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An ICICI Prudential Life Insurance Company Publication New
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CEO Speak
Up Close
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11...
Care to Share
Know more about the Tax
Benefits of Health Insurance
Market Overview
Secure your future. Latest market movements
Plan early
With the beginning of 2008, ICICI Prudential Life yet again its kind SMS facility for you. Through a simple SMS you
commits itself towards making this year a healthy and a can now know all the details of your policy and also pay
With the New Year comes the ‘New Ensure’ in its all new look - Over the last few months, ICICI Prudential Life's assets held
more contemporary and designed to be even more reader- crossed the Rs. 28,000 crore mark, enabling us to maintain our
research has brought out various insights into your life With the New Year setting in, we are confident that we will
insurance needs and requirements. In order to fulfill some of continue to not only set new trends in the industry, but also
these needs we have launched some very unique products introduce unique products and services to meet your life
Our latest retirement solution, LifeStage Pension, comes to Do write in to tell us how you enjoyed reading the new-look
for you.
technology by all our customers, we have launched the first of Shikha Sharma
3
UP CLOSE
Your Retirement Number is the amount you would need, to live a To help you achieve your investment goals, we present to you,
good life when you are no longer working. And to do that, you LifeStage Pension. The most distinguishing feature of this policy
need to start planning right. is that it has no premium allocation charge for regular premiums.
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When is the right time to start saving for This means that 100% of your money is invested. What's more,
the policy also provides you with a unique lifecycle-based
retirement?
strategy that continuously re-distributes your money across
Remember, the longer you stay invested, the richer you retire! various asset classes based on your life stage and risk tolerance,
The earlier you start saving, the lower the amount to be eventually providing you with the customized retirement
contributed, to earn a specific retirement kitty. solution.
With the power of compounding, money invested earlier has Please refer to the Product Update section of this newsletter for
more time to grow. more details on the product.
4
PRODUCT UPDATE
With LifeStage Pension, you have the option to choose from two
unique portfolio strategies:
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Key features of this strategy
5
PRODUCT UPDATE
If you prefer to allocate your investments into different classes (Open market option)
based on your personal judgment, then you can opt for the Fixed At the time of vesting, this option enables you to buy a pension
Portfolio Strategy. You have six funds to allocate your investment. from a life insurer of your choice. You have the freedom to take the
They are Pension Flexi Growth, Pension Maximiser, Pension Flexi best offer available in the market.
Balanced, Pension Balancer, Pension Protector and Pension
Preserver. You can switch your funds between any of these six U
Commutation of Pension Fund
funds You have the option of receiving a lump sum amount up to 1/3rd
of the total fund value, tax-free on the vesting date.
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Benefits in general
following five options: section 80 CCC, 10(10A) of the Income Tax Act, 1961. Service
tax and education cess will be charged extra by cancellation
• Life annuity
of units, as per applicable rates. The tax laws are subject to
• Life annuity with return of purchase price
amendments from time to time
• Life annuity guaranteed for 5/10/15 years & life thereafter
• Joint life, last survivor without return of purchase price • Commutation of pension (1/3rd of maturity value) on vesting
• Joint life, last survivor with return of purchase price date is tax free under section 10(10A) of the Income Tax Act,
1961, amount received on surrender, as pension is taxable
as income.
6
COMPANY SHOWCASE
3. Enter the verification details required and click on It's time you moved on to an easy and convenient mode of
Submit. fund transfer - over phone or through our website. The fund
transfer facility is applicable between any two existing funds.
Your E-PIN will be mailed to you at the email ID you wish
to be mailed to. So avail of this facility right away! Follow three simple steps:
With this service, premium payment now becomes convenient, them as documents whenever you wish.
7
COMPANY SHOWCASE
Now you can pay your premiums anytime, anywhere - with an Being a valued cusomer of ICICI Prudential, you can access your
SMS! Currently available for all Airtel users, you can pay through policy information anytime, from anywhere! Be it your policy
your Master/Visa Card issued by any bank. status, insights on NAVs or updating your contact details, SMS
Helpline will help you access your policy over the phone!
All you have to do is:
PST - Status of your policy
• Register your Airtel mobile number and Credit Card details
To get a status of your policy or to know the next premium
(card no, expiry date and CVV number) by sending an SMS
due date:
“Mchek” to 121 or 56767. You can also register online by
visiting the www.mchek.com. 1. Type PST with your 8-digit policy number
• Choose a 4 digit PIN which would serve as your security code 2. Send it to 56767.
for making payments E.g. Type PST 00234567 and send it to 56767.
