1.3 1.3

3 months 2.5 2.5 and air conditioning 8.13
supply
6 months 5.8 5.6
1 year 7.1 7.6
2 years 6.6 6.9 NCA 3.84
3 years 7.2 7.6
4 years n.a n.a
5 years n.a n.a Mfg of coke and refined

6 years n.a n.a
7 years n.a n.a
10 years n.a n.a

Govt. of India 2.10
Inception 7.2 7.6


GROUP FUND
KOTAK GROUP PRUDENT FUND
(ULGF-019-04/07/17-KGPFFND-107)
Aims to provide enhanced long term returns by taking a moderate exposure to equity and equity related securities and active management of a
fixed income portfolio.

1 June 2018
6.43
EQUITY 17.47 42.27 AAA
AUM (in Lakhs) ICICI Bank Ltd 1.17 Govt & Govt
1,927.02 Infosys Ltd 1.14 Guaranteed Bonds
HDFC Bank Ltd 1.01
TREPS & Mutual
Kotak Banking ETF - Dividend Payout Option 0.82 Fund Investments
NAV
Axis Bank Ltd 0.81 35.85
11.0561 Reliance ETF Bank Bees 0.71 AA+
I T C Ltd 0.64
Fund Manager
Debt : Kunal Shah
1,554
20% BSE 100 & 80% CRISIL Bond
Bata India Ltd 0.32
337
37
Modified Duration
Debt & Money
Market Instruments : 4.32 Britannia Industries Ltd 0.28
Others 5.08
G-Sec 27.66
8.58% GJ SDL - 31.10.2028 2.69 NIC 2008 % to Fund**
8.70% REC - 28.09.2028 1.62
Equity 00 - 20 17 8.74% PN SDL - 14.12.2021 1.34
Gsec / 7.95% GOI Fertilizer Bond - 18.02.26 1.14 Financial and insurance
55.78
Debt 6.90% OIL SPL - 04.02.2026 1.12
8.23% GOI FCI - 12.02.27 1.11
MMI /
00 - 40 16 8.30% Fertilizer Co GOI - 07.12.23 1.11 Govt. of India 22.21
Others
7.95% GOI - 28.08.32 1.05
8.20% NABARD - 16.03.2028 1.05 Wholesale trade, except
Others 2.65 of motor vehicles and 4.79
Performance Meter motorcycles
Kotak Group
Benchmark
Prudent Fund 9.24% LIC Housing Finance - 30.09.2024 6.38
(%) State Development Loan 4.03
(%) 9.05% HDFC - 20.11.2023 5.37
1 month 3.4 2.9 8.56% REC - 29.11.2028 5.34
9.10% Shriram Transport Finance Co Ltd consultancy and related 1.98
5.18
3 months 3.5 2.7 12.07.2021 activities
7.85% PFC - 03.04.2028 5.07
6 months 9.1 6.7
10.08% IOT Utkal Energy Services Limited - NCA 1.91
4.78
20.03.2027
1 year n.a n.a
7.62% EXIM- 01.09.2026 4.02
2 years n.a n.a 8.55% IRFC - 03.02.2020 1.05 Mfg of coke and refined
8.35% IRFC - 13.03.2029 1.05
3 years n.a n.a
8.18% EXIM- 07.12.2025 0.52
4 years n.a n.a Others 0.51 chemical products 1.29
MMI 13.70
5 years n.a n.a NCA 1.91 Mfg of motor vehicles,
6 years n.a n.a
7 years n.a n.a

10 years n.a n.a


ANNEXURE
The Break-up of Others is as given below
Equity Classic Opportunities Fund Equity Frontline Equity Fund

