New Update

MONTHLY UPDATE
JULY 2010
Faidey ka Insurance
MARKET OUTLOOK
Equity Market Outlook

As expected markets are clearly finding resistance at higher levels as valuations are not very cheap. Results for 1st
quarter declared by various corporate last week have not been very encouraging and hence it is likely that every rise
may see profit booking. Volatility is likely to rise in the coming month and investors may increase exposure to equities
only on sharp corrections to benefit from the volatility keeping a 2-3 years of horizon.
It is however also recommended that the investors allocate their investible corpus in accordance with prudent risk
management practices, and with a long term investment horizon. Also, to mitigate the possibilities of short term
pricing volatility, regular and systematic investments to obtain 'competitive risk–adjusted return' on their
investments is advisable.
Debt Market Outlook

The hawkish stance adopted by the RBI in its monetary policy meet may continue to restrain the trading sentiments in
the market. Additionally, the tone of the policy, and the increased frequency of the official policy review meet, has
indicated the likelihood of additional rate hikes in the future. In the forthcoming period, the IIP and the WPI data, as
well as the monsoon behavior, will continue to influence the market trading momentum from time to time. The
market may also keenly watch-out the monetary policy outcome of other central banks due for their respective
reviews in the month of August.
Page 1
MONTHLY UPDATE
JULY 2010
FUND PERFORMANCE OF ULIP FUNDS AS ON 31ST JULY 2010
Kotak Aggressive Dynamic Dynamic Dynamic Dynamic Kotak Dynamic

Returns as on
Opportunities Growth Growth Floor Balanced Bond Dynamic Floating
31st July 10
Fund Fund Fund Fund Fund Fund Gilt Fund Rate Fund
Inception 48.6% 23.5% 19.2% 13.9% 17.0% 8.3% 6.2% 6.6%

5 years n.a. 21.2% 14.8% n.a. 14.5% 9.2% 7.0% 6.7%
4 years n.a. 17.3% 12.2% n.a. 12.3% 10.3% 7.8% 7.0%
3 years n.a. 7.6% 4.0% 12.9% 6.5% 10.6% 8.0% 6.7%
2 years n.a. 14.9% 8.5% 17.6% 10.3% 13.9% 10.8% 6.8%
1 year 29.1% 20.6% 15.4% 6.2% 14.3% 7.0% 3.9% 4.3%
6 months 14.9% 12.2% 9.4% 3.8% 8.2% 3.8% 2.5% 2.3%
3 months 5.1% 3.3% 2.4% 0.5% 2.1% 1.3% 1.0% 1.1%
1 month 2.8% 1.7% 0.9% 0.3% 0.9% -0.1% -0.2% 0.5%
Returns less than or equal to a year are absolute. Returns greater than a year are compounded annualised.
Guaranteed Guaranteed Guaranteed Guaranteed Guaranteed Guaranteed

Returns as on
Growth Balanced Bond Gilt Floating Rate Money Market
31st July 10
Fund Fund Fund Fund Fund Fund
Inception 17.6% 15.3% 8.2% 6.2% 6.6% 8.3%

5 years 12.6% 12.2% 9.1% 6.9% 6.7% 9.5%
4 years 9.6% 10.1% 10.2% 7.6% 7.0% 9.9%
3 years 2.5% 4.6% 10.4% 7.7% 6.7% 10.3%
2 years 4.5% 6.8% 13.5% 10.4% 6.8% 9.4%
1 year 10.8% 9.5% 7.2% 3.8% 4.2% 6.7%
6 months 6.3% 5.6% 3.6% 2.4% 2.2% 2.4%
3 months 2.3% 1.5% 1.3% 0.8% 1.1% 1.2%
1 month 0.5% 0.0% -0.1% -0.3% 0.3% 0.4%
Pension Pension Pension Pension Pension Group Group Group Group Group
Returns as on Floating Money
Growth Balanced Bond Gilt Floating Balanced Bond Gilt Rate Market
31st July 10 Fund Fund Fund
Fund Fund Fund Fund Rate Fund Fund Fund
Inception 20.9% 15.6% 8.3% 6.5% 6.6% 16.9% 8.8% 6.6% 7.0% 13.0%
5 years n.a. 12.7% 9.2% 7.4% 6.7% 14.4% 9.8% 7.5% 7.1% 16.3%
4 years n.a. 10.5% 10.4% 8.2% 7.1% 12.5% 11.2% 8.3% 7.5% 18.6%
3 years n.a. 5.0% 10.8% 8.5% 6.8% 6.6% 11.7% 8.5% 7.2% 22.1%
2 years n.a. 7.1% 14.1% 10.7% 6.7% 9.8% 15.4% 11.5% 7.2% 27.5%
1 year 10.6% 9.7% 7.0% 3.8% 4.2% 13.8% 9.4% 4.2% 4.8% 45.4%
6 months 6.3% 5.4% 3.7% 2.5% 2.3% 7.9% 5.0% 2.7% 2.6% 39.7%
3 months 2.3% 1.9% 1.2% 0.8% 1.0% 2.4% 2.0% 1.1% 1.3% 38.2%
1 month 0.6% 0.3% -0.2% -0.3% 0.3% 1.0% 0.0% -0.3% 0.6% 37.2%
KOTAK PRIVILEGED ASSURANCE PLAN - FUND PERFORMANCE

Returns as on Advantage Advantage Advantage Advantage
31st July 10 Plus Fund Plus Fund II Multiplier Fund Multiplier Fund II
Inception 5.9% 6.2% 6.1% 6.3%

5 years n.a. n.a. n.a. n.a.
4 years 6.8% 6.5% 6.8% 6.6%
3 years 3.8% 3.9% 3.6% 3.8%
2 years 11.1% 10.9% 11.3% 11.0%
1 year 5.1% 5.1% 5.5% 5.7%
6 months 3.4% 3.3% 3.8% 3.8%
3 months -0.1% -0.3% 0.0% 0.0%
1 month 0.3% 0.1% 0.3% 0.3%
Page 2
KOTAK OPPORTUNITIES FUND AS ON 31ST JULY 2010
Fund Strategy : Aims to maximize opportunity for long-term capital growth by holding significant portion in a diversified and flexible mix of large/medium
sized stocks.
Performance Meter Opportunities

Fund Benchmark Assets Under Management (in ` Lakhs)
Since Inception (3-Oct-08) 48.6% 21.4%

48,656.29
5 years n.a. n.a.
4 years n.a. n.a.
3 years n.a. n.a.
2 years n.a. n.a.
1 year 29.1% 17.6% Asset Class % to Fund
6 months 14.9% 9.5%
3 months 5.1% 2.1% FD, CD, CP, T Bills,
1 month 2.8% 1.3% MF, Repo, NCA
2.04%
G Sec., GGB
Equity % to Fund 0.29% Equity
95.35%
Infosys Technologies Ltd. 5.59% NCD, Floaters,
ZCB
Larsen And Toubro Ltd. 3.73% 2.33%
Reliance Industries Ltd. 3.59%
State Bank of India 3.32%
Axis Bank Ltd. 3.26%
Bharat Heavy Electricals Ltd. 2.77%
HDFC Bank Ltd. 2.75%
Mahindra & Mahindra Ltd. 2.57% Allocation by Sector - Equity
Oil India Ltd. 2.45%
Tata Consultancy Services Ltd. 2.43%
Lupin Ltd. 2.32% Media 3.04%
Bharat Petroleum Corporation Ltd. 2.14% Utilities 3.33%
IPO Application – Equity SKS Microfinance Limited. 1.98% Metal & Metal Products 3.82%
L I C Housing Finance Ltd. 1.95% Auto & Auto Ancillary 6.26%
Housing Development Finance Corp. Ltd. 1.89% Pharma 6.76%
ICICI Bank Ltd. 1.88% FMCG 6.79%
I T C Ltd. 1.81% Others 10.98%
Oil & Natural Gas Corporation Ltd. 1.78% Information Tech 11.06%
Sintex Industries Ltd. 1.64% Oil & Gas 11.40%
Allahabad Bank 1.56% Capital Goods & Engineering 11.49%
Others (Details in the Annexure) 43.94% Banking & Finance 25.06%
Total 95.35%
Debt Portfolio % to Fund Debt Ratings Profile

Govt & Govt
HDFC Ltd CP - 15.07.11 0.66% Guaranteed Bonds
Fixed Deposit
8.10% EXIM - 15.07.2015 0.61% 6.22%
7.09%
7.35% HDFC- 15.02.2012 0.34%
P1+
HDFC Ltd CP - 10.02.11 0.31%
29.13%
8.23% Sundaram Finance - 27.07.12 0.31%
AAA
Union Bank of India CD - 07.10.2010 0.20% 48.18%
8.84% PGC - 29.03.2016 0.20%
8.90% PGCIL - 25.02.2015 0.18% AA+
7.40% GOI 2012 - 03.05.12 0.16% 9.39%
7.05% HDFC FD- 24.07.2011 0.10%
7.00% HDFC FD1- 16.07.2011 0.10%
8.55% IRFC - 03.02.2020 0.10%
Debt Maturity Profile
7.10% PGC - 18.02.2012 0.09%
8.35% REC - 04.09.2014 0.08%
7.85% Sundaram Finance - 25.03.2013 0.07% 80%
11.45% RIL - 25.11.13 0.06% 70%
8.50% IRFC - 22.06.2020 0.06% 60%
10.25% Tech Mahindra Ltd - 17.04.2013 0.05% 50%
8.70% PFC- 14.05.2015 0.05% 40% 35.49% 31.56%

7.00% HDFC FD2- 16.07.2011 0.05% 30% 26.35%
Current Asset/Liabilities 0.61% 20%
6.60%
Others 0.25% 10%
0%
Total 4.65% <1 Year 1-3 Years 3-7 Years 7 Years & Above
Page33
Page
KOTAK AGGRESSIVE GROWTH FUND AS ON 31ST JULY 2010
Fund Strategy : 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).
Aggressive
Performance Meter Growth Benchmark Assets Under Management (in ` Lakhs)
Fund
Since Inception (13-Sep-04) 23.5% 20.0%
38,869.14
5 years 21.2% 16.2%
4 years 17.3% 13.6%
3 years 7.6% 6.2%
2 years 14.9% 12.0%
6 months 12.2% 8.3%
3 months 3.3% 1.7% NCD,
1 month 1.7% 1.0% Floaters, ZCB
2.00% FD, CD, CP, T Bills,
MF, Repo, NCA
G Sec., GGB 0.67%
0.35%
Equity % to Fund
Infosys Technologies Ltd. 6.28% Equity
96.98%
Oil & Natural Gas Corporation Ltd. 4.25%
Larsen And Toubro Ltd. 4.22%
I T C Ltd. 3.93%
Housing Development Finance Corp. Ltd. 3.74%
Tata Consultancy Services Ltd. 3.28% Allocation by Sector - Equity
Axis Bank Ltd. 2.81% Media 2.08%
ICICI Bank Ltd. 2.38% Utilities 2.89%
Hindustan Petroleum Corporation Ltd. 2.28% Metal & Metal Products 3.95%
IPO Application – Equity SKS Microfinance Limited. 2.00% Pharma 5.50%
United Phosphorous Ltd. 1.97% Auto & Auto Ancillary 5.66%
Mahindra & Mahindra Ltd. 1.95% FMCG 6.02%
Infrastructure Development Finance Company Ltd. 1.94% Capital Goods & Engineering 9.98%
Zee Entertainment Enterprises Ltd. 1.88% Others 11.70%
Tata Motors Ltd. 1.85% Information Tech 12.52%
Lupin Ltd. 1.83% Oil & Gas 13.63%
Total 96.98%
8.10% EXIM - 15.07.2015 0.59%