• You would receive a confirmation SMS on successfully NAV - for fund value of a ULIP policy
completing the registration process on the same mobile
To know about the NAV or the total fund value of your ULIP
number
policy:
• Once registered, you can make payments by sending an SMS
1. Type NAV with your 8-digit policy number
“ Mchek <8-digit policy no.> <premium amount>” to 56767
2. Send it to 56767.
• Transaction status will be forwarded to the same mobile
number used for the transaction and you would get the next E.g. Type NAV 00234567 and send it to 56767.
working day’s NAV*. (* applicable only for Unit Linked REG - for mobile number registration
policies)
To register your mobile number:
2. Send it to 56767.
1. Type SRV
2. Send it to 56767.
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CARE TO SHARE
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But do you know that you can still add to your
tax savings, to the tune of Rs.5098?
Wondering how? Read further, to maximise your tax savings from
all angles.
ICICI Prudential brings you a plethora of fixed benefit health providing you protection against death and disability.
insurance plans that cover you for various health related needs,
The premium paid for Crisis Cover is eligible for deduction under
along with an opportunity to avail of tax benefits under Section 80D
Section 80C & 80D*
of the Income Tax Act. Some of our health insurance offerings are:
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Critical illness insurance plans * The overall limit of deduction for investment u/s 80C & 80D of the Income
Crisis Cover is one of the most advanced long-term critical Tax Act, 1961 are Rs. 1,00,000 & Rs. 15,000 respectively, subject to
conditions mentioned therein.
illnesses insurance plans, covering the widest range of critical
illnesses (it provides cover against 35 critical illnesses) while
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Hospital and surgical benefit plans
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CARE TO SHARE
• Daily Hospitalisation Cash Benefit (DHCB): A fixed daily However, we appreciate that some customers may not want to be
benefit provided for every day you are in hospital. contacted over the phone or email for our marketing activities.
• Intensive Care Unit (ICU) Benefit: An additional 50% of the
DHCB benefit is provided if one is admitted to an ICU.
NDNC
• Recuperating Benefit: A post-hospitalisation benefit amount
The Telecom Regulatory Authority of India (TRAI) has
in addition to all other amounts will be paid, to ensure follow
up tests, medicines and consultation go ahead as planned. established a National Do Not Call (NDNC) Registry for
registering the numbers of clients who do not wish to be
• Surgery Benefit: In addition to the above hospitalisation
contacted. This registry has been set up to address the
expenses, a fixed lump sum amount is paid for more than 900
privacy needs of citizens who do not wish to receive
surgical procedures.
unsolicited commercial communication. This registry
The premium paid for Hospital Care is eligible for deduction
is committed to putting a stop to Unsolicited Commercial
under Section 80D of the Income Tax Act.
Communication (UCC) from all sources.
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How to register for NDNC
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Specialised critical Illness insurance plans
As a Mobile / Landline subscriber who does not wish to receive
1. Diabetes Care is a specialized plan offered to only Type 2
telemarketing calls, you will have to include your telephone
diabetics and pre-diabetics; which covers them against 6
number in the NDNC Register. Your request must be made
critical illnesses while offering a medical monitoring and
through your telecom service provider (MTNL, BSNL, Vodafone,
wellness program to manage their diabetic condition.
Airtel, etc).
The premium paid for Diabetes Care is eligible for deduction
under Section 80D of the Income Tax Act. Your telecom service provider will accept your request free of
cost and acknowledge it within 10 days. Thereafter, it will become
2. Cancer Care is a plan specifically designed to offer a cover
effective in 45 days from the date of request.
against the unfortunate event of being diagnosed with Cancer.
The policy offers a lumpsum benefit at various stages of cancer. Before making calls, all telemarketers would have to run their
The premium paid for Cancer Care is eligible for deduction database past this NDNC list to exclude the numbers that should
under Section 80D of the Income Tax Act. not be called.
Thus, health insurance is an ideal combination of complete You can also visit:
protection and financial planning.
http://ndncregistry.gov.in/ndncregistry/index.jsp to know more.
Make a smart choice. Choose from ICICI Prudential's wide range
If you want to block UCC only from ICICI Prudential, then you can
of health products – products that not only suit your need but also
also get in touch with our Call Center, branch or write to us at
maximize your tax savings.
lifeline@iciciprulife.com
10
MARKET OVERVIEW
Mr. Puneet Nanda - Chief Investment Officer, ICICI Prudential Life Insurance Company Limited.