Others 32.15 Others 27.97
Bharat Petroleum Corporation Ltd 1.28 The Ramco Cements Ltd 1.48
Tech Mahindra Ltd 1.27 S R F Ltd 1.46
Shree Cement Ltd 1.27 HCL Technologies Ltd 1.38
Bata India Ltd 1.19 Bajaj Finance Ltd 1.33
Ratnakar Bank Ltd 1.17 Mahindra & Mahindra Financial Services Ltd 1.20
Petronet L N G Ltd 1.06 Interglobe Aviation Ltd 1.19
Interglobe Aviation Ltd 1.05 P I Industries Ltd 1.14
Mahindra & Mahindra Ltd 1.01 Ratnakar Bank Ltd 1.04
Reliance ETF Bank Bees 0.96 Ashok Leyland Ltd 1.02
Hindalco Industries Ltd 0.94
Voltas Ltd 0.99
Torrent Pharmaceuticals Ltd 0.92
Jubilant Foodworks Ltd 0.97
Indraprastha Gas Ltd 0.91
Exide Industries Ltd 0.86
Apollo Tyres Ltd 0.96
P I Industries Ltd 0.86
Tata Power Company Ltd 0.92
Divis Laboratories Ltd 0.83
Havells India Ltd 0.80 Tata Consultancy Services Ltd 0.86
Motherson Sumi Systems Ltd 0.80 P N C Infratech Ltd 0.82
Dr Reddys Laboratories Ltd 0.79 Tata Steel Ltd 0.80
HCL Technologies Ltd 0.77 Sun Pharmaceuticals Ltd 0.73
Container Corporation of India Ltd 0.74 Bharat Electronics Ltd 0.73
Voltas Ltd 0.73 Exide Industries Ltd 0.71
IndusInd Bank Ltd 0.72 Shree Cement Ltd 0.71
Ashok Leyland Ltd 0.68 Brigade Enterprises Ltd 0.70
The Ramco Cements Ltd 0.66 Coromandel International Ltd 0.69
ICICI Lombard General Insurance Company Ltd 0.66 Kajaria Ceramics Ltd 0.65
Indian Hotels Company Ltd 0.64 Supreme Industries Ltd 0.63
S R F Ltd 0.62 Whirlpool of India Ltd 0.58
Jubilant Foodworks Ltd 0.62 Odisha Cement Ltd 0.56
Odisha Cement Ltd 0.61 Hindalco Industries Ltd 0.55
Apollo Tyres Ltd 0.61 Petronet L N G Ltd 0.49
Bharat Electronics Ltd 0.59 AU Small Finance Bank Ltd 0.40
Future Retail Ltd 0.58 Astral Poly Technik Ltd 0.36
AU Small Finance Bank Ltd 0.56 Aavas Financiers Ltd 0.34
Colgate Palmolive India Ltd 0.56 GlaxoSmithKline Consumer Healthcare Ltd 0.22
P N C Infratech Ltd 0.55 Somany Ceramics Ltd 0.21
Brigade Enterprises Ltd 0.52 Torrent Pharmaceuticals Ltd 0.19
HDFC Asset Management Co Ltd 0.52
6% Zee Entertainment Enterprises Ltd Pref Shares 0.01
City Union Bank Ltd 0.50
Astral Poly Technik Ltd 0.48
HDFC Standard Life Insurance Company Ltd 0.43
Eicher Motors Ltd 0.42
Jindal Steel and Power Ltd 0.38
Somany Ceramics Ltd 0.03
Equity Dynamic Floor Fund II Equity Balanced Fund

Hindustan Unilever Ltd 0.60 The Ramco Cements Ltd 0.86
Mahindra & Mahindra Financial Services Ltd 0.59 S R F Ltd 0.86
The Ramco Cements Ltd 0.59 Aurobindo Pharma Ltd 0.84
S R F Ltd 0.57 Bajaj Finance Ltd 0.77
Interglobe Aviation Ltd 0.51 Mahindra & Mahindra Financial Services Ltd 0.71
P I Industries Ltd 0.45 P I Industries Ltd 0.66
Ratnakar Bank Ltd 0.43 Interglobe Aviation Ltd 0.63
Bajaj Finance Ltd 0.42 Titan Industries Ltd 0.60
Apollo Tyres Ltd 0.40 Ratnakar Bank Ltd 0.59
Titan Industries Ltd 0.40 Tata Power Company Ltd 0.58
Whirlpool of India Ltd 0.39 Jubilant Foodworks Ltd 0.57
Tata Power Company Ltd 0.39 Apollo Tyres Ltd 0.54
Jubilant Foodworks Ltd 0.39 Ashok Leyland Ltd 0.50
Voltas Ltd 0.37 P N C Infratech Ltd 0.49
Tata Consultancy Services Ltd 0.37 Kajaria Ceramics Ltd 0.48
Ashok Leyland Ltd 0.35 Tata Steel Ltd 0.47
Brigade Enterprises Ltd 0.32 Tata Consultancy Services Ltd 0.45
Shree Cement Ltd 0.31 Coromandel International Ltd 0.44
Sun Pharmaceuticals Ltd 0.30 Sun Pharmaceuticals Ltd 0.42
P N C Infratech Ltd 0.30 Voltas Ltd 0.41
Supreme Industries Ltd 0.28 Shree Cement Ltd 0.40
Odisha Cement Ltd 0.27 Exide Industries Ltd 0.37
Coromandel International Ltd 0.27 Supreme Industries Ltd 0.35
Kajaria Ceramics Ltd 0.27 Whirlpool of India Ltd 0.34
Exide Industries Ltd 0.25 Hindalco Industries Ltd 0.34
Tata Steel Ltd 0.23 Brigade Enterprises Ltd 0.31
Hindalco Industries Ltd 0.22 AU Small Finance Bank Ltd 0.30
AU Small Finance Bank Ltd 0.22 Odisha Cement Ltd 0.29
Petronet L N G Ltd 0.21 Petronet L N G Ltd 0.27
Bharat Electronics Ltd 0.17 Bharat Electronics Ltd 0.25
Astral Poly Technik Ltd 0.17 Aavas Financiers Ltd 0.20
Aavas Financiers Ltd 0.16 Astral Poly Technik Ltd 0.18
GlaxoSmithKline Consumer Healthcare Ltd 0.11 Torrent Pharmaceuticals Ltd 0.11
Somany Ceramics Ltd 0.10 GlaxoSmithKline Consumer Healthcare Ltd 0.10
Torrent Pharmaceuticals Ltd 0.08 Somany Ceramics Ltd 0.10