Fixed Deposits
8.64% PGCIL - 08.07.2015 0.30% 17.27%
7.28% FCI 2010 0.23% Govt & Govt
9.40% ICICI 28th December 2011 0.16% Guaranteed Bonds
AAA 11.42%
59.88%
8.00% REC- 05.08.2014 0.13% P1+
8.90% PGCIL - 25.02.2015 0.13% 6.45%
8.50% IRFC - 22.06.2020 0.13% AA+
4.98%
8.64% PGCIL - 08.07.2020 0.11%
9.50% Kotak Bank FD 31.01.2012 0.11%
7.00% HDFC FD1- 16.07.2011 0.11%
7.05% HDFC FD- 24.07.2011 0.11%
HDFC Ltd CP - 15.07.11 0.09%
9.45% LIC Hsg Fin - 01.01.12 0.09%
7.35% HDFC- 15.02.2012 0.08% 80%
8.20% GOI - 15.02.22 0.08% 70%
9.20% L & T Ltd - 21.01.2012 0.06% 60%
7.20% REC - 17.03.2015 0.06% 50%

42.03%
Central Bank of India CD - 29.10.2010 0.06% 40%
30% 24.93%
8.70% PFC- 14.05.2015 0.06% 22.75%
20%
Current Asset/Liabilities -0.06% 10.29%
10%
Others 0.27%
0%
Page
Page 43
KOTAK DYNAMIC GROWTH FUND AS ON 31ST JULY 2010
(downside risk).
Dynamic
Performance Meter Growth Benchmark 58,841
Assets Under Management (in ` Lakhs)
Fund
Since Inception (1-Jul-03) 19.2% 18.2%
8,827.99
5 years 14.8% 13.7%
4 years 12.2% 12.0%
3 years 4.0% 6.2%
2 years 8.5% 11.1%
6 months 9.4% 6.8%
1.18%
NCD, Floaters,
ZCB
13.67% Equity
Equity % to Fund 77.51%
G Sec., GGB,
Infosys Technologies Ltd. 5.04% 7.64%

I T C Ltd. 3.13%
Total 77.51%
7.28% FCI 2010 3.94% Fixed Deposit

7.80% GOI - 03.05.2020 2.55% 0.97%
Govt & Govt
11.50% REC - 26.11.13 1.21% Guaranteed Bonds
7.35% HDFC- 15.02.2012 1.19% 34.78%
8.49% IRFC - 30.03.2014 1.15%
AAA
10.95% REC - 14.08.11 1.06%
60.94%
9.25% PFC - 20.02.2012 0.96% P1+
2.03%
8.90% PGCIL - 25.02.2015 0.68%
AA+
8.80% PFC - 15.01.2025 0.64% 1.29%
8.84% PGC - 29.03.2016 0.64%
8.10% EXIM - 15.07.2015 0.56%
9.90% Tata Sons - 20.05.11 0.54%
0.51%
8.26% LIC Housing Finance - 08.07.2015
7.25% LIC Housing Finance - 10.06.2012 0.45%
80%
8.35% REC - 04.09.2014 0.40%
70%
9.15% SBP Perpetual Bond 0.36%
60%
10.25% HDFC 2012 - 29.05.12. 0.34%
50%
7.02% GOI - 17.08.2016 0.33%
40%
9.85% HDFC Bank 2019 - 17.03.2024 0.32%
30% 26.05% 27.75% 22.76%
9.05% EXIM- 06.11.2010 0.29% 23.44%
20%
Current Asset/Liabilities 0.53%
10%
Others 3.87%
0%
Total 22.49% <1 yr 1-3 Yrs 3-7 Yrs 7 Years & Above
Page 5
KOTAK DYNAMIC FLOOR FUND AS ON 31ST JULY 2010
Fund Strategy : 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.
Performance Meter Kotak Dynamic

Floor Fund Benchmark Assets Under Management (in ` Lakhs)
Since Inception (14-Nov-06) 13.9% 7.8%

48,185.9
5 years n.a. n.a.
4 years n.a. n.a.
3 years 12.9% 6.1%
2 years 17.6% 9.3%
6 months 3.8% 5.3%
3 months 0.5% 1.2%
G Sec., GGB
1 month 0.3% 0.4% 11.58%
NCD, Floaters,
Equity % to Fund Equity
ZCB
54.55%
23.35%
Infosys Technologies Ltd. 4.52% FD, CD, CP, T Bills,
Larsen And Toubro Ltd. 3.31% MF, Repo, NCA
10.53%
ICICI Bank Ltd. 3.25%
I T C Ltd. 2.74%
State Bank of India 2.41% Allocation by Sector - Equity
Bharat Heavy Electricals Ltd. 1.53% Pharma 2.47%
Bharti Airtel Ltd. 1.51% Others 3.34%
National Thermal Power Corporation Ltd. 1.18% Telecom 3.42%
Axis Bank Ltd. 1.05% Auto & Auto Ancillary 5.29%
Tata Steel Ltd. 1.02% Metal & Metal Products 6.08%
Hindustan Unilever Ltd. 0.96% FMCG 6.78%
Wipro Ltd. 0.95% Utilities 7.25%
Mahindra & Mahindra Ltd. 0.91% Capital Goods & Engineering 10.11%
Jindal Steel and Power Ltd. 0.90% Information Tech 13.94%
Sterlite Industries Ltd. 0.90% Oil & Gas 17.52%
Total 54.55%
8.28% GOI - 15.02.32 2.34% Govt & Govt

Repo Guaranteed Bonds
8.26% GOI - 02.08.27 2.09% 27.67%
Investments
HDFC Ltd CP - 10.02.11 1.89% 1.56% P1+
8.00% REC- 05.08.2014 1.69% 14.65%
9.45% LIC Hsg Fin - 01.01.12 1.56% Fixed Deposit
7.80% GOI - 03.05.2020 1.33% 0.34% AA+
4.96%
8.45% PFC - 15.10.2014 1.24%
AAA
9.20% NABARD 2012- 16.08.2012 1.07% 50.83%
8.35% REC - 04.09.2014 1.04%
6.90% GOI - 13.07.2019 0.97%
10.25% HDFC 2012 - 29.05.12. 0.95%
8.90% PGCIL - 25.02.2015 0.93%
8.10% EXIM - 15.07.2015 0.88%
80%
9.15% LIC Hsg Fin - 22.10.10 0.84%
70%
9.01% PFC - 15.02.11 0.76%
60%
12% PFC SLR - 10.02.2012 0.75%
50%
Canara Bank CD - 24.02.2011 0.75%
40%
9.20% PGC 2015 0.73%
30% 25.13% 28.17%
HDFC Ltd CP - 15.07.11 0.71% 23.82%
20% 22.88%
10%
Others 18.25%
0%
Page 6
KOTAK DYNAMIC BALANCED FUND AS ON 31ST JULY 2010
Fund Strategy : 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).
Dynamic
Performance Meter Balanced Benchmark Assets Under Management (in ` Lakhs)
Fund
2,468.95
5 years 14.5% 11.8%
4 years 12.3% 10.6%
3 years 6.5% 6.2%
2 years 10.3% 10.3%
6 months 8.2% 5.7%
8.03%
Equity
58.77%
NCD, Floaters,
Equity % to Fund ZCB
22.29%
Infosys Technologies Ltd. 3.82%
Reliance Industries Ltd. 2.56% G Sec., GGB
I T C Lt. 2.43%
Housing Development Finance Corp. Ltd 2.29%
Total 58.77%
7.80% GOI - 03.05.2020 7.99% AA+

Axis Bank CD - 25.03.2011 2.03% 1.23% P1+
8.70% PFC 2020 - 15.07.2020 2.03% Govt & Govt 18.03%
Guaranteed Bonds
Canara Bank CD - 24.02.2011 1.89%
26.82%
Vijaya Bank CD - 24.05.2011 1.88% AAA
7.20% REC - 17.03.2015 1.51% 53.52%
Fixed Deposit
10.10% PGC - 12.06.12 1.36% 0.39%
10.95% REC - 14.08.11 1.10%
8.35% HDFC - 19.07.2015 1.01%
9.45% LIC Hsg Fin - 01.01.12 1.00%
9.20% PGC 2016 0.90%
8.90% PGCIL - 25.02.2016 0.82%
6.85% SIDBI - 29.06.2013 0.81%
7.17% GOI - 14.06.2015 0.79% 80%
8.70% Tata Sons 2012 - 26.06.2012 0.77% 70%
6.35% OMC GOI BOND - 23.12.2024 0.71% 60%
8.45% PFC - 15.10.2014 0.69% 50%
8.84% PGC - 29.03.2016 0.64% 40%
24.56% 30.00%
9.40% Tata Sons - 04.04.13 0.62% 30% 23.44% 22.00%
20%
10%
Others 11.02%
0%
Page 7
KOTAK DYNAMIC BOND FUND AS ON 31ST JULY 2010
Fund Strategy : Aims to preserve capital and minimize downside risk, with investment in debt and government instruments. Returns will be in line with
those of fixed interest instruments, and may provide little protection against unexpected inflation increases.
Performance Meter Dynamic Benchmark Assets Under Management (in ` Lakhs)

Bond Fund
Since Inception (16-Apr-04) 8.3% 4.7%
2,651.80
5 years 9.2% 5.6%
4 years 10.3% 6.2%
3 years 10.6% 6.2%
2 years 13.9% 8.0%
1 year 7.0% 4.6%
6 months 3.8% 2.4%
3 months 1.3% 0.9% Asset Class % to Fund
1 month -0.1% 0.0%
Debt Portfolio % to Fund G Sec., GGB

23.17%
Repo Investments 5.96%

7.17% GOI - 14.06.2015 5.59%
7.80% GOI - 03.05.2020 5.42% FD, CD, CP, T Bills, MF,
State Bank of Mysore CD - 02.06.2011 4.63% Current Assets
29.27% NCD, Floaters,
8.00% REC- 05.08.2014 3.77% ZCB
47.56%
6.35% OMC GOI BOND - 23.12.2024 2.98%
8.84% PGC - 29.03.2016 2.90%
6.85% GoI 2012 2.45%
State Bank of Bikaner & Jaipur CD - 04.01.2011 2.22%
11.25% PFC - 28.11.18 2.10%
8.70% PFC 2020 - 15.07.2020 2.07%
6.49% GOI - 08.06.2015 2.07%
State Bank of Hyderabad CD - 04.01.2011 1.95%
Vijaya Bank CD - 24.05.2011 1.91% Debt Ratings Profile
Corporation Bank CD - 21.02.2011 1.89%
HDFC Ltd ZCB - 08.02.2012 1.86%
8.90% SAIL - 01.05.2019 1.85%
PNB CD - 07.01.2011 1.84% Repo
Vijaya Bank CD - 28.01.2011 1.83% Investments Govt & Govt
6.27% Guaranteed Bonds
Current Asset/Liabilities 5.05% 24.41%
Others 37.61%
Total 100.00% P1+
AAA 19.23%
45.00%
AA+
5.09%
100%
90%
80%
70%
60%
50%
40%
27.79% 23.94% 27.28%
30% 20.98%
20%
10%
0%
<1 yr 1-3 Yrs 3-7 Yrs 7 Years & Above
Page 8
KOTAK DYNAMIC GILT FUND AS ON 31ST JULY 2010
Performance Meter Dynamic Benchmark Assets Under Management (in ` Lakhs)

Gilt Fund
1,349.09
5 years 7.0% 7.2%
4 years 7.8% 8.6%
3 years 8.0% 7.8%
2 years 10.8% 11.8%
1 year 3.9% 4.1%
6 months 2.5% 2.7%
Asset Class % to Fund
3 months 1.0% 1.4%
1 month -0.2% -0.2%
Debt Portfolio % to Fund G Sec., GGB