Fixed Income towards the end of the month. The benchmark 10-year
government security fell by 0.12% on renewed buying by traders
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Macro Factors
and nationalized banks. Call rates were in the 6.75 – 7.75% range.
Government security and corporate bond yields fell across The Indian rupee appreciated in the previous month to close
maturities due to an improvement in the liquidity situation. The at Rs. 39.42 against the US dollar. Overall market sentiment
month of November saw RBI infusing on an average Rs. 15,000 – improved for debt markets, based on strong global factors.
20,000 crore into the banking system. This situation improved
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Global Events
Globally, interest rates fell with the Federal Reserve cutting their
benchmark Fed fund rate by 0.25% to 4.25% and Bank of England
cutting their benchmark rate by 0.25% to 5.50%. The Central Bank
of Canada too cut its benchmark rate by 0.25% to 4.25%. But
inflation continued to remain an area of concern for all central
banks. Internationally, crude oil price rose to $98 / bbl on the
back of dwindling reserves in the US and political tension in the
Middle East.
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Outlook
11
MARKET OVERVIEW
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Outlook
Equity In the short-term, the markets could remain volatile in a narrow
band with strong domestic fund flows creating demand, and large
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Market Review and Fund Flows
IPO pipeline providing supply. Over medium-term, factors such
The market ended the month strongly up, with nearly 7% returns,
as corporate performance and interest rates are the most
recouping the small losses observed during the month of
important drivers for the market. Our medium-term and long-term
November. More importantly, the smaller and mid-cap indices
views are that growth will sustain and interest rates will soften
outperformed the narrower indices which have large caps,
making us retain our positive long-term opinion on the equities.
continuing the trend of the last few months. In other words, the
momentum in the market had much wider breadth than in earlier Key Message
moves. The capital inflows from foreigners which had turned
The investor should always guard against complacency and
negative in the month of November once again reported positive
getting influenced by short-term performance of asset
numbers, in excess of USD1bn for the month of December,
markets. The fact remains that asset allocation is the single
surprising everybody. The local funds also were significant
biggest determinant of long-term returns. An investor should
buyers, aided by mopped corpuses of some recent NFOs, during
determine an appropriate asset mix based on risk profile,
the month of December, adding to the liquidity-led surge.
financial goals and investment horizon and invest accordingly.
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Earnings and Valuation It's an ongoing process and one should continuously review
the portfolio at regular intervals to rebalance it in line with
The corporate performance for the first half of the year was
chosen long term asset allocation. A disciplined, asset
robust, with more than 25% growth in net income in the Sensex
allocation based investment strategy is key to successfully
group of companies. The momentum in banking and capital
meeting long-term financial goals.
goods sectors is driving the aggregate growth numbers. We
12
PERFORMANCE OF FUNDS
Performance Summary as on December 31, 2007
Scheme Performance Annualised Return Inception Date
(1 year) (Since Inception)
Preserver 9.06% 6.71% 17-May-04
Protector 8.92% 8.15% 16-Nov-01
Balancer 24.42% 19.15% 16-Nov-01
Maximiser 49.24% 37.05% 16-Nov-01
Pension Preserver 9.40% 6.65% 17-May-04
Pension Protector 8.96% 6.88% 31-May-02
Pension Balancer 23.41% 19.77% 31-May-02
Pension Maximiser 48.96% 41.30% 31-May-02
Investshield Cash 9.38% 6.58% 3-Jan-05
Investshield Life 20.68% 16.69% 3-Jan-05
Investshield Pension 21.30% 17.01% 3-Jan-05
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PORTFOLIO DETAILS as on December 31, 2007
BALANCER Fund Objective: To generate a good mix of long-term capital appreciation along with current income through investment in equity as well
as fixed income instruments in appropriate proportions depending on market conditions prevalent from time to time.