ANNEXURE
Equity Kotak Opportunities Fund Equity Kotak Aggressive Growth Fund

Tech Mahindra Ltd 1.32 SBI ETF Nifty Bank 1.80
Shree Cement Ltd 1.31 The Ramco Cements Ltd 1.55
Bharat Petroleum Corporation Ltd 1.29 Ashok Leyland Ltd 1.46
Bata India Ltd 1.19
Ratnakar Bank Ltd 1.17 Tata Power Company Ltd 1.29
Interglobe Aviation Ltd 1.13 Mahindra & Mahindra Financial Services Ltd 1.26
Petronet L N G Ltd 1.09 S R F Ltd 1.22
Mahindra & Mahindra Ltd 1.07 Bajaj Finance Ltd 1.17
Hindalco Industries Ltd 0.98 Exide Industries Ltd 1.14
Reliance ETF Bank Bees 0.97 Titan Industries Ltd 1.14
Indraprastha Gas Ltd 0.92 Voltas Ltd 1.06
Torrent Pharmaceuticals Ltd 0.91 Ratnakar Bank Ltd 0.99
P I Industries Ltd 0.88 Apollo Tyres Ltd 0.99
Divis Laboratories Ltd 0.86 P I Industries Ltd 0.97
Motherson Sumi Systems Ltd 0.84 Shree Cement Ltd 0.96
Havells India Ltd 0.84 Jubilant Foodworks Ltd 0.95
Dr Reddys Laboratories Ltd 0.82 Sun Pharmaceuticals Ltd 0.95
HCL Technologies Ltd 0.75 Interglobe Aviation Ltd 0.90
Voltas Ltd 0.75 Tata Consultancy Services Ltd 0.82
Ashok Leyland Ltd 0.75
Supreme Industries Ltd 0.76
Container Corporation of India Ltd 0.75
IndusInd Bank Ltd 0.73 Tata Steel Ltd 0.69
The Ramco Cements Ltd 0.71 Bharat Electronics Ltd 0.65
ICICI Lombard General Insurance Company Ltd 0.68 Aavas Financiers Ltd 0.61
S R F Ltd 0.66 Hindalco Industries Ltd 0.59
Jubilant Foodworks Ltd 0.64 Torrent Pharmaceuticals Ltd 0.58
Odisha Cement Ltd 0.64 AU Small Finance Bank Ltd 0.48
Apollo Tyres Ltd 0.63 GlaxoSmithKline Consumer Healthcare Ltd 0.43
Indian Hotels Company Ltd 0.60
Odisha Cement Ltd 0.22
Bharat Electronics Ltd 0.60
P N C Infratech Ltd 0.58 6% Zee Entertainment Enterprises Ltd Pref Shares 0.03
Colgate Palmolive India Ltd 0.57
Brigade Enterprises Ltd 0.57
AU Small Finance Bank Ltd 0.56
HDFC Asset Management Co Ltd 0.56
Future Retail Ltd 0.55 Equity Kotak Dynamic Growth Fund
City Union Bank Ltd 0.51
Astral Poly Technik Ltd 0.49 Others 22.00
Eicher Motors Ltd 0.46 S R F Ltd 1.13
HDFC Standard Life Insurance Company Ltd 0.45 Tech Mahindra Ltd 1.10
Jindal Steel and Power Ltd 0.38
6% Zee Entertainment Enterprises Ltd Pref Shares 0.02 Interglobe Aviation Ltd 1.03
Bajaj Finance Ltd 0.85
Equity Guarantee Fund Ratnakar Bank Ltd 0.80
Others 17.14 Tata Power Company Ltd 0.78
Bajaj Auto Ltd 0.83 Titan Industries Ltd 0.78
Power Grid Corporation of India Ltd 0.78 Jubilant Foodworks Ltd 0.77
IndusInd Bank Ltd 0.77 Tata Consultancy Services Ltd 0.76
Vedanta Ltd 0.76 Voltas Ltd 0.75
Bharti Airtel Ltd 0.75
Whirlpool of India Ltd 0.75
Eicher Motors Ltd 0.75
Titan Industries Ltd 0.72 Ashok Leyland Ltd 0.70
Hindalco Industries Ltd 0.71 Brigade Enterprises Ltd 0.68
J S W Steel Ltd 0.71 Sun Pharmaceuticals Ltd 0.60
Cipla Ltd 0.67 P N C Infratech Ltd 0.59
Zee Entertainment Enterprises Ltd 0.67 Coromandel International Ltd 0.56
Tech Mahindra Ltd 0.62 Supreme Industries Ltd 0.55
Bajaj Finance Ltd 0.60 Odisha Cement Ltd 0.54
Tata Steel Ltd 0.59
Kajaria Ceramics Ltd 0.53
UPL Ltd 0.58
Grasim Industries Ltd 0.56
Hindustan Petroleum Corporation Ltd 0.56 Shree Cement Ltd 0.50
GAIL (India) Ltd 0.54 Tata Steel Ltd 0.45
Adani Ports and Special Economic Zone Ltd 0.51 Hindalco Industries Ltd 0.45
Indian Oil Corporation Ltd 0.50 Petronet L N G Ltd 0.42
Wipro Ltd 0.48 AU Small Finance Bank Ltd 0.41
Tata Motors Ltd 0.48 Astral Poly Technik Ltd 0.35
Bharti Infratel Ltd 0.46 Bharat Electronics Ltd 0.34
Yes Bank Ltd 0.43
Aavas Financiers Ltd 0.33
Bharat Petroleum Corporation Ltd 0.41
GlaxoSmithKline Consumer Healthcare Ltd 0.23
Bajaj Finserv Ltd 0.36
Coal India Ltd 0.33 Somany Ceramics Ltd 0.20
Indiabulls Housing Finance Ltd 0.24 Torrent Pharmaceuticals Ltd 0.16

ANNEXURE
Equity Dynamic Floor Fund Equity Kotak Dynamic Balanced Fund

Mahindra & Mahindra Financial Services Ltd 0.61 S R F Ltd 0.86
Hindustan Unilever Ltd 0.61 Hindustan Unilever Ltd 0.85
The Ramco Cements Ltd 0.60 Maruti Suzuki India Ltd 0.85
S R F Ltd 0.57 Mahindra & Mahindra Financial Services Ltd 0.85
Interglobe Aviation Ltd 0.51 Bajaj Finance Ltd 0.72
Bajaj Finance Ltd 0.46 HCL Technologies Ltd 0.70
Titan Industries Ltd 0.43 P I Industries Ltd 0.68
Apollo Tyres Ltd 0.43 Tata Power Company Ltd 0.67
P I Industries Ltd 0.43 Titan Industries Ltd 0.66
Whirlpool of India Ltd 0.42 Tata Consultancy Services Ltd 0.64
Ratnakar Bank Ltd 0.63
Voltas Ltd 0.62
Voltas Ltd 0.40
Shree Cement Ltd 0.52
Ashok Leyland Ltd 0.35 Sun Pharmaceuticals Ltd 0.50
Shree Cement Ltd 0.34 Whirlpool of India Ltd 0.47
Sun Pharmaceuticals Ltd 0.32 Coromandel International Ltd 0.45
Supreme Industries Ltd 0.30 Supreme Industries Ltd 0.45
Odisha Cement Ltd 0.30 Odisha Cement Ltd 0.45
Coromandel International Ltd 0.30 Kajaria Ceramics Ltd 0.44
Kajaria Ceramics Ltd 0.28 P N C Infratech Ltd 0.42
P N C Infratech Ltd 0.28 Exide Industries Ltd 0.39
Hindalco Industries Ltd 0.24 Hindalco Industries Ltd 0.38
Tata Steel Ltd 0.24 Tata Steel Ltd 0.35
AU Small Finance Bank Ltd 0.22 Aavas Financiers Ltd 0.34
Petronet L N G Ltd 0.22 Petronet L N G Ltd 0.33
Astral Poly Technik Ltd 0.19 Astral Poly Technik Ltd 0.29
Aavas Financiers Ltd 0.16 Somany Ceramics Ltd 0.17
Exide Industries Ltd 0.14 Torrent Pharmaceuticals Ltd 0.12
GlaxoSmithKline Consumer Healthcare Ltd 0.12 GlaxoSmithKline Consumer Healthcare Ltd 0.09
Somany Ceramics Ltd 0.12 AU Small Finance Bank Ltd 0.06
Torrent Pharmaceuticals Ltd 0.08 6% Zee Entertainment Enterprises Ltd Pref Shares 0.02
Equity Kotak Guaranteed Growth Fund Equity Kotak Guaranteed Balanced Fund
Hindustan Unilever Ltd 0.85 Hindustan Unilever Ltd 0.67
The Ramco Cements Ltd 0.83 S R F Ltd 0.66
S R F Ltd 0.81
Interglobe Aviation Ltd 0.63
Voltas Ltd 0.65
P I Industries Ltd 0.65 HCL Technologies Ltd 0.53
Bajaj Finance Ltd 0.63 Bajaj Finance Ltd 0.52
Interglobe Aviation Ltd 0.60 Whirlpool of India Ltd 0.50
Ratnakar Bank Ltd 0.59 Ratnakar Bank Ltd 0.50
Apollo Tyres Ltd 0.59 Titan Industries Ltd 0.49
Whirlpool of India Ltd 0.58 Tata Consultancy Services Ltd 0.47
Voltas Ltd 0.46
Coromandel International Ltd 0.49 Mahindra & Mahindra Financial Services Ltd 0.42
Shree Cement Ltd 0.46 Brigade Enterprises Ltd 0.41
Odisha Cement Ltd 0.45 Shree Cement Ltd 0.38
Ashok Leyland Ltd 0.44 Sun Pharmaceuticals Ltd 0.38
Sun Pharmaceuticals Ltd 0.43 P N C Infratech Ltd 0.36
P N C Infratech Ltd 0.43 Coromandel International Ltd 0.35
Supreme Industries Ltd 0.42 Supreme Industries Ltd 0.35
Exide Industries Ltd 0.36 Astral Poly Technik Ltd 0.32
Tata Steel Ltd 0.32 Exide Industries Ltd 0.31
Hindalco Industries Ltd 0.32 Tata Steel Ltd 0.28
Petronet L N G Ltd 0.29 Hindalco Industries Ltd 0.28
AU Small Finance Bank Ltd 0.27 Petronet L N G Ltd 0.26
Astral Poly Technik Ltd 0.25 Tata Power Company Ltd 0.24
Bharat Electronics Ltd 0.24 AU Small Finance Bank Ltd 0.22
6% Zee Entertainment Enterprises Ltd Pref Shares 0.02 Somany Ceramics Ltd 0.14

ANNEXURE
Equity Pension Classic Opportunities Fund Equity Kotak Pension Opportunities Fund
Tech Mahindra Ltd 1.31 Shree Cement Ltd 1.32
Shree Cement Ltd 1.30 Bharat Petroleum Corporation Ltd 1.27
Bharat Petroleum Corporation Ltd 1.29 Bata India Ltd 1.27
Ratnakar Bank Ltd 1.20 Tech Mahindra Ltd 1.24
Bata India Ltd 1.19 Ratnakar Bank Ltd 1.18
Interglobe Aviation Ltd 1.12 Petronet L N G Ltd 1.14
Petronet L N G Ltd 1.08 Interglobe Aviation Ltd 1.13
Mahindra & Mahindra Ltd 1.06 Mahindra & Mahindra Ltd 1.08
Reliance ETF Bank Bees 0.97 Torrent Pharmaceuticals Ltd 0.96
Indraprastha Gas Ltd 0.92 Reliance ETF Bank Bees 0.95
Torrent Pharmaceuticals Ltd 0.91 Indraprastha Gas Ltd 0.93
Exide Industries Ltd 0.88 Exide Industries Ltd 0.90
P I Industries Ltd 0.87 P I Industries Ltd 0.88
Divis Laboratories Ltd 0.85 Divis Laboratories Ltd 0.87
Motherson Sumi Systems Ltd 0.84 Motherson Sumi Systems Ltd 0.85
Havells India Ltd 0.83 Havells India Ltd 0.85
Dr Reddys Laboratories Ltd 0.82 Dr Reddys Laboratories Ltd 0.83
HCL Technologies Ltd 0.75 HCL Technologies Ltd 0.81
Container Corporation of India Ltd 0.75 Voltas Ltd 0.76
Voltas Ltd 0.75 Ashok Leyland Ltd 0.76
Ashok Leyland Ltd 0.74 Container Corporation of India Ltd 0.75
IndusInd Bank Ltd 0.72 IndusInd Bank Ltd 0.73
The Ramco Cements Ltd 0.70 Odisha Cement Ltd 0.72
ICICI Lombard General Insurance Company Ltd 0.68 The Ramco Cements Ltd 0.71
S R F Ltd 0.65 ICICI Lombard General Insurance Company Ltd 0.69
Jubilant Foodworks Ltd 0.64 S R F Ltd 0.65
Odisha Cement Ltd 0.63 Jubilant Foodworks Ltd 0.65
Apollo Tyres Ltd 0.62 Apollo Tyres Ltd 0.63
Brigade Enterprises Ltd 0.62 Future Retail Ltd 0.60
Bharat Electronics Ltd 0.59 Indian Hotels Company Ltd 0.59
Indian Hotels Company Ltd 0.59 P N C Infratech Ltd 0.59
P N C Infratech Ltd 0.58 Bharat Electronics Ltd 0.57
Colgate Palmolive India Ltd 0.57 Brigade Enterprises Ltd 0.57
AU Small Finance Bank Ltd 0.56 HDFC Asset Management Co Ltd 0.56
HDFC Asset Management Co Ltd 0.55 AU Small Finance Bank Ltd 0.55
Future Retail Ltd 0.55 City Union Bank Ltd 0.54
City Union Bank Ltd 0.50 Colgate Palmolive India Ltd 0.52
Astral Poly Technik Ltd 0.48 Eicher Motors Ltd 0.52
Eicher Motors Ltd 0.46 Astral Poly Technik Ltd 0.51
HDFC Standard Life Insurance Company Ltd 0.44 HDFC Standard Life Insurance Company Ltd 0.45
Jindal Steel and Power Ltd 0.38 Jindal Steel and Power Ltd 0.39
6% Zee Entertainment Enterprises Ltd Pref Shares 0.03 Somany Ceramics Ltd 0.04
Equity Pension Frontline Equity Fund Equity Pension Guarantee Fund
Others Others 17.15

28.63
Britannia Industries Ltd 1.48 Bajaj Auto Ltd 0.83
S R F Ltd 1.45 Power Grid Corporation of India Ltd 0.78
Mahindra & Mahindra Financial Services Ltd 1.28 IndusInd Bank Ltd 0.77
Maruti Suzuki India Ltd 1.27 Vedanta Ltd 0.76
P I Industries Ltd 1.13 Eicher Motors Ltd 0.75
Ratnakar Bank Ltd 1.06 Bharti Airtel Ltd 0.75
Bajaj Finance Ltd 1.05 HCL Technologies Ltd 0.75
Apollo Tyres Ltd 1.02 Titan Industries Ltd 0.72
Tata Power Company Ltd 0.99 Hindalco Industries Ltd 0.71
Titan Industries Ltd 0.99 J S W Steel Ltd 0.71
Tata Consultancy Services Ltd 0.97 Zee Entertainment Enterprises Ltd 0.67
Voltas Ltd 0.96 Cipla Ltd 0.67
Ashok Leyland Ltd 0.88 Tech Mahindra Ltd 0.62
Brigade Enterprises Ltd 0.87 Bajaj Finance Ltd 0.60
Coromandel International Ltd 0.82 Tata Steel Ltd 0.59
Shree Cement Ltd 0.77 UPL Ltd 0.58
P N C Infratech Ltd 0.75 Grasim Industries Ltd 0.56
Supreme Industries Ltd 0.70 Hindustan Petroleum Corporation Ltd 0.56
GAIL (India) Ltd 0.54
Exide Industries Ltd 0.64 Adani Ports and Special Economic Zone Ltd 0.51
Tata Steel Ltd 0.57 Indian Oil Corporation Ltd 0.50
Hindalco Industries Ltd 0.57 Wipro Ltd 0.48
Petronet L N G Ltd 0.54
Tata Motors Ltd 0.48
Bharat Electronics Ltd 0.43 Bharti Infratel Ltd 0.46
Aavas Financiers Ltd 0.42 Yes Bank Ltd 0.43
AU Small Finance Bank Ltd 0.41 Bharat Petroleum Corporation Ltd 0.41
Bajaj Finserv Ltd 0.36
Torrent Pharmaceuticals Ltd 0.20 Coal India Ltd 0.33
6% Zee Entertainment Enterprises Ltd Pref Shares 0.03 Indiabulls Housing Finance Ltd 0.24

ANNEXURE
Equity Kotak Pension Growth Fund Equity Kotak Pension Floor Fund
Interglobe Aviation Ltd 0.80 Hindustan Unilever Ltd 0.60
Hindustan Unilever Ltd 0.68 The Ramco Cements Ltd 0.59
Whirlpool of India Ltd 0.67 S R F Ltd 0.57
Bajaj Finance Ltd 0.66 Maruti Suzuki India Ltd 0.52
Tata Power Company Ltd 0.61 Ratnakar Bank Ltd 0.40
Apollo Tyres Ltd 0.61 Tata Consultancy Services Ltd 0.40
Ratnakar Bank Ltd 0.59 Voltas Ltd 0.40
Tata Consultancy Services Ltd 0.58 Apollo Tyres Ltd 0.40
Voltas Ltd 0.57 Jubilant Foodworks Ltd 0.39
Jubilant Foodworks Ltd 0.56 Brigade Enterprises Ltd 0.37
Ashok Leyland Ltd 0.52 Ashok Leyland Ltd 0.36
Brigade Enterprises Ltd 0.50 Interglobe Aviation Ltd 0.36
Tech Mahindra Ltd 0.50 Sun Pharmaceuticals Ltd 0.31
Sun Pharmaceuticals Ltd 0.47 Shree Cement Ltd 0.31
Shree Cement Ltd 0.47 P N C Infratech Ltd 0.30
Coromandel International Ltd 0.30
P N C Infratech Ltd 0.43
Supreme Industries Ltd 0.42 Hindalco Industries Ltd 0.23
Kajaria Ceramics Ltd 0.41 Tata Steel Ltd 0.23
Mahindra & Mahindra Financial Services Ltd 0.40 Exide Industries Ltd 0.23
Exide Industries Ltd 0.37 Petronet L N G Ltd 0.22
GlaxoSmithKline Consumer Healthcare Ltd 0.35 Tata Power Company Ltd 0.20
Hindalco Industries Ltd 0.35 Astral Poly Technik Ltd 0.19
Petronet L N G Ltd 0.32 Aavas Financiers Ltd 0.18
Astral Poly Technik Ltd 0.27 Bharat Electronics Ltd 0.17
Tata Steel Ltd 0.25 AU Small Finance Bank Ltd 0.16
Bharat Electronics Ltd 0.25 Somany Ceramics Ltd 0.12
Equity Pension Floor Fund II Equity Kotak Pension Balanced Fund

Interglobe Aviation Ltd 0.59 S R F Ltd 0.66
S R F Ltd 0.57 Whirlpool of India Ltd 0.62
State Bank of India 0.48 Coromandel International Ltd 0.61
Bajaj Finance Ltd 0.46 Hindustan Unilever Ltd 0.56
Whirlpool of India Ltd 0.43 Mahindra & Mahindra Financial Services Ltd 0.56
Apollo Tyres Ltd 0.42 P I Industries Ltd 0.54
Tata Power Company Ltd 0.41 HCL Technologies Ltd 0.53
Ratnakar Bank Ltd 0.41 Interglobe Aviation Ltd 0.52
Titan Industries Ltd 0.41 Odisha Cement Ltd 0.52
Tata Consultancy Services Ltd 0.40 Shree Cement Ltd 0.50
Voltas Ltd 0.40
Voltas Ltd 0.49
Ashok Leyland Ltd 0.37 Tech Mahindra Ltd 0.41
Shree Cement Ltd 0.33 Tata Consultancy Services Ltd 0.40
Sun Pharmaceuticals Ltd 0.32 Sun Pharmaceuticals Ltd 0.40
P N C Infratech Ltd 0.30 Ashok Leyland Ltd 0.39
Odisha Cement Ltd 0.29 Apollo Tyres Ltd 0.39
Supreme Industries Ltd 0.29 Bajaj Finance Ltd 0.37
Coromandel International Ltd 0.29 P N C Infratech Ltd 0.34
Tata Steel Ltd 0.23 Aavas Financiers Ltd 0.27
Hindalco Industries Ltd 0.23 Exide Industries Ltd 0.26
Petronet L N G Ltd 0.22 Tata Steel Ltd 0.22
Astral Poly Technik Ltd 0.19 Somany Ceramics Ltd 0.21
Aavas Financiers Ltd 0.18 Petronet L N G Ltd 0.16
GlaxoSmithKline Consumer Healthcare Ltd 0.12 Torrent Pharmaceuticals Ltd 0.10

ANNEXURE
Equity Pension Balanced Fund II Equity Kotak Group Dynamic Floor Fund
The Ramco Cements Ltd 0.86 The Ramco Cements Ltd 0.46
Maruti Suzuki India Ltd 0.85 S R F Ltd 0.45
S R F Ltd 0.83 Maruti Suzuki India Ltd 0.45
Mahindra & Mahindra Financial Services Ltd 0.79 Mahindra & Mahindra Financial Services Ltd 0.43
Interglobe Aviation Ltd 0.73 Interglobe Aviation Ltd 0.40
Ratnakar Bank Ltd 0.71 P I Industries Ltd 0.35
P I Industries Ltd 0.65 Ratnakar Bank Ltd 0.33
Bajaj Finance Ltd 0.62 Bajaj Finance Ltd 0.32
Apollo Tyres Ltd 0.58 Apollo Tyres Ltd 0.31
Tata Power Company Ltd 0.58 Tata Power Company Ltd 0.30
Titan Industries Ltd 0.56 Titan Industries Ltd 0.30
Jubilant Foodworks Ltd 0.56 Jubilant Foodworks Ltd 0.30
Whirlpool of India Ltd 0.53 Whirlpool of India Ltd 0.28
Tata Consultancy Services Ltd 0.52 Ashok Leyland Ltd 0.27
Ashok Leyland Ltd 0.51 Tata Consultancy Services Ltd 0.27
Voltas Ltd 0.47 Voltas Ltd 0.26
Brigade Enterprises Ltd 0.45 Sun Pharmaceuticals Ltd 0.24
Sun Pharmaceuticals Ltd 0.44 P N C Infratech Ltd 0.23
P N C Infratech Ltd 0.43 Brigade Enterprises Ltd 0.23
Kajaria Ceramics Ltd 0.38 Supreme Industries Ltd 0.21
Supreme Industries Ltd 0.38 Kajaria Ceramics Ltd 0.21
Coromandel International Ltd 0.37 Exide Industries Ltd 0.20
Exide Industries Ltd 0.37 Coromandel International Ltd 0.19
AU Small Finance Bank Ltd 0.37 Shree Cement Ltd 0.19
Shree Cement Ltd 0.35 Odisha Cement Ltd 0.19
Odisha Cement Ltd 0.34 Tata Steel Ltd 0.18
Tata Steel Ltd 0.33 AU Small Finance Bank Ltd 0.17
Aavas Financiers Ltd 0.31 Petronet L N G Ltd 0.16
Petronet L N G Ltd 0.29 Bharat Electronics Ltd 0.14
Bharat Electronics Ltd 0.25 Astral Poly Technik Ltd 0.13
Astral Poly Technik Ltd 0.20 Aavas Financiers Ltd 0.11
GlaxoSmithKline Consumer Healthcare Ltd 0.15 GlaxoSmithKline Consumer Healthcare Ltd 0.09
Somany Ceramics Ltd 0.13 Somany Ceramics Ltd 0.08
Torrent Pharmaceuticals Ltd 0.11 Torrent Pharmaceuticals Ltd 0.06
Equity Kotak Group Balanced Fund

Others 16.06
The Ramco Cements Ltd 0.87
S R F Ltd 0.86
Voltas Ltd 0.54
P N C Infratech Ltd 0.49
Tata Steel Ltd 0.47
Shree Cement Ltd 0.40
Petronet L N G Ltd 0.26

Disclaimer
Disclaimer :
Though document is thoroughly researched & prepared by our fund experts. Kotak Mahindra Life Insurance Company Ltd however makes no warranties, repre-
sentations, promises or statements that the information contained herein is clear, correct, precise or accurate. this document has been prepared for the purpose
of providing an overview of kli funds without taking account of any particular investor’s objectives, financial situation or needs you are therefore requested not
to substitute this document with any professional opinion/advice and to use your discretion basis your financial objectives.
Risk factors :
• Unit Linked Life Insurance Products are different from traditional insurance products and are subject to the risk factors.
• The premium paid in Unit Linked Life Insurance Products are subject to investment risk associated with capital markets and the NAVs of the units may go
up or down based on the performance of the fund and factors influencing the capital market and insured is responsible for his/her decisions.
• Kotak Life Insurance is only the name of the Insurance Company and the specified Unit Linked funds do not in any way indicate the quality of the contract,
its future prospects or returns.
• Please know the associated risks and the applicable charges from your insurance agent or the intermediary or policy document of the insurer.
• Past performance of any of the funds is not indicative of their future prospects or returns.
About Us :
Kotak Mahindra Life Insurance Company Ltd. (Formerly known as Kotak Mahindra Old Mutual Life Insurance Ltd.)
Kotak Mahindra Life Insurance Company Limited (Kotak Life Insurance) is a 100% owned subsidiary of Kotak Mahindra Bank (Kotak). Kotak Life Insurance
provides world-class insurance products with high customer empathy. Its product suite leverages the combined prowess of protection and long term savings.
Kotak Life Insurance is one of the fastest growing insurance companies in India and has covered over several million lives. For more information, please visit the
company’s website at https://insurance.kotak.com
Kotak Mahindra Group

Established in 1985, Kotak Mahindra Group is one of India’s leading financial services conglomerate. In February 2003, Kotak Mahindra Finance Ltd. (KMFL), the
Group’s flagship company, received banking license from the Reserve Bank of India (RBI), becoming the first nonbanking finance company in India to convert into
a bank - Kotak Mahindra Bank Ltd. The Group offers a wide range of financial services that encompass every sphere of life. From commercial banking, to stock
broking, mutual funds, insurance and investment banking, the Group caters to the diverse financial needs of individuals and the corporate sector. The Group has
a wide distribution network through branches and franchisees across India, and International Business Units. For more information, please visit the company’s
website at www.kotak.com
Trade Logo Disclaimer

Trade Logo displayed above belongs to Kotak Mahindra Bank Limited and is used by Kotak Mahindra Life Insurance Company Ltd. under license.
Kotak Mahindra Life Insurance Company Ltd. (Formerly known as Kotak Mahindra Old Mutual Life Insurance Ltd.); Regn. No.: 107, CIN: U66030MH-
2000PLC128503, Regd. Office: 2nd Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai - 400 051.
Website: http://insurance.kotak.com Email:clientservicedesk@kotak.com I Toll Free No. – 1800 209 8800

Kotak Annual Fund Update 2019

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ANNUAL FUND UPDATE 2018-19

ANNUAL FUND UPDATE

KOTAK GUARANTEED GROWTH FUND

AS ON 31st MARCH 2019 ANNUAL FUND UPDATE 01

ANNUAL FUND UPDATE

AS ON 31st MARCH 2019 ANNUAL FUND UPDATE 02

ANNUAL FUND UPDATE

6 month ended 6 month ended 1 year ended 31

AS ON 31st MARCH 2019 ANNUAL FUND UPDATE 03

ANNUAL FUND UPDATE

Key Economic Indicators

FY 17-18 FY 18-19 (Est)

AS ON 31st MARCH 2019 ANNUAL FUND UPDATE 04

ANNUAL FUND UPDATE

AS ON 31st MARCH 2019 ANNUAL FUND UPDATE 05

ANNUAL FUND UPDATE

AS ON 31st MARCH 2019 ANNUAL FUND UPDATE 06

ANNUAL FUND UPDATE

Funds available with insurance plans launched Prior to Sept. 1, 2010.

1 month 7.9 7.7 6.9 4.7 5.9

1 month 0.5 5.6 4.9 7.9 7.8 8.3 4.2

AS ON 31st MARCH 2019 ANNUAL FUND UPDATE 07

ANNUAL FUND UPDATE

Funds available with insurance plans launched Prior to Sept. 1, 2010.

AS ON 31st MARCH 2019 ANNUAL FUND UPDATE 08

ANNUAL FUND UPDATE

KOTAK GROUP PLANS

1 month 4.0 5.5 2.5 1.8 0.8 0.1 2.4 3.4

KOTAK FIXED MATURITY PLANS KOTAK PRIVILEDEGE ASSURANCE PLANS

1 month 1.3 1 month 0.6

NO. OF FUNDS MANAGED BY FUND MANAGER

Mr. Rohit Agarwal– Equity Fund Manager

Mr. Kunal Shah CFA – Debt Fund Manager

AS ON 31st MARCH 2019 ANNUAL FUND UPDATE 09

ANNUAL FUND UPDATE

Classic Opportunities Fund ü ü ü ü ü ü

Frontline Equity Fund ü ü ü ü ü ü

Dynamic Bond Fund ü ü ü ü ü ü

Dynamic Floating Rate Fund ü ü r ü ü r

Money Market Fund ü ü ü ü ü ü

Dynamic Gilt Fund ü ü ü ü ü r

Discontinued Policy Fund ü ü ü ü ü ü

*currently active plans

AS ON 31st MARCH 2019 ANNUAL FUND UPDATE 10

ANNUAL FUND UPDATE

CLASSIC OPPORTUNITIES FRONTLINE EQUITY DYNAMIC FLOOR BALANCED

KOTAK OPPORTUNITIES KOTAK AGGRESSIVE GUARANTEE MONEY MARKET

KOTAK DYNAMIC DYNAMIC FLOOR KOTAK DYNAMIC KOTAK DYNAMIC

KOTAK DYNAMIC KOTAK DYNAMIC PEAK GUARANTEE KOTAK GAURANTEED

KOTAK GAURANTEED PENSION CLASSIC KOTAK PENSION PENSION FRONTLINE

PENSION GUARANTEE KOTAK PENSION KOTAK PENSION PENSION FLOOR

KOTAK PENSION PENSION BALANCED KOTAK PENSION KOTAK PENSION

KOTAK PENSION PENSION MONEY KOTAK ADVANTAGE DISCONTINUED

AS ON 31st MARCH 2019 ANNUAL FUND UPDATE 11

Date of Inception Portfolio Debt Ratings Profile (%)

Gsec / NCA 0.13 Financial and insurance

MMI / Computer programming,

Mfg of coke and refined

1 month 7.8 7.6 Mfg of pharmaceuticals,

6 months 6.8 6.0 Civil engineering 4.09

1 year 7.2 10.7

3 years 13.9 14.6

5 years 15.3 12.9 Mfg of tobacco products 2.21