84.60%
FD, CD, CP, T Bills,
7.27% GOI - 03.09.13 15.67% MF, Repo, NCA
7.28% FCI 2010 9.03% 15.40%
7.40% GOI 2012 - 03.05.12 8.77%
6.49% GOI - 08.06.2015 8.68%
6.35% OMC GOI BOND - 23.12.2024 8.36%
7.80% GOI - 03.05.2020 5.44%
7.17% GOI - 14.06.2015 5.39%
6.85% GoI 2012 4.62%
10.35% KA SDL - 08.05.2011 3.81%
8.15% GOI FCI Bonds - 16.10.22 3.66%
8.26% GOI - 02.08.27 3.03%
State Bank of Mysore CD - 02.06.2011 2.92%
Canara Bank CD - 01.11.2010 2.19%
IDBI Bank CD - 04.03.11 2.14%
8.24% GOI - 15.02.27 1.84% Debt Ratings Profile
Vijaya Bank CD - 24.05.2011 1.80%
Kotak Mahindra Prime Ltd CP - 15.02.11 1.78%
P1+
8.35% GOI - 14.05.22 1.29%
11.88%
6.35% GOI 2020 - 02.01.20 1.13% Repo Investments
Others 4.63%
Total 100.00%
Govt & Govt

Guaranteed Bonds
86.79%
80%
70%
60%
50%
40%
31.27%
30% 26.39% 28.61%
20%
13.73%
10%
0%
Page 9
KOTAK DYNAMIC FLOATING RATE FUND AS ON 31ST JULY 2010
Performance Meter Dynamic Floating Benchmark

Rate Fund
Since Inception (7-Dec-04) 6.6% 6.1%

6.7% 6.2%
899.76
5 years
4 years 7.0% 6.4%
3 years 6.7% 6.1%
2 years 6.8% 5.7%
1 year 4.3% 3.5%
6 months 2.3% 2.1%
1.1% 1.2%
3 months
1 month 0.5% 0.5%
Debt Portfolio % to Fund FD, CD, CP, T Bills,

MF, Repo, NCA
35.97%
7.28% FCI 2010 21.15%
IDFC Ltd Floater Mibor+ 210 bps - 28.04.2011 8.48%
EXIM Floater INBMK + 33 bps - 09.08.2010 8.39% G Sec., GGB
30.52%
IRFC Floater INBMK - 10 bps - 22.06.2011 8.33%
PFC Floater Mibor +215 bps - 29.05.11 8.31% NCD, Floaters,
State Bank of Mysore CD - 02.06.2011 5.17% ZCB
33.51%
Central Bank of India CD - 29.10.2010 4.48%
7.27% GOI - 03.09.13 3.05%
State Bank of Travancore CD - 11.07.2011 2.96%
Axis Bank CD - 25.03.2011 2.67%
7.17% GOI - 14.06.2015 2.62%
Vijaya Bank CD - 24.05.2011 2.56%
7.80% GOI - 03.05.2020 2.51% Debt Ratings Profile
Syndicate Bank CD - 14.09.2010 1.68%
Canara Bank CD - 24.02.2011 1.18%
7.47% OMC GOI Special Bond - 07.03.12 1.18% Govt & Govt
State Bank of Hyderabad CD - 04.01.2011 1.15% Guaranteed Bonds
33.02%
P1+
Others 2.21% 32.02%
Total 100.00%
AA+
8.84%
AAA
26.11%
100% 90.23%
90%
80%
70%
60%
50%
40%
30%
20% 1.23%
10% 5.92% 2.62%
0%
Page 10
KOTAK GUARANTEED GROWTH FUND AS ON 31ST JULY 2010
(downside risk).
Performance Meter Guaranteed Benchmark Assets Under Management (in ` Lakhs)

Growth Fund
238,069.84
5 years 12.6% 11.1%
4 years 9.6% 10.2%
3 years 2.5% 6.2%
2 years 4.5% 10.1%
6 months 6.3% 5.4%
8.89%
Equity
41.70%
Equity % to Fund
1.96% NCD, Floaters,
Reliance Industries Ltd.
ZCB
Larsen And Toubro Ltd. 1.82% 35.38% G Sec., GGB
Oil & Natural Gas Corporation Ltd. 1.80% 14.03%
I T C Ltd. 1.67%
Housing Development Finance Corp. Ltd. 1.56% Allocation by Sector - Equity
Axis Bank Ltd. 1.18% Chemicals 2.03%
Mahindra & Mahindra Ltd. 0.86% Auto & Auto Ancillary 5.33%
United Phosphorous Ltd. 0.84% Pharma 6.14%
Lupin Ltd. 0.81% FMCG 7.34%
IPO Application – Equity SKS Microfinance Limited. 0.80% Capital Goods & Engineering 10.05%
Infrastructure Development Finance Company Ltd. 0.77% Others 10.24%
Zee Entertainment Enterprises Ltd. 0.74% Information Tech 13.11%
Asian Paints Ltd. 0.71% Oil & Gas 13.76%
Total 41.70%
7.80% GOI - 03.05.2020 4.41% Repo

Govt & Govt
Investments
7.35% HDFC- 15.02.2012 2.72% Guaranteed Bonds
0.88%
8.10% EXIM - 15.07.2015 1.92% 24.99%
Union Bank of India CD - 07.10.2010 1.66% Fixed Deposit

0.20% P1+
8.26% LIC Housing Finance - 08.07.2015 1.50% 11.04
8.00% REC- 05.08.2014 1.46%
8.28% GOI - 15.02.32 1.45% AA+
AAA
Union Bank CD - 17.06.11 1.31% 54.81% 8.08%
6.35% OMC GOI BOND - 23.12.2024 1.28%
8.26% GOI - 02.08.27 1.02%
6.49% GOI - 08.06.2015 0.99%
10.85% REC - 30.09.18 0.98%
8.35% REC - 04.09.2014 0.97%
HDFC Ltd CP - 10.02.11 0.92%
7.25% LIC Housing Finance - 10.06.2012 0.90% 80%
Kotak Mahindra Prime Ltd CP - 15.02.11 0.87% 70%
6.85% SIDBI - 29.06.2013 0.86% 60%
8.45% PFC - 15.10.2014 0.84% 50%
23.97% 28.26% 25.12%

8.90% SAIL - 01.05.2019 0.81% 30%
22.65%
Others 28.56% 10%
Total 58.30% 0%
<1 Year 1-3 Years 3-7 Years 7 Years & Above
Page 11
KOTAK GUARANTEED BALANCED FUND AS ON 31ST JULY 2010

Balanced Fund
17,872.75
5 years 12.2% 9.8%
4 years 10.1% 9.2%
3 years 4.6% 6.2%
2 years 6.8% 9.6%
6 months 5.6% 4.6%
3 months 1.5% 1.2%
10.96% Equity
31.63%
Equity % to Fund
Infosys Technologies Ltd. 2.13% NCD, Floaters,
Reliance Industries Ltd. 1.48% ZCB
40.54%
Larsen And Toubro Ltd. 1.37% G Sec., GGB
16.87%
I T C Ltd. 1.27%
Total 31.63%
7.80% GOI - 03.05.2020 5.96% P1+

Govt & Govt
7.35% HDFC- 15.02.2012 3.09% Guaranteed Bonds 11.71%
10.25% Tech Mahindra Ltd - 17.04.2013 2.95% 25.47% AA+
4.06%
9.45% LIC Hsg Fin - 01.01.12 2.86%
HDFC Ltd ZCB - 08.02.2012 2.37% Fixed AAA
8.00% REC- 05.08.2014 2.34% Deposits 57.13%
1.63%
8.26% GOI - 02.08.27 2.24%
9.20% PGC 2016 2.00%
8.10% EXIM - 15.07.2015 1.95%
7.28% FCI 2010 1.66%
8.28% GOI - 15.02.32 1.28%
8.90% PGCIL - 25.02.2015 1.27%
HDFC Ltd CP - 10.02.11 1.13% 80%
8.90% SAIL - 01.05.2019 1.13% 70%
9.10% EXIM - 03.12.2010 1.13% 60%
9.15% SBP Perpetual Bond 1.07% 50%
9.50% Kotak Bank FD 31.01.2012 0.99% 40%

29.65% 28.50%
Union Bank CD - 17.06.11 0.98% 30%
23.39%
18.46%
Others 24.52% 10%
0%
Page 12
KOTAK GUARANTEED BOND FUND AS ON 31ST JULY 2010

Bond Fund
3,282.29
5 years 9.1% 5.6%
4 years 10.2% 6.2%
3 years 10.4% 6.2%
2 years 13.5% 8.0%
1 year 7.2% 4.6%
6 months 3.6% 2.4%
3 months 1.3% 0.9%
1 month -0.1% 0.0%
Debt Portfolio % to Fund

NCD, Floaters, MF, Repo, NCA
7.17% GOI - 14.06.2015 5.70% ZCB 25.59%
7.80% GOI - 03.05.2020 5.45% 48.24%
8.00% REC- 05.08.2014 3.48%
8.90% SAIL - 01.05.2019 3.44%
6.35% OMC GOI BOND - 23.12.2024 3.05% G Sec., GGB
8.84% PGC - 29.03.2016 3.01% 26.17%
8.90% PGCIL - 25.02.2016 3.00%
6.49% GOI - 08.06.2015 2.72%
6.85% GoI 2012 2.55%
Vijaya Bank CD - 28.01.2011 2.22%
11.25% PFC - 28.11.18 2.13%
HDFC Ltd ZCB - 08.02.2012 2.06%
Corporation Bank CD - 21.02.2011 1.98% Debt Ratings Profile
PNB CD - 07.01.2011 1.93%
8.33% Bajaj Auto Finance - 19.08.2011 1.87%
Vijaya Bank CD - 24.05.2011 1.85%
8.45% PFC - 15.10.2014 1.83% Repo
Current Asset/Liabilities 4.25% Investments
Govt & Govt
4.44%
Others 36.26% Guaranteed Bonds
27.33%
Total 100.00%
AAA
44.82%
P1+
17.85%
AA+
5.56%
80%
70%
60%
50%
40%
28.92%
30%
25.13% 22.54% 23.40%
20%
10%
0%
<1 year 1-3 Years 3-7 Years 7 Years & Above
Page 13
KOTAK GUARANTEED GILT FUND AS ON 31ST JULY 2010

Gilt Fund
3,607.47
5 years 6.9% 7.2%
4 years 7.6% 8.6%
3 years 7.7% 7.8%
2 years 10.4% 11.8%
1 year 3.8% 4.1%
6 months 2.4% 2.7%
3 months 0.8% 1.4%
1 month -0.3% -0.2%

7.27% GOI - 03.09.13 18.47% MF, Repo, NCA
7.28% FCI 2010 9.09% 15.65%
6.35% OMC GOI BOND - 23.12.2024 8.80%
7.40% GOI 2012 - 03.05.12 7.27% G Sec., GGB
7.80% GOI - 03.05.2020 5.48% 84.35%
6.49% GOI - 08.06.2015 5.18%
7.17% GOI - 14.06.2015 5.11%
6.85% GoI 2012 4.69%
8.24% GOI - 15.02.27 3.43%
Canara Bank CD - 01.11.2010 3.28%
7.47% OMC GOI Special Bond - 07.03.12 3.17%
8.26% GOI - 02.08.27 3.08%
10.35% KA SDL - 08.05.2011 2.85%
7.59% GOI 2016 2.63%
IDBI Bank CD - 04.03.11 2.14%
Vijaya Bank CD - 24.05.2011 1.96% Debt Ratings Profile
8.15% GOI FCI Bonds - 16.10.22 1.37%
8.35% GOI - 14.05.22 1.13%
Syndicate Bank CD - 14.09.2010 1.12% P1+ Repo
12.57% Investments
1.09%
Others 5.91%
Total 100.00%
Govt & Govt

Guaranteed Bonds
86.34%
80%
70%
60%
50%
40%
32.18%
30% 25.88% 26.46%
20% 15.48%
10%
0%
<1 year 1-3 Years 3-7 Years 7 Years & Above
Page 14
KOTAK GUARANTEED FLOATING RATE FUND AS ON 31ST JULY 2010
Guaranteed Assets Under Management (in ` Lakhs)

Performance Meter Floating Rate Fund Benchmark

2,309.36
5 years 6.7% 6.2%
4 years 7.0% 6.4%
3 years 6.7% 6.1%
2 years 6.8% 5.7%
1 year 4.2% 3.5%
6 months 2.2% 2.1%
3 months 1.1% 1.2%
1 month 0.3% 0.5%

MF, Repo, NCA
33.22%
7.28% FCI 2010 24.48%
PFC Floater Mibor +215 bps - 29.05.11 8.80%
G Sec., GGB
EXIM Floater INBMK + 33 bps - 09.08.2010 8.30% 32.77%
IDFC Ltd Floater Mibor+ 210 bps - 28.04.2011 8.17% NCD, Floaters,
State Bank of Mysore CD - 02.06.2011 5.47% ZCB
34.01%
7.27% GOI - 03.09.13 3.22%
7.17% GOI - 14.06.2015 2.55%
7.80% GOI - 03.05.2020 2.52%
Debt Ratings Profile
Vijaya Bank CD - 24.05.2011 1.85%
Canara Bank CD - 24.02.2011 1.80%
364 Days T Bill - 08.10.2010 1.25%
IDBI Bank CD - 04.03.11 1.04% AA+
8.33%
State Bank of Hyderabad CD - 04.01.2011 0.89% AAA
26.37%
Others 0.37%
Total 100.00% P1+
30.20% Repo
Investments
0.38%
Govt & Govt

Guaranteed Bonds
34.71%
100% 91.54%
90%
80%
70%
60%
50%
40%
30%
20%
10% 5.89% 2.57%

0%
Page 15
KOTAK GUARANTEED MONEY MARKET FUND AS ON 31ST JULY 2010
Fund Strategy : Aims to protect capital and not have downside risks by investing in money market instruments.
Kotak Guaranteed Assets Under Management (in ` Lakhs)

Performance Meter Money Market Benchmark
21.76
5 years 9.5% 6.2%
4 years 9.9% 6.4%
3 years 10.3% 6.1%
2 years 9.4% 5.7%
1 year 6.7% 3.5%
6 months 2.4% 2.1%
3 months 1.2% 1.2%
1 month 0.4% 0.5%

Debt Portfolio % to Fund MF, Repo, NCA
100.00%
364 Days T Bill - 08.10.2010 25.77%

Vijaya Bank CD - 24.05.2011 8.84%
Canara Bank CD - 01.11.2010 8.81%
PNB CD - 07.01.2011 8.50%
HDFC Ltd CP - 10.02.11 8.13%
IDBI Bank CD - 04.03.11 7.75%
Axis Bank CD - 25.03.2011 7.65%
10% PFC - 15.06.12 0.00%
10.00% IDFC -16.12.13 0.00%
10.00% NTPC 2011 - 05.09.2011 0.00%
10.10% HDFC - 13.09.17 0.00% Debt Ratings Profile
10.10% PGC - 12.06.12 0.00%
10.10% PGC - 12.06.15 0.00%
10.25% GOI - 30.05.21 0.00%
10.25% HDFC 2012 - 29.05.12. 0.00%
10.25% Tech Mahindra Ltd - 17.04.2013 0.00% Govt & Govt
Guaranteed Bonds
Current Asset/Liabilities -2.54% 25.13%
Others 0.00%
Total 100.00% P1+
74.87%
100.00%
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
<1-Year
Page 16
KOTAK PENSION GROWTH FUND AS ON 31ST JULY 2010
Fund Strategy: 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)
Performance Meter Kotak Pension

Growth Fund Benchmark Assets Under Management (in ` Lakhs)
Since Inception (7-Jan-09) 20.9% 23.4%

2,807.60
5 years n.a. n.a.
4 years n.a. n.a.
3 years n.a. n.a.
2 years n.a. n.a.
6 months 6.3% 5.4%
3 months 2.3% 1.3%
1 month 0.6% 0.5% NCD, Floaters, MF, Repo, NCA
ZCB 13.20%
29.42%
Equity % to Fund
Reliance Industries Ltd. 1.94% G Sec., GGB Equity
15.95% 41.44%
I T C Ltd. 1.65%
Tata Motors Ltd. 0.71% Oil & Gas 13.73%
Total 41.44%
Central Bank of India CD - 29.10.2010 3.59% Fixed Deposit

0.20% Govt & Govt
6.90% GOI - 13.07.2019 3.33% Guaranteed Bonds
7.27% GOI - 03.09.13 2.87% 28.08%
7.80% GOI - 03.05.2020 2.70%
9.85% NABARD 2012 2.70% AAA
8.70% PFC 2020 - 15.07.2020 2.67% 49.31%
P1+
Vijaya Bank CD - 24.05.2011 2.56% 19.93%
8.84% PGC - 29.03.2016 2.43%
AA+
9.05% EXIM- 06.11.2010 1.79% 2.49%
9.50% Exim - 12.12.13 1.76%
7.02% GOI - 17.08.2016 1.72%
9.45% REC - 04.04.13 1.58%
Axis Bank CD - 25.03.2011 1.54%
7.56% GOI 2014 - 03.11.14 1.22% 80%
7.17% GOI - 14.06.2015 1.11% 70%
8.90% PGCIL - 25.02.2015 1.07% 60%
HDFC Ltd CP - 15.07.11 1.07% 50%
6.85% SIDBI - 29.06.2013 1.06% 40% 33.59%

10.10% PGC - 12.06.15 1.05% 30% 26.82%
21.21%
18.37%
Others 17.55% 10%
Total 58.56% 0%
Page 17
KOTAK PENSION BALANCED FUND AS ON 31ST JULY 2010
Performance Meter Pension Balanced Benchmark

Fund

62,456.66
5 years 12.7% 9.8%
4 years 10.5% 9.2%
3 years 5.0% 6.2%
2 years 7.1% 9.6%
6 months 5.4% 4.6%
3 months 1.9% 1.2%
1 month 0.3% 0.4% FD, CD, CP, T Bills, MF, Equity
Current Assets 31.26%
10.13%
Equity % to Fund
Reliance Industries Ltd. 1.47% NCD, Floaters,
ZCB G Sec., GGB
Larsen And Toubro Ltd. 1.37% 39.10% 19.51%
I T C Ltd. 1.25%
Total 31.26%
7.80% GOI - 03.05.2020 6.74% Govt & Govt Repo

7.35% HDFC- 15.02.2012 4.12% Guaranteed Bonds Investments
29.34% 1.33%
8.00% REC- 05.08.2014 2.28% P1+
Fixed Deposits 10.18%
8.28% GOI - 15.02.32 1.96%
0.34%
8.10% EXIM - 15.07.2015 1.91% AA+
8.26% GOI - 02.08.27 1.83% 6.67%
9.45% LIC Hsg Fin - 01.01.12 1.65%
6.49% GOI - 08.06.2015 1.49%
AAA
8.26% LIC Housing Finance - 08.07.2015 1.27% 52.15%
8.50% IRFC - 22.06.2020 1.16%
6.35% OMC GOI BOND - 23.12.2024 1.05%
7.17% GOI - 14.06.2015 1.00%
8.45% PFC - 15.10.2014 0.98%
HDFC Ltd CP - 10.02.11 0.97%
8.84% PGC - 29.03.2016 0.92% 80%
Repo Investments 0.89% 70%
Union Bank CD - 17.06.11 0.80% 60%
PNB CD - 25.03.2011 0.80% 50%
Union Bank of India CD - 07.10.2010 0.79% 40%
27.44% 28.68%
7.85% Sundaram Finance - 25.03.2013 0.79% 30% 26.77%
17.11%
Others 33.08% 10%
Total 68.74% 0%
Page 18
KOTAK PENSION BOND FUND AS ON 31ST JULY 2010
Fund Strategy: Aims to preserve capital and minimize downside risk, with investment in debt and government instruments. Returns will be in line with
Performance Meter Pension Benchmark Assets Under Management (in ` Lakhs)

Bond Fund
4,033.55
5 years 9.2% 5.6%
4 years 10.4% 6.2%
3 years 10.8% 6.2%
2 years 14.1% 8.0%
1 year 7.0% 4.6%
3 months 1.2% 0.9%
1 month -0.2% 0.0%

26.36%
G Sec., GGB
5.88% 23.88%
7.17% GOI - 14.06.2015
7.80% GOI - 03.05.2020 5.47%
8.00% REC- 05.08.2014 3.50% NCD, Floaters,
3.49% ZCB
8.90% SAIL - 01.05.2019
49.76%
6.35% OMC GOI BOND - 23.12.2024 3.08%
8.84% PGC - 29.03.2016 3.00%
Axis Bank CD - 25.03.2011 2.83%
6.85% GoI 2012 2.62%
6.49% GOI - 08.06.2015 2.44%
11.25% PFC - 28.11.18 2.21%
8.70% PFC 2020 - 15.07.2020 1.98% Debt Ratings Profile
PNB CD - 07.01.2011 1.93%
8.33% Bajaj Auto Finance - 19.08.2011 1.92%
8.45% PFC - 15.10.2014 1.91%
9.15% SBP Perpetual Bond 1.90% P1+
Vijaya Bank CD - 24.05.2011 1.88% 19.96%
Current Asset/Liabilities 5.09% Repo
Investments
Others 34.79% 2.46% Govt & Govt
Total 100.00% Guaranteed Bonds
25.16%
AAA AA+
45.33% 7.10%
80%
70%
60%
50%
40%
30%
24.54% 28.39%
24.20% 22.87%
20%
10%
0%
Page 19
KOTAK PENSION GILT FUND AS ON 31ST JULY 2010
Performance
Performance Meter
Meter Pension
Guaranteed Benchmark
Benchmark Assets Under Management (in ` Lakhs)
GiltGilt
FundFund
Since Inception (1-Jul-03) 6.5%
6.2% 6.3%
6.3%
2,118.65
5 years 7.4%
6.9% 7.2%
7.2%
4 years 8.2%
7.5% 8.6%
8.0%
3 years 8.5%
8.6% 7.8%
8.8%
2 years 10.7%
8.7% 11.8%
8.5%
1 year 5.8%
3.8% 4.4%
4.1%
6 months
mth 3.0%
2.5% 2.8%
2.7%
3 months
mth 1.5%
0.8% 1.5%
1.4%
1 month
mth 0.7%
-0.3% 1.1%
-0.2%
7.27% GOI - 03.09.13 18.81%

6.35% OMC GOI BOND - 23.12.2024 8.28% G Sec., GGB MF, Repo, NCA
7.40% GOI 2012 - 03.05.12 7.21% 82.93% 17.07%
7.28% FCI 2010 6.67%
7.80% GOI - 03.05.2020 5.44%
7.17% GOI - 14.06.2015 5.36%
6.49% GOI - 08.06.2015 5.06%
6.85% GoI 2012 4.66%
8.26% GOI - 02.08.27 3.03%
10.35% KA SDL - 08.05.2011 2.91%
8.24% GOI - 15.02.27 2.81%
Canara Bank CD - 01.11.2010 2.53%
8.15% GOI FCI Bonds - 16.10.22 2.33%
IDBI Bank CD - 04.03.11 2.05% Debt Ratings Profile
Vijaya Bank CD - 24.05.2011 1.28%
P1+
Kotak Mahindra Prime Ltd CP - 15.02.11 1.20% 13.10%
Repo
Others 7.92% Govt & Govt Investments
Total 100.00% Guaranteed Bonds 1.29%
85.61%
80%
70%
60%
50%
40%
31.38%
30%
24.28% 26.65%
20% 17.69%
10%
0%
Page 20
KOTAK PENSION FLOATING RATE FUND AS ON 31ST JULY 2010
Performance Meter Pension Floating

Rate Fund Benchmark Assets Under Management (in ` Lakhs)

5 years 6.7% 6.2%
912.77
4 years 7.1% 6.4%
3 years 6.8% 6.1%
2 years 6.7% 5.7%
1 year 4.2% 3.5%
6 months 2.3% 2.1%
3 months 1.0% 1.2%
1 month 0.3% 0.5%

G Sec., GGB
29.71%
7.28% FCI 2010 22.30%
PFC Floater Mibor +215 bps - 29.05.11 8.38%
EXIM Floater INBMK + 33 bps - 09.08.2010 8.32% NCD, Floaters, MF, Repo, NCA
IDFC Ltd Floater Mibor+ 210 bps - 28.04.2011 8.31% ZCB 36.97%
State Bank of Hyderabad CD - 28.04.2011 4.97% 33.32%

Vijaya Bank CD - 24.05.2011 2.64%
Axis Bank CD - 25.03.2011 2.63%
7.17% GOI - 14.06.2015 2.58%
7.80% GOI - 03.05.2020 2.52%
Canara Bank CD - 24.02.2011 2.28% Debt Ratings Profile
364 Days T Bill - 08.10.2010 1.06%
IDBI Bank CD - 04.03.11 1.06%
Current Asset/Liabilities 3.97% Govt & Govt
Guaranteed Bonds
Others 1.45% 32.05% P1+
Total 100.00% 33.25%
AAA
26.05% AA+
8.65%
100% 92.28%
90%
80%
70%
60%
50%
40%
30%
20%
10%
1.49% 3.61% 2.62%
0%
Page 21
KOTAK GROUP BALANCED FUND AS ON 31ST JULY 2010
Fund Strategy: Aims for moderate growth by holding a diversified mix of equities and fixed interest instruments. May also be susceptible to moderate
Performance Meter GroupFund

Balanced Benchmark Assets Under Management (in ` Lakhs)

14,598.82
5 years 14.4% 11.8%
4 years 12.5% 10.6%
3 years 6.6% 6.2%
2 years 9.8% 10.3%
6 months 7.9% 5.7%
3 months 2.4% 1.3%
1 month 1.0% 0.6% G Sec., GGB
12.28%
Equity NCD, Floaters,

% to Fund ZCB
22.27%
Infosys Technologies Ltd. 3.82% Equity
58.76%
2.57% FD, CD, CP, T Bills,
Reliance Industries Ltd.
MF, Repo, NCA
I T C Ltd. 2.40%
Total 58.76%
7.27% GOI - 03.09.13 3.67% Govt & Govt

Repo Guaranteed Bonds
7.80% GOI - 03.05.2020 3.31% Investments 30.74%
8.28% GOI - 15.02.32 1.51% 3.03%
9.15% SBP Perpetual Bond 1.44% P1+
8.45% IRFC - 26.12.18 1.24% Fixed Deposit 10.11%
0.40%
8.26% LIC Housing Finance - 08.07.2015 1.09% AAA
AA+
IRFC Floater INBMK - 10 bps - 22.06.2011 1.00% 48.67%
7.05%
6.35% OMC GOI BOND - 23.12.2024 0.99%
10.95% REC - 14.08.11 0.93%
8.90% SAIL - 01.05.2019 0.90%
8.26% GOI - 02.08.27 0.89%
8.10% EXIM - 15.07.2015 0.84%
8.90% PGCIL - 25.02.2015 0.82% 80%
9.05% EXIM- 06.11.2010 0.73% 70%
7.17% GOI - 14.06.2015 0.73% 60%
9.20% PGC 2015 0.70% 50%
9.45% LIC Hsg Fin - 01.01.12 0.70% 40%
22.53% 29.40% 28.34%

HDFC Ltd CP - 10.02.11 0.69% 30%
19.74%
Others 15.62% 10%
Total 41.24% 0%
Page 22
KOTAK GROUP BOND FUND AS ON 31ST JULY 2010
Performance Meter Group Benchmark Assets Under Management (in ` Lakhs)

Bond Fund
15,278.11
5 years 9.8% 5.6%
4 years 11.2% 6.2%
3 years 11.7% 6.2%
2 years 15.4% 8.0%
1 year 9.4% 4.6%
3 months 2.0% 0.9%
1 month 0.0% 0.0%

27.22% G Sec., GGB
23.65%
7.80% GOI - 03.05.2020 5.43%
7.17% GOI - 14.06.2015 5.30%
8.00% REC- 05.08.2014 3.75%
NCD, Floaters,
6.35% OMC GOI BOND - 23.12.2024 3.37% ZCB
Axis Bank CD - 25.03.2011 3.36% 49.12%
PNB CD - 07.01.2011 3.19%
8.35% REC - 04.09.2014 3.12%
8.84% PGC - 29.03.2016 2.94%
9.65% NABARD - 12.03.12 2.54%
8.90% PGCIL - 25.02.2016 2.37%
HDFC Ltd CP - 15.07.11 2.31%
6.85% GoI 2012 2.27% Debt Ratings Profile
8.56% PN SDL - 13.04.2020 2.26%
11.25% PFC - 28.11.18 2.00%
Corporation Bank CD - 21.02.2011 1.97% Govt & Govt
8.70% PFC 2020 - 15.07.2020 1.96% Guaranteed Bonds
8.64% PGCIL - 08.07.2018 1.95% 24.50%
Current Asset/Liabilities 3.47% Repo P1+

Investments 19.85%
Others 37.27% 4.75%
Total 100.00%
AA+
6.77%
AAA
44.12%
80%
70%
60%
50%
40%
30% 28.39% 25.59%

21.69% 24.33%
20%
10%
0%
<1Year 1-3 Years 3-7 Years 7 Years & Above
Page 23
KOTAK GROUP GILT FUND AS ON 31ST JULY 2010
Group Benchmark Assets Under Management (in ` Lakhs)

Performance Meter Gilt Fund
5 years 7.5% 7.2%
842.47
4 years 8.3% 8.6%
3 years 8.5% 7.8%
2 years 11.5% 11.8%
1 year 4.2% 4.1%
6 months 2.7% 2.7%
3 months 1.1% 1.4%
1 month -0.3% -0.2%

15.25%
7.56% GOI 2014 - 03.11.14 10.22% G Sec., GGB
7.28% FCI 2010 9.38% 84.75%
6.35% OMC GOI BOND - 23.12.2024 8.43%

7.27% GOI - 03.09.13 7.81%
8.15% GOI FCI Bonds - 16.10.22 5.86%
6.49% GOI - 08.06.2015 5.80%
7.80% GOI - 03.05.2020 5.45%
7.17% GOI - 14.06.2015 5.12%
6.85% GoI 2012 4.65%
8.33% GJ SDL - 06.01.2020 4.18%
7.40% GOI 2012 - 03.05.12 3.98%
10.35% KA SDL - 08.05.2011 3.66%
8.26% GOI - 02.08.27 3.05%
Canara Bank CD - 01.11.2010 3.05%
IDBI Bank CD - 04.03.11 2.29% Debt Ratings Profile
7.59% GOI 2016 2.26%
Vijaya Bank CD - 24.05.2011 2.04%
State Bank of Mysore CD - 02.06.2011 1.56% P1+
6.35% GOI 2020 - 02.01.20 1.38% 10.51% Repo Investments
Others 4.75%
Total 100.00%
Govt & Govt
Guaranteed Bonds
87.48%
80%
70%
60%
50%
40%
32.26% 32.86%
30% 25.98%
20%
10% 8.91%
0%
Page 24
KOTAK GROUP FLOATING RATE FUND AS ON 31ST JULU 2010
Performance Meter Group Floating

Rate Fund Benchmark Assets Under Management (in ` Lakhs)

1,263.92
5 years 7.1% 6.2%
4 years 7.5% 6.4%
3 years 7.2% 6.1%
2 years 7.2% 5.7%
1 year 4.8% 3.5%
6 months 2.6% 2.1%
3 months 1.3% 1.2%
1 month 0.6% 0.5%

MF, Repo, NCA
33.38%
7.28% FCI 2010 26.51%
EXIM Floater INBMK + 33 bps - 09.08.2010 7.71% G Sec., GGB
PFC Floater Mibor +215 bps - 29.05.11 7.69% 35.89%
IDFC Ltd Floater Mibor+ 210 bps - 28.04.2011 7.69%
7.17% GOI - 14.06.2015 4.35% NCD, Floaters, ZCB
30.74%
Axis Bank CD - 25.03.2011 3.80%
Vijaya Bank CD - 24.05.2011 2.72%
7.80% GOI - 03.05.2020 2.52%
7.27% GOI - 03.09.13 2.51%
Canara Bank CD - 24.02.2011 2.45%
Syndicate Bank CD - 14.09.2010 2.39% Debt Ratings Profile
IDBI Bank CD - 04.03.11 1.14%
AAA
Others 0.77% Repo
Investments
Total 100.00% AA+
0.05%
8.00%
P1+
29.86%
Govt & Govt
Guaranteed Bonds
38.11%
100% 90.24%
90%
80%
70%
60%
50%
40%
30%
20%
10% 7.14% 2.62%

0%
Page 25
KOTAK GROUP MONEY MARKET FUND AS ON 31ST JULY 2010
Fund Strategy: Aims to protect capital and not have downside risks by investing in money market instruments.
Group Money Assets Under Management (in ` Lakhs)

Performance Meter Market Fund Benchmark

5 years 16.3% 6.2%
0.82
4 years 18.6% 6.4%
3 years 22.1% 6.1%
2 years 27.5% 5.7%
1 year 45.4% 3.5%
6 months 39.7% 2.1%
3 months 38.2% 1.2%
1 month 37.2% 0.5%

MF, Repo, NCA
Debt Portfolio % to Fund 100.00%
364 Days T Bill - 08.10.2010 72.76%

PNB CD - 25.03.2011 7.89%
Union Bank CD - 17.06.11 7.88%
Total 100.00%
Debt Ratings Profile
Govt & Govt

Guaranteed Bonds
73.59%
P1+
26.41%
100.00%
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
<1-Year
Page 26
KOTAK ADVANTAGE PLUS FUND AS ON 31ST JULY 2010
Fund Strategy: Aims for moderate growth by holding a diversified mix of equities and fixed interest instruments. May be susceptible to moderate levels of
shorter-term volatility (downside risk)
Performance Meter Kotak Advantage Benchmark

Plus Fund
Since Inception (22-Feb-06) 5.9% 9.4%

6,311.31
5 years n.a. n.a.
4 years 6.8% 9.8%
3 years 3.8% 6.1%
2 years 11.1% 9.4%
1 year 5.1% 9.1%
6 months 3.4% 5.4%
3 months -0.1% 1.2% G Sec., GGB
1 month 0.3% 0.4% 8.22%
NCD, Floaters,
ZCB
Equity % to Fund 20.88%
Equity
Reliance Industries Ltd. 5.88% 57.10%
Infosys Technologies Ltd. 4.60% FD, CD, CP, T Bills,
Larsen And Toubro Ltd. 3.49% MF, Repo, NCA
13.80%
I T C Ltd. 2.84%
HDFC Bank Ltd. 2.46% Allocation by Sector - Equity
Bharti Airtel Ltd. 1.63% Pharma 2.47%
Bharat Heavy Electricals Ltd. 1.62% Telecom 3.53%
National Thermal Power Corporation Ltd. 1.22% Others 3.65%
Wipro Ltd. 1.00% FMCG 6.73%
Hindustan Unilever Ltd. 1.00% Utilities 7.22%
Sterlite Industries Ltd. 0.94% Information Tech 13.77%
Jindal Steel and Power Ltd. 0.94% Oil & Gas 17.40%
Total 57.10%
7.28% FCI 2010 4.40% Fixed Deposits

3.92% Govt & Govt
7.10% PGC Ltd - 18.02.11 3.72% Guaranteed Bonds
7.40% GOI 2012 - 03.05.12 3.26% 20.83%
12.10% SAIL 2011 - 12.03.2011 2.98%
PNB CD - 25.03.2011 2.88%
Canara Bank CD - 24.02.2011 2.30% P1+
22.31%
8.5 % LIC Housing Finance 9 June 11 2.13%
AAA
6.85% SIDBI - 29.06.2013 2.03% 51.24% AA+
Vijaya Bank CD - 24.05.2011 2.00% 1.70%
7.90% REC - 06.10.2012 1.59%
7.30% REC- 30.06.2011 1.57%
8.50% Exim Bank Bonds 2011 1.42%
9.01% PFC - 15.02.11 1.38% Debt Maturity Profile
8.95% HDFC - 16.01.11 1.36%
9.40% ICICI 28th December 2011 1.06% 80% 73.60%
10% PFC - 15.06.12 0.82% 70%
State Bank of Hyderabad CD - 04.01.2011 0.82% 60%
HDFC Ltd CP - 10.02.11 0.80% 50%
9.90% HDFC - 17.12.11 0.79% 40%
7.80% Sundaram Finance 2011 - 28.07.2011 0.50% 30% 24.99%

Others 1.63% 10%

1.42%
Total 42.90% 0%
Page 27
KOTAK ADVANTAGE PLUS FUND II AS ON 31ST JULY 2010
Fund Strategy: Aims for moderate growth by holding a diversified mix of equities and fixed interest instruments. May be susceptible to moderate levels of
shorter-term volatility (downside risk)
Performance Meter Kotak Advantage Benchmark

Plus Fund II

4,359.19
5 years n.a. n.a.
4 years 6.5% 9.8%
3 years 3.9% 6.1%
2 years 10.9% 9.4%
1 year 5.1% 9.1%
6 months 3.3% 5.4%
3 months -0.3% 1.2% FD, CD, CP, T Bills,
7.37%
NCD, Floaters,
Equity ZCB
% to Fund 18.25%
Equity
Reliance Industries Ltd. 5.87% 57.20%
Infosys Technologies Ltd. 4.62% G Sec., GGB
I T C Ltd. 2.85%
Bharti Airtel Ltd. 1.61% Telecom 3.48%
Total 57.20%
7.40% GOI 2012 - 03.05.12 17.18% P1+

2.72%
8.70% Tata Sons 2012 - 26.06.2012 3.39%
9.80% PFC - 20.09.12 3.20%
9.85% NABARD 2012 3.18%
Govt & Govt AAA
9.40% ICICI 28th December 2011 2.48% 46.43%
Guaranteed Bonds
9.80% Nabard - 10.09.12 2.44% 43.72%
7.90% REC - 06.10.2012 2.23%
10.25% HDFC 2012 - 29.05.12. 1.18% Fixed Deposits
7.13%
7.20% REC - 17.03.2012 1.01%
HDFC Ltd CP - 10.02.11 0.81%
9.45% LIC Hsg Fin - 01.01.12 0.52%
7.20% REC -17.09.2012 0.47%
9.50% Nabard - 15.10.12 0.21%
9.32% HDFC - 17.12.12 0.21% 100% 96.88%
90%
9.50% Kotak Bank FD 31.01.2012 0.16%
80%
9.65% NABARD - 12.03.12 0.16% 70%
7.05% HDFC FD- 24.07.2011 0.07% 60%
7.00% HDFC FD1- 16.07.2011 0.06% 50%
40%
7.35% HDFC- 15.02.2012 0.05% 30%
Others 0.03% 10% 3.12%

0%
Page 28
KOTAK ADVANTAGE MULTIPLIER FUND AS ON 31ST JULY 2010
(downside risk)
Kotak Advantage Assets Under Management (in ` Lakhs)

Performance Meter Multiplier Fund Benchmark
Since Inception (22-Feb-06) 6.1% 10.2%
n.a. n.a
665.41
5 years
4 years 6.8% 10.6%
3 years 3.6% 6.1%
2 years 11.3% 9.7%
6 months 3.8% 6.2%
3 months 0.0% 1.3%
NCD, Floaters,
1 month 0.3% 0.5% ZCB FD, CD, CP, T Bills,
15.89% MF, Current Assets
11.75%
Equity % to Fund G Sec., GGB

15.21%
Reliance Industries Ltd. 5.74% Equity
57.15%
I T C Ltd. 2.85%
Bharti Airtel Ltd. 1.65% Pharma 2.47%
Bharat Heavy Electricals Ltd. 1.65% Telecom 3.56%
Total 57.15%
7.02% GOI - 17.08.2016 8.39% Repo AAA

8.90% PGCIL - 25.02.2016 7.41% Investments 37.88%
0.10%
12.30% GOI - 02.07.2016 2.72%
Vijaya Bank CD - 24.05.2011 2.43% Fixed Deposits
9.48%
9.40% ICICI 28th December 2011 1.87% P1+
9.50% Kotak Bank FD 31.01.2012 1.65% Govt & Govt 10.27%
Guaranteed Bonds
State Bank of Hyderabad CD - 04.01.2011 1.55% AA+
39.20%
7.56% GOI 2014 - 03.11.14 1.47% 3.07%
9.98% ICICI Perpetual Bond - 13.09.16 1.31%
11.40% PFC - 28.11.13 0.98%
8.50% Exim Bank Bonds 2011 0.95%
6.49% GOI - 08.06.2015 0.86%
9.39% GOI 02-July-2011 0.72%
7.80% Sundaram Finance 2011 - 28.07.2011 0.66% 80%
9.90% Tata Sons - 20.05.11 0.62% 70% 66.47%

8.20% GOI - 15.02.22 0.44% 50%
6.05% GOI 2019 - 02.02.19 0.38% 40%
8.50% EXIM 2011 - 12.09.2011 0.30% 30%
Current Asset/Liabilities 4.05% 20% 15.93% 14.74%

Others 1.25% 10% 2.85%
Total 42.85% 0%
Page 29
KOTAK ADVANTAGE MULTIPLIER FUND II AS ON 31ST JULY 2010
Fund Strategy: 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)
Kotak Advantage Assets Under Management (in ` Lakhs)

Performance Meter Multiplier Fund II Benchmark

416.52
5 years n.a. n.a.
4 years 6.6% 10.6%
3 years 3.8% 6.1%
2 years 11.0% 9.7%
1 year 5.7% 10.2%
6 months 3.8% 6.2%
3 months 0.0% 1.3%
FD, CD, CP, T Bills, MF,
1 month 0.3% 0.5% NCD, Floaters, Current Assets
ZCB 12.66%
13.08%
Equity % to Fund
G Sec., GGB Equity
Infosys Technologies Ltd. 4.61% 17.16% 57.11%
I T C Ltd. 2.86%
Bharti Airtel Ltd. 1.61% Telecom 3.49%
Hindustan Unilever Ltd. 1.00% FMCG 6.76%
Wipro Ltd. 1.00% Utilities 7.22%
Jindal Steel and Power Ltd. 0.94% Information Tech 13.77%
Sterlite Industries Ltd. 0.94% Oil & Gas 17.32%
Total 57.11%
7.02% GOI - 17.08.2016 6.95% AA+ AAA

7.27% GOI - 03.09.13 4.48% P1+ 0.69% 32.42%
12.56%
9.98% ICICI Perpetual Bond - 13.09.16 2.80%
State Bank of Bikaner & Jaipur CD - 04.01.2011 2.48%
Fixed
State Bank of Hyderabad CD - 04.01.2011 2.48% Deposits
7.75% REC - 17.11.2012 2.40% Govt & Govt 9.54%
10.35% HDFC 2017 - 16.05.17 2.18% Guaranteed Bonds
43.44% Repo
9.50% Kotak Bank FD 31.01.2012 2.15% Investments
7.56% GOI 2014 - 03.11.14 1.97% 1.37%
9.40% ICICI 28th December 2011 1.45%
6.49% GOI - 08.06.2015 1.23%
8.90% PGCIL - 25.02.2016 1.21%
9.39% GOI 02-July-2011 0.83%
10.25% HDFC 2012 - 29.05.12. 0.81%
9.47% PGC - 31.03.15 0.74% 80%
8.20% GOI - 15.02.22 0.67% 70%
6.05% GOI 2019 - 02.02.19 0.60% 60% 56.64%

Repo Investments 0.54% 50%
9.20% PGC 2015 0.49% 40%
9.32% HDFC - 17.12.12 0.42% 30%

21.01%
18.03%
4.32%
Others 2.60% 10%
Total 42.89% 0%
Page 30
ANNEXURE
The break-up of Others is as given below:
Equity Kotak Equity Kotak Aggressive Growth Fund

Opportunities Fund
Others 43.94% Others 36.43%
Dr Reddys Laboratories Ltd. 1.55% Maruti Suzuki India Ltd. 1.68%
Bajaj Auto Ltd. 1.49% Bharti Airtel Ltd. 1.68%
Titan Industries Ltd. 1.47% Crompton Greaves Ltd. 1.50%
Asian Paints Ltd. 1.46% Asian Paints Ltd. 1.48%
Bank of Baroda 1.41% GAIL (India) Ltd. 1.39%
GlaxoSmithKline Consumer Healthcare Ltd. 1.39% YES BANK LTD. 1.37%
Sun TV Network Ltd. 1.39% Dr Reddys Laboratories Ltd. 1.32%
Infrastructure Development Finance Company Ltd. 1.38% Cipla Ltd. 1.29%
Dish TV India Ltd. 1.37% HCL Technologies Ltd. 1.20%
Reliance Infrastructure Ltd. 1.30% Voltas Ltd. 1.10%
Crompton Greaves Ltd. 1.18% Rural Electrification Corporation Ltd. 1.08%
Hindalco Industries Ltd. 0.99% Bank of Baroda 1.08%
Shriram Transport Finance Co. Ltd. 0.97% Oriental Bank of Commerce 1.07%
Exide Industries Ltd. 0.97% Petronet L N G Ltd. 1.04%
IRB Infrastructure Developers Ltd. 0.97% Hindalco Industries Ltd. 1.02%
Hindustan Zinc Ltd. 0.96% Tata Steel Ltd. 1.00%
Lanco Infratech Ltd. 0.96% Pantaloon Retail (India) Ltd. 1.00%
Wipro Ltd. 0.95% Nestle (India) Ltd. 0.98%
Radico Khaitan Ltd. 0.95% IRB Infrastructure Developers Ltd. 0.96%
Motherson Sumi Systems Ltd. 0.95% Jindal Steel and Power Ltd. 0.96%
Tata Steel Ltd. 0.94% Bank of India 0.95%
Gujarat State Fertilizers & Chemicals Ltd. 0.93% Sterlite Industries Ltd. 0.95%
Pantaloon Retail (India) Ltd. 0.93% Jain Irrigation Systems Ltd. 0.95%
Tata Power Company Ltd. 0.92% United Spirits Ltd. 0.94%
Gujarat State Petronet Ltd. 0.92% Tata Power Company Ltd. 0.94%
Indiabulls Real Estate Ltd. 0.90% NHPC Ltd. 0.91%
I L & F S Transportation Networks Ltd. 0.90% Mphasis Ltd. 0.91%
Maharashtra Seamless Ltd. 0.90% Glenmark Pharmaceuticals Ltd. 0.90%
Thermax Ltd. 0.89% Grasim Industries Ltd. 0.87%
The Great Eastern Shipping Co. Ltd. 0.87% Steel Authority of India Ltd. 0.87%
Aurobindo Pharma Ltd. 0.87% Balrampur Chini Mills Ltd. 0.84%
Ipca Laboratories Ltd. 0.87% Nagarjuna Construction Co. Ltd. 0.82%
Power Finance Corporation Ltd. 0.86% Chambal Fertilisers & Chemicals Ltd. 0.79%
Godrej Consumer Products Limited. 0.85% Patni Computer Systems Ltd. 0.48%
Jubilant Organosys Ltd. 0.84% Hindustan Media Ventures Ltd. 0.15%
Shree Renuka Sugars Ltd. 0.82%
Oracle Financial Services Software Ltd. 0.82%
IVRCL Infrastructures & Projects Ltd. 0.80%
Cummins India Ltd. 0.76%
J S W Steel Ltd. 0.76%
Polaris Software Lab Ltd. 0.75%
A I A Engineering Ltd. 0.73%
Federal Bank Ltd. 0.69%
Idea Cellular Ltd. 0.23%
Hindustan Media Ventures Ltd. 0.14%
Equity Kotak Dynamic Equity Kotak Dynamic