Rating Profile (as % of Debt) Company % Net Assets Industry Total Company % Net Assets Industry Total
CAPITAL GOODS & INFRASTRUCTURE 9.59% STATE BANK OF INDIA AAA 1.15%
LARSEN & TOUBRO 4.15% IRFC AAA 1.12%
BHARAT HEAVY ELECTRICALS 3.49% CITICORP MARUTI FINANCE AAA 1.02%
EMCO 0.50% GE MONEY FINANCIAL SERVICES AAA 0.91%
Short Term
Securities - P1+ Corp Bonds - AA & ABB 0.46% GE CAPITAL SERVICES AAA 0.82%
and Equivalent, eq., 4.57% BHARAT EARTH MOVERS 0.41% CITICORP FINANCE INDIA AAA 0.49%
4.62% Corp Bonds - AAA & MADHUCON PROJECTS 0.31% RABO INDIA FINANCE AAA 0.36%
Corp Bonds - AA+ eq., 32.43%
CUMMINS INDIA 0.27% ICICI BANK AAA 0.26%
& eq., 7.82%
PGC PTC AAA 0.22%
Call / Current FINANCE 8.45%
TATA SONS AAA 0.21%
Assets, 6.76% HDFC BANK 3.45%
ICICI SECURITIES AAA 0.13%
AXIS BANK 2.90%
RELIANCE INDUSTRIES AAA 0.12%
STATE BANK OF INDIA 1.01%
Government ICICI BANK PTC AAA 0.08%
PUNJAB NATIONAL BANK 0.98%
Securities, 16.94% STATE BANK OF PATIALA AAA 0.05%
Deposits with INDIA INFOLINE 0.11%
POWER GRID CORPORATION AAA 0.02%
Banks, 26.87% HDFC 0.00%
SUNDARAM FINANCE AA+ 1.64%
CHEMICALS 4.62% TML FINANCIAL SERVICES AA+ 0.58%
RELIANCE INDUSTRIES 4.62% AXIS BANK AA+ 0.53%
IDBI AA+ 0.43%
TELECOM & MEDIA 3.84% TATA TEA AA+ 0.37%
BHARTI AIRTEL 3.07% MAHINDRA & MAHINDRA FINANCE AA+ 0.37%
ZEE ENTERTAINMENT ENTERPRISES 0.63% L&T FINANCE AA+ 0.30%
DISH TV INDIA 0.10% INDIAN HOTELS COMPANY AA+ 0.27%
WIRE AND WIRELESS INDIA 0.05% FINOLEX CABLES AA+ 0.11%
Sector Allocation (as % of Equity)
BAJAJ AUTO FINANCE AA+ 0.08%
SOFTWARE 3.60%
ULTRATECH CEMENT AA+ 0.07%
SATYAM COMPUTERS 1.77%
COLAMANDALAM DBS FINANCE AA 1.43%
POWER 0.84% INFOSYS TECHNOLOGIES 1.64%
KOTAK MAHINDRA PRIME AA 1.05%
TATA CONSULTANCY SERVICES 0.12%
OTHERS 0.96% SHRIRAM TRANSPORT FINANCE COMPANY AA 0.29%
KPIT CUMMINS INFOSYSTEM 0.07%
SHIPPING 1.20% YES BANK A1+ 0.35%
WIPRO 0.00%
IDFC A1+ 0.25%
OIL & GAS 1.99%
FMCG 2.62% TATA SONS A1+ 0.21%
CEMENT & 2.34%
CONGLOMERATES ITC 1.37% IDBI A1+ 0.10%
METALS 2.79% DABUR INDIA 0.49% AXIS BANK P1+ 0.40%
HINDUSTAN LEVER 0.49% POWER FINANCE CORPORATION P1+ 0.36%
AUTO 6.40%
ASIAN PAINTS 0.15% COLAMANDALAM DBS FINANCE P1+ 0.32%
FMCG 6.68% ICI INDIA 0.06% STANDARD CHARTERED INVEST & LOANS P1+ 0.24%
SOFTWARE 9.18% PROCTER & GAMBLE HYGIENE & HEALTH CARE 0.05% UNION BANK OF INDIA P1+ 0.22%
SUNDARAM FINANCE P1+ 0.14%
TELECOM & MEDIA 9.80% AUTO 2.51% CITIBANK P1+ 0.12%
CHEMICALS 11.79% MAHINDRA & MAHINDRA 1.72% ALLAHABAD BANK P1+ 0.11%
MARUTI UDYOG 0.32%
FINANCE 21.55%
TVS MOTOR COMPANY 0.26% Total 30.06%
CAPITAL GOODS & 24.47%
INFRASTRUCTURE HERO HONDA MOTORS 0.21%
28% GOVERNMENT SECURITIES RATING % Net Assets
0% 4% 8% 12% 16% 20% 24% METALS 1.09%
8.33% GOI 2036 Sovereign 3.42%
HINDALCO INDUSTRIES 0.60%
7.99% GOI 2017 Sovereign 3.34%
STEEL AUTHORITY OF INDIA 0.25%
7.95% GOI 2032 Sovereign 1.53%
STERLITE INDUSTRIES (INDIA) 0.25%
8.20% GOI 2022 Sovereign 1.49%
CEMENT & CONGLOMERATES 0.92% 8.40% ANDHRA PRADESH GS 2017 Sovereign 0.25%
AMBUJA CEