ADITYA BIRLA GROUP-BIRLA SUN LIFE INSURANCE CO LTD.

ABOUT THE COMPANY

Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya
Birla Nuvo and Sun Life Financial Inc, a leading international financial services organisation
from Canada With an experience of over a decade, BSLI has contributed to the growth and
development of the Indian life insurance industry and currently is one of the leading life
insurance companies in the country. BSLI improved its market positioning to rank 5th among
private players in terms of new business premium with an enhanced market share of 6.9%
during nine months ended 31st December 2015.
Enjoying the trust of about 2 million customers, BSLI is known for innovations. BSLI offers
a complete range of offerings comprising protection solutions, children's future solutions,
wealth with protection, health and wellness as well as retirement solutions. BSLI has an
extensive distribution reach over 500 cities through its network of about 489 branches, more
than 60,000 empanelled advisors and over 150 partnerships with corporate agents and banks.
The AUM of Birla Sun Life Insurance is close to Rs.30,421 Crores and it has a robust capital
base of over Rs. 2,100 Crores as on April - June 2015. It reported Embedded Value
of Rs. 3,260 Crore as on 31st March 2015 and VNB margin at 14.1%.

Vision

To be a premium conglomerate building leadership in businesses and creating value for all
the stakeholders

Mission

Investing in promising sectors

 Building leadership in businesses

A platform to drive synergy of resources

Delivering best value to all the stakeholders

To be a responsible corporate citizen

Values

Integrity

Commitment

Passion

Seamlessness

PRODUCTS

Life is unpredictable. But in face of adversity, our responsibilities towards our parents,
childrena n d l o v e d o n e s n e e d n o t b e c o m p r o m i s e d . I n s u r a n c e p l a n n i n g
e q u i p s y o u t o s m o o t h o u t t h e uncertainties and adversities that life might send your
way, so that the best that life has to offer,secure in the knowledge that your beloved
ones are well provided for. BSLI offers a complete range of insurance products
1.Protection Plans
2. Savings Plans
3. Child Plans
4. Investment Plans
5. Retirement Plans
6. Group Plans
7. Rural Plans
Insurance Plans
BSLI offers
Lifeguard- a set of pure protection plans. Choose from amongst three
different p r o d u c t s t r u c t u r e s t o i n s u r e
y o u r l i f e a n d p r o v i d e t o t a l s e c u r i t y t o y o u r f a m i l y, a t a v e r y affordable
cost.
Level Term Assurance with return of premium:
On death the entire sum assured will be paid.

On maturity, all the premiums paid will be returned.

Level Term Assurance without return of premium:
On death the entire sum assured will be paid.
No survival or maturity benefits.You can also enhance the above two policies by
adding Accident& Disability Benefit Rider and Waiver of Premium Rider (WOP)

Level Term Assurance - Single premium:

On death the entire sum assured will be paid.
No survival or maturity benefits.

STOCK INFORMATION

NSE: BSLNIFTY
ISIN: INF209K01IR4
SECTOR: Finance Investments

It is not traded on BSE

NSE only
94.76
-10.24 (-9.75%)
VOLUME 13125

Description Percent of Share (%)

Equity 98.63

Debt 0.00

Others 1.37
 Shares in %

Equity shares Debt others

PERFORMANCE
YTD 1-Month 3-Month 1-Year 3-Year 5-Year 10-Year
Fund 20.11 2.21 8.12 32.03 18.41 15.10 14.40
Nifty 500 17.33 1.21 8.23 26.05 15.90 15.11 9.15
Category 22.02 3.12 11.23 34.07 28.70 24.18 14.35
Rank within Category 71 75 83 62 79 37 13
Number of funds in category 93 95 95 91 79 37 26

FINANCIAL REPORTS
PROFIT AND LOSS ACCOUNT

BALANCE SHEET
DIVIDENDS:
Dividend Record Dividend ( / Dividend Yield
Date Unit) NAV () (%)

17-03-2017 0.3200 16.38 1.95%

04-03-2016 0.2700 13.62 1.98%

20-03-2015 0.1800 16.82 1.07%

29-12-2014 0.5000 17.29 2.89%

Analysis of Dividend per share

Dividend per share

2017 2016 2015 2014

INVESTING IN BIRLA SUN LIFE INSURANCE CO LTD:

Pros:

1. Stable long term growth-Your money is diversified across sectors in companies with
high growth potential. In case of any short term volatility, these companies tend to
recover faster than others. Moreover, your investments remain in sync with market
movements giving you stable long term growth in line with the Nifty.
2. Diversification: Your money gets allocated across 50 companies which make up the
Nifty Index. This automatically gives you the advantage of sectoral diversification,
thus increasing the stability of your investments. The 50 companies that make up the
Nifty Index command 64.38% of the market capitalization of the NSE. These
companies, spread across 24 sectors, play a very important role in driving the growth
of the country, which reflects in the Index's growth.
3. High growth potential: At any given time, the Nifty Index comprises of companies
that have emerged stronger by weathering tough market conditions in their past and
therefore do not easily get affected by short term market volatility. In sync with the
market: Birla Sun Life Nifty ETF simply keeps itself aligned to the Nifty. If a
company's share (of market cap) in the Nifty changes, or if it is replaced, the fund
realigns itself to the change.
4. Assets under Management (AUM): It grew marginally from ` 30,185 Cr. in FY 15 to
` 30,811 Cr. in FY 16. For unitlinked funds, the Company has delivered superior
fund performance consistently beating its benchmarks. 100% of the funds
outperformed their respective benchmark over the long-term (across 2-4 years.) 100%
of the funds also outperformed their benchmark over the 5 year period ending Mar 31,
2016
5. Faster recovery: Even if these companies are affected by short term market volatility,
they have the potential to bounce back faster than others in due course because of
their strong market presence, strength in their areas of business, experienced
management team etc.

Cons:

1. Volatile Investments: Investment in BSE is subjected to many risks since the market
is volatile. The shares of a company go up and come down so many times in just a
 single day. These price fluctuations are unpredictable most of the times and the
investor sometimes have to face severe loss due to such uncertainty.
2. Brokerage Commissions : They Kill Profit Margin Every time an investor buys or
sells his shares, he has to pay some amount as a brokerage commission to the broker,
which kills the profit margin.
3. Time Consuming: Investing in the stock market is not like playing the lottery. You
need to perform research and investment analysis to find potentially profitable stock.
For many individuals, investing in the stock market is a time-consuming, complex
task. Even after you find a stock to buy, you must monitor the movement of the
stocks price. Although many investors implement a long-term buy and hold strategy,
it is important to know when to exit a stock position if it turns out to be a bad
investment choice.
4. Impacted by the global economy:Though the Indian economy has been able to hold
its own even in the face of the global economic meltdown, its not reasonable to think
that India will remain completely unaffected. Investors become wary and pull out
from investing in stocks. However, unlike other countries India is quite insulated from
the global growth story. The proof? Global growth has slowed down to about 2%
while Indias growth is galloping at over 6%. These factors do get reflected in stock
market prices