Growth Fund Floor Fund
Bharti Airtel Ltd. 1.35% Tata Motors Ltd. 0.81%
Maruti Suzuki India Ltd. 1.29% GAIL (India) Ltd. 0.77%
Crompton Greaves Ltd. 1.21% Tata Power Company Ltd. 0.71%
Asian Paints Ltd. 1.20% Steel Authority of India Ltd. 0.65%
YES BANK LTD. 1.13% Cairn India Ltd. 0.65%
GAIL (India) Ltd. 1.12% Hindalco Industries Ltd. 0.65%
Dr Reddys Laboratories Ltd. 1.06% Hero Honda Motors Ltd. 0.59%
Cipla Ltd. 1.04% Maruti Suzuki India Ltd. 0.57%
HCL Technologies Ltd. 0.96% Cipla Ltd. 0.55%
Oriental Bank of Commerce 0.85% Reliance Infrastructure Ltd. 0.53%
Petronet L N G Ltd. 0.85% Sun Pharmaceuticals Ltd. 0.53%
Tata Steel Ltd. 0.81% Punjab National Bank 0.52%
Hindalco Industries Ltd. 0.81% Infrastructure Development Finance Company Ltd. 0.50%
Bank of Baroda 0.80% DLF Ltd. 0.50%
IRB Infrastructure Developers Ltd. 0.80% Jaiprakash Associates Ltd. 0.39%
Rural Electrification Corporation Ltd. 0.79% Siemens Ltd. 0.38%
Nestle (India) Ltd. 0.79% Idea Cellular Ltd. 0.35%
Voltas Ltd. 0.78% HCL Technologies Ltd. 0.35%
Sterlite Industries Ltd. 0.78% Ambuja Cements Ltd. 0.34%
Bank of India 0.77% Reliance Capital Ltd. 0.32%
Jain Irrigation Systems Ltd. 0.76% Bharat Petroleum Corporation Ltd. 0.32%
Jindal Steel and Power Ltd. 0.76% Power Grid Corporation of India Ltd. 0.32%
Pantaloon Retail (India) Ltd. 0.76% Reliance Power Ltd. 0.31%
Tata Power Company Ltd. 0.75% ACC Ltd. 0.30%
United Spirits Ltd. 0.75% ABB Ltd. 0.28%
Glenmark Pharmaceuticals Ltd. 0.74% Ranbaxy Laboratories Ltd. 0.26%
NHPC Ltd. 0.73% Grasim Industries Ltd. 0.24%
Mphasis Ltd. 0.70% N M D C Ltd. 0.10%
Steel Authority of India Ltd. 0.70% Samruddhi Cement Ltd. 0.06%
Balrampur Chini Mills Ltd. 0.69%
Grasim Industries Ltd. 0.68%
Nagarjuna Construction Co. Ltd. 0.66%
Chambal Fertilisers & Chemicals Ltd. 0.64%
Patni Computer Systems Ltd. 0.38%
ANNEXURE
Equity Kotak Dynamic Equity Kotak Guaranteed

Balanced Fund Growth Fund
Maruti Suzuki India Ltd. 0.99% Tata Motors Ltd. 0.68%
Bharti Airtel Ltd. 0.97% Maruti Suzuki India Ltd. 0.68%
Crompton Greaves Ltd. 0.92% YES BANK LTD. 0.65%
Asian Paints Ltd. 0.91% Bharti Airtel Ltd. 0.64%
GAIL (India) Ltd. 0.87% GAIL (India) Ltd. 0.62%
YES BANK LTD. 0.81% Dr Reddys Laboratories Ltd. 0.62%
Dr Reddys Laboratories Ltd. 0.81% Nestle (India) Ltd. 0.61%
Cipla Ltd. 0.79% Crompton Greaves Ltd. 0.60%
HCL Technologies Ltd. 0.72% Cipla Ltd. 0.58%
Oriental Bank of Commerce 0.64% HCL Technologies Ltd. 0.55%
Tata Steel Ltd. 0.61% Bank of Baroda 0.47%
Bank of Baroda 0.61% Petronet L N G Ltd. 0.45%
Nestle (India) Ltd. 0.61% Rural Electrification Corporation Ltd. 0.45%
Sterlite Industries Ltd. 0.60% IRB Infrastructure Developers Ltd. 0.44%
Rural Electrification Corporation Ltd. 0.59% Grasim Industries Ltd. 0.42%
Hindalco Industries Ltd. 0.59% Voltas Ltd. 0.42%
Petronet L N G Ltd. 0.59% Hindalco Industries Ltd. 0.42%
Voltas Ltd. 0.59% Oriental Bank of Commerce 0.41%
Jain Irrigation Systems Ltd. 0.58% NHPC Ltd. 0.40%
Jindal Steel and Power Ltd. 0.58% Bank of India 0.40%
Pantaloon Retail (India) Ltd. 0.58% Tata Power Company Ltd. 0.40%
Bank of India 0.57% Jindal Steel and Power Ltd. 0.40%
IRB Infrastructure Developers Ltd. 0.57% Pantaloon Retail (India) Ltd. 0.40%
United Spirits Ltd. 0.56% United Spirits Ltd. 0.40%
Tata Power Company Ltd. 0.56% Sterlite Industries Ltd. 0.39%
NHPC Ltd. 0.56% Glenmark Pharmaceuticals Ltd. 0.38%
Grasim Industries Ltd. 0.56% Nagarjuna Construction Co. Ltd. 0.38%
Mphasis Ltd. 0.56% GlaxoSmithKline Consumer Healthcare Ltd. 0.38%
Steel Authority of India Ltd. 0.55% Steel Authority of India Ltd. 0.38%
Glenmark Pharmaceuticals Ltd. 0.55% Chambal Fertilisers & Chemicals Ltd. 0.26%
Balrampur Chini Mills Ltd. 0.53% Jain Irrigation Systems Ltd. 0.23%
Nagarjuna Construction Co. Ltd. 0.50% Tata Steel Ltd. 0.22%
Chambal Fertilisers & Chemicals Ltd. 0.48% Wipro Ltd. 0.21%
Patni Computer Systems Ltd. 0.29% Patni Computer Systems Ltd. 0.20%
Hindustan Media Ventures Ltd. 0.09% Jubilant Organosys Ltd. 0.17%
Equity Kotak Guaranteed Equity Kotak Pension

Balanced Fund Growth Fund
Maruti Suzuki India Ltd. 0.51% Maruti Suzuki India Ltd. 0.68%
Tata Motors Ltd. 0.51% Asian Paints Ltd. 0.67%
YES BANK LTD. 0.49% YES BANK LTD. 0.65%
Nestle (India) Ltd. 0.49% Bharti Airtel Ltd. 0.64%
Bharti Airtel Ltd. 0.48% Dr Reddys Laboratories Ltd. 0.62%
Dr Reddys Laboratories Ltd. 0.46% Crompton Greaves Ltd. 0.60%
Crompton Greaves Ltd. 0.45% Nestle (India) Ltd. 0.59%
Cipla Ltd. 0.44% HCL Technologies Ltd. 0.55%
HCL Technologies Ltd. 0.41% Grasim Industries Ltd 0.54%
GlaxoSmithKline Consumer Healthcare Ltd. 0.37% Cipla Ltd. 0.54%
Bank of Baroda 0.37% Petronet L N G Ltd. 0.44%
Petronet L N G Ltd. 0.34% Bank of Baroda 0.44%
Rural Electrification Corporation Ltd. 0.34% Hindalco Industries Ltd. 0.43%
IRB Infrastructure Developers Ltd. 0.33% Rural Electrification Corporation Ltd. 0.42%
Grasim Industries Ltd. 0.32% Voltas Ltd. 0.42%
Hindalco Industries Ltd. 0.32% IRB Infrastructure Developers Ltd. 0.42%
Voltas Ltd. 0.32% Oriental Bank of Commerce 0.41%
Oriental Bank of Commerce 0.31% Steel Authority of India Ltd. 0.41%
NHPC Ltd. 0.30% Bank of India 0.40%
Bank of India 0.30% NHPC Ltd. 0.40%
Pantaloon Retail (India) Ltd. 0.30% Tata Power Company Ltd. 0.40%
Jindal Steel and Power Ltd. 0.30% United Spirits Ltd. 0.39%
Tata Power Company Ltd. 0.30% Pantaloon Retail (India) Ltd. 0.39%
United Spirits Ltd. 0.30% Jindal Steel and Power Ltd. 0.39%
Sterlite Industries Ltd. 0.29% Sterlite Industries Ltd. 0.39%
Steel Authority of India Ltd. 0.29% Glenmark Pharmaceuticals Ltd. 0.38%
Glenmark Pharmaceuticals Ltd. 0.29% Nagarjuna Construction Co. Ltd. 0.38%
Nagarjuna Construction Co. Ltd. 0.29% Chambal Fertilisers & Chemicals Ltd. 0.26%
Chambal Fertilisers & Chemicals Ltd. 0.20% GlaxoSmithKline Consumer Healthcare Ltd. 0.26%
Jain Irrigation Systems Ltd. 0.17% Tata Steel Ltd. 0.23%
Wipro Ltd. 0.15% Jain Irrigation Systems Ltd. 0.22%
Tata Steel Ltd. 0.15% Wipro Ltd. 0.20%
Jubilant Organosys Ltd. 0.13% Jubilant Organosys Ltd. 0.18%
Hindustan Media Ventures Ltd. 0.04% Hindustan Media Ventures Ltd. 0.05%
ANNEXURE
Equity Kotak Pension Equity Kotak Group

Balanced Fund Balanced Fund
Tata Motors Ltd. 0.51% Maruti Suzuki India Ltd. 1.03%
Maruti Suzuki India Ltd. 0.51% Bharti Airtel Ltd. 0.95%
YES BANK LTD. 0.49% Crompton Greaves Ltd. 0.92%
Bharti Airtel Ltd. 0.48% Asian Paints Ltd. 0.90%
GAIL (India) Ltd. 0.46% YES BANK LTD. 0.87%
Nestle (India) Ltd. 0.46% GAIL (India) Ltd. 0.86%
Dr Reddys Laboratories Ltd. 0.46% Dr Reddys Laboratories Ltd. 0.81%
Crompton Greaves Ltd. 0.45% Cipla Ltd. 0.78%
Cipla Ltd. 0.42% HCL Technologies Ltd. 0.72%
HCL Technologies Ltd. 0.41% IRB Infrastructure Developers Ltd. 0.66%
Bank of Baroda 0.36% Oriental Bank of Commerce 0.64%
Petronet L N G Ltd. 0.34% Hindalco Industries Ltd. 0.63%
Rural Electrification Corporation Ltd. 0.33% Voltas Ltd. 0.62%
IRB Infrastructure Developers Ltd. 0.33% Nestle (India) Ltd. 0.61%
Grasim Industries Ltd. 0.32% Tata Steel Ltd. 0.61%
Voltas Ltd. 0.31% Petronet L N G Ltd. 0.60%
Hindalco Industries Ltd. 0.31% Sterlite Industries Ltd. 0.59%
Oriental Bank of Commerce 0.31% Pantaloon Retail (India) Ltd. 0.59%
GlaxoSmithKline Consumer Healthcare Ltd. 0.30% Bank of Baroda 0.59%
Bank of India 0.30% Bank of India 0.57%
NHPC Ltd. 0.30% Rural Electrification Corporation Ltd. 0.57%
Tata Power Company Ltd. 0.30% Jain Irrigation Systems Ltd 0.57%
Jindal Steel and Power Ltd. 0.30% Jindal Steel and Power Ltd. 0.57%
United Spirits Ltd. 0.30% Tata Power Company Ltd. 0.57%
Pantaloon Retail (India) Ltd. 0.30% United Spirits Ltd. 0.57%
Sterlite Industries Ltd. 0.29% NHPC Ltd. 0.56%
Nagarjuna Construction Co. Ltd. 0.29% Mphasis Ltd. 0.56%
Glenmark Pharmaceuticals Ltd. 0.29% Glenmark Pharmaceuticals Ltd. 0.55%
Steel Authority of India Ltd. 0.29% Steel Authority of India Ltd. 0.53%
Chambal Fertilisers & Chemicals Ltd. 0.20% Nagarjuna Construction Co. Ltd. 0.50%
Jain Irrigation Systems Ltd. 0.17% Chambal Fertilisers & Chemicals Ltd. 0.48%
Tata Steel Ltd. 0.16% Grasim Industries Ltd. 0.48%
Wipro Ltd. 0.15% Balrampur Chini Mills Ltd. 0.46%
Jubilant Organosys Ltd. 0.13% Hindustan Media Ventures Ltd. 0.09%
Equity Kotak Advantage Equity Kotak Advantage

Plus Fund Plus Fund II
Others 13.75% Other 13.84%
Tata Motors Ltd. 0.85% Tata Motors Ltd. 0.85%
Tata Power Company Ltd. 0.74% Tata Power Company Ltd. 0.74%
Cairn India Ltd. 0.69% Steel Authority of India Ltd. 0.69%
Steel Authority of India Ltd. 0.69% Cairn India Ltd. 0.69%
Hindalco Industries Ltd. 0.68% Hindalco Industries Ltd. 0.68%
Hero Honda Motors Ltd. 0.62% Hero Honda Motors Ltd. 0.62%
Cipla Ltd. 0.58% Cipla Ltd. 0.58%
Sun Pharmaceuticals Ltd. 0.56% Sun Pharmaceuticals Ltd. 0.56%
Reliance Infrastructure Ltd. 0.55% Reliance Infrastructure Ltd. 0.56%
Punjab National Bank 0.54% Punjab National Bank 0.54%
Infrastructure Development Finance Company Ltd. 0.52% Infrastructure Development Finance Company Ltd. 0.52%
DLF Ltd. 0.52% DLF Ltd. 0.52%
Jaiprakash Associates Ltd. 0.41% Grasim Industries Ltd. 0.44%
Siemens Ltd. 0.40% Jaiprakash Associates Ltd. 0.41%
Grasim Industries Ltd. 0.39% Siemens Ltd. 0.40%
Idea Cellular Ltd. 0.38% Idea Cellular Ltd. 0.39%
HCL Technologies Ltd. 0.37% HCL Technologies Ltd. 0.37%
Ambuja Cements Ltd. 0.36% Ambuja Cements Ltd. 0.36%
Reliance Capital Ltd. 0.34% Reliance Capital Ltd. 0.34%
Bharat Petroleum Corporation Ltd. 0.34% Bharat Petroleum Corporation Ltd. 0.34%
Power Grid Corporation of India Ltd. 0.34% Power Grid Corporation of India Ltd. 0.34%
Reliance Power Ltd. 0.33% Reliance Power Ltd. 0.33%
ACC Ltd. 0.31% ACC Ltd. 0.31%
ABB Ltd. 0.30% ABB Ltd. 0.30%
Ranbaxy Laboratories Ltd. 0.28% Ranbaxy Laboratories Ltd. 0.27%
N M D C Ltd. 0.16% N M D C Ltd. 0.18%
Samruddhi Cement Ltd. 0.10% Samruddhi Cement Ltd. 0.11%
ANNEXURE
Equity Kotak Advantage Equity Kotak Advantage

Multiplier Fund Multiplier Fund II
Tata Motors Ltd. 0.85% Tata Motors Ltd. 0.85%
Tata Power Company Ltd. 0.75% Tata Power Company Ltd. 0.75%
Cairn India Ltd. 0.70% Hindalco Industries Ltd. 0.68%
Steel Authority of India Ltd. 0.70% Cairn India Ltd. 0.68%
Hindalco Industries Ltd. 0.69% Steel Authority of India Ltd. 0.68%
Hero Honda Motors Ltd. 0.62% Hero Honda Motors Ltd. 0.62%
Cipla Ltd. 0.58% Cipla Ltd. 0.58%
Sun Pharmaceuticals Ltd. 0.56% Reliance Infrastructure Ltd. 0.56%
Reliance Infrastructure Ltd. 0.56% Sun Pharmaceuticals Ltd. 0.56%
Punjab National Bank 0.55% Punjab National Bank 0.54%
Infrastructure Development Finance Company Ltd. 0.53% DLF Ltd. 0.52%
DLF Ltd. 0.53% Infrastructure Development Finance Company Ltd. 0.52%
Jaiprakash Associates Ltd. 0.41% Jaiprakash Associates Ltd. 0.41%
Siemens Ltd. 0.40% Siemens Ltd. 0.40%
Idea Cellular Ltd. 0.38% Grasim Industries Ltd. 0.40%
HCL Technologies Ltd. 0.37% Idea Cellular Ltd. 0.38%
Ambuja Cements Ltd. 0.36% HCL Technologies Ltd. 0.37%
Grasim Industries Ltd. 0.36% Ambuja Cements Ltd. 0.36%
Reliance Capital Ltd. 0.35% Reliance Capital Ltd. 0.34%
Bharat Petroleum Corporation Ltd. 0.34% Bharat Petroleum Corporation Ltd. 0.34%
Power Grid Corporation of India Ltd. 0.33% Power Grid Corporation of India Ltd. 0.34%
Reliance Power Ltd. 0.33% Reliance Power Ltd. 0.33%
ACC Ltd. 0.32% ACC Ltd. 0.32%
ABB Ltd. 0.30% ABB Ltd. 0.30%
Ranbaxy Laboratories Ltd. 0.28% Ranbaxy Laboratories Ltd. 0.27%
N M D C Ltd. 0.15% N M D C Ltd. 0.16%
Samruddhi Cement Ltd. 0.09% Samruddhi Cement Ltd. 0.10%
Disclaimer :
Though document is thoroughly researched & prepared by our fund experts. Kotak Life Insurance Ltd however makes no warranties, representations,
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 :
About Kotak Mahindra Old Mutual Life Insurance
Kotak Mahindra Old Mutual Life Insurance is a 74:26 joint venture between Kotak Mahindra Bank Ltd., its affiliates and Old Mutual plc. A company that
combines its international strengths and local advantages to offer its customers a wide range of innovative life insurance products, helping them takes
important financial decisions at every stage in life and stay financially independent. The company is one of the fastest growing insurance companies in India
and has shown remarkable growth since its inception in 2000. Kotak Life Insurance employs over 6,000 people in its various businesses and has 214
branches pan India.
The Kotak Mahindra Group

The Kotak Mahindra group is one of India's leading banking and financial services organizations, with offerings across personal financial services;
commercial banking; corporate and investment banking and markets; stock broking; asset management and life insurance. The Kotak Group has a net
worth of Rs. 7,911 cr and has a distribution network through branches, franchisees, representative offices and satellite offices across cities and towns in
India and offices in London, New York, San Francisco, Singapore, Dubai and Mauritius, servicing around 7 million customer accounts.
Old Mutual plc

Old Mutual plc is an international savings and wealth management company based in the UK. Originating in South Africa in 1845, Old Mutual is a Global
500 and FTSE 100 company, listed in UK, South Africa and other 3 African exchanges. The group has a balanced portfolio of businesses offering Asset
Management, Life Assurance, Banking and General Insurance Services in over 40 countries, with a focus on South Africa, Europe and the United States, and
a growing presence in Asia Pacific.
* Numbers as on 31st March 2010.
Kotak Mahindra Old Mutual Life Insurance Ltd., Regn. No.107, Regd. Office: 9th Floor, Godrej Coliseum, Behind Everard Nagar, Sion (East),
Mumbai - 400 022. Website: www.kotaklifeinsurance.com Email: lifeexpert@kotak.com. Insurance is the subject matter of the solicitation.

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MONTHLY UPDATE

Equity Market Outlook

Debt Market Outlook

Kotak Aggressive Dynamic Dynamic Dynamic Dynamic Kotak Dynamic

Inception 48.6% 23.5% 19.2% 13.9% 17.0% 8.3% 6.2% 6.6%

Guaranteed Guaranteed Guaranteed Guaranteed Guaranteed Guaranteed

Inception 17.6% 15.3% 8.2% 6.2% 6.6% 8.3%

KOTAK PRIVILEGED ASSURANCE PLAN - FUND PERFORMANCE

Inception 5.9% 6.2% 6.1% 6.3%

Performance Meter Opportunities

Since Inception (3-Oct-08) 48.6% 21.4%

Debt Portfolio % to Fund Debt Ratings Profile

11.45% RIL - 25.11.13 0.06% 70%

8.50% IRFC - 22.06.2020 0.06% 60%

10.25% Tech Mahindra Ltd - 17.04.2013 0.05% 50%

8.70% PFC- 14.05.2015 0.05% 40% 35.49% 31.56%

Current Asset/Liabilities 0.61% 20%

Debt Portfolio % to Fund Debt Ratings Profile

8.10% EXIM - 15.07.2015 0.59%

8.20% GOI - 15.02.22 0.08% 70%

9.20% L & T Ltd - 21.01.2012 0.06% 60%

7.20% REC - 17.03.2015 0.06% 50%

Oil & Natural Gas Corporation Ltd. 3.42%

Debt Portfolio % to Fund Debt Ratings Profile

7.28% FCI 2010 3.94% Fixed Deposit

Performance Meter Kotak Dynamic

Since Inception (14-Nov-06) 13.9% 7.8%

Debt Portfolio % to Fund Debt Ratings Profile

8.28% GOI - 15.02.32 2.34% Govt & Govt

Debt Portfolio % to Fund Debt Ratings Profile

7.80% GOI - 03.05.2020 7.99% AA+

8.70% Tata Sons 2012 - 26.06.2012 0.77% 70%

6.35% OMC GOI BOND - 23.12.2024 0.71% 60%

8.45% PFC - 15.10.2014 0.69% 50%

8.84% PGC - 29.03.2016 0.64% 40%

Performance Meter Dynamic Benchmark Assets Under Management (in ` Lakhs)

Debt Portfolio % to Fund G Sec., GGB

Repo Investments 5.96%

Debt Maturity Profile

Performance Meter Dynamic Benchmark Assets Under Management (in ` Lakhs)

Debt Portfolio % to Fund G Sec., GGB

Govt & Govt

Debt Maturity Profile

Performance Meter Dynamic Floating Benchmark

Since Inception (7-Dec-04) 6.6% 6.1%

Debt Portfolio % to Fund FD, CD, CP, T Bills,

Debt Maturity Profile

Performance Meter Guaranteed Benchmark Assets Under Management (in ` Lakhs)

Debt Portfolio % to Fund Debt Ratings Profile

7.80% GOI - 03.05.2020 4.41% Repo

Union Bank of India CD - 07.10.2010 1.66% Fixed Deposit

Kotak Mahindra Prime Ltd CP - 15.02.11 0.87% 70%

6.85% SIDBI - 29.06.2013 0.86% 60%

8.45% PFC - 15.10.2014 0.84% 50%

8.23% Sundaram Finance - 27.07.12 0.83% 40%

23.97% 28.26% 25.12%

Others 28.56% 10%

<1 Year 1-3 Years 3-7 Years 7 Years & Above

Performance Meter Guaranteed Benchmark Assets Under Management (in ` Lakhs)

Debt Portfolio % to Fund Debt Ratings Profile

7.80% GOI - 03.05.2020 5.96% P1+

8.90% SAIL - 01.05.2019 1.13% 70%

9.10% EXIM - 03.12.2010 1.13% 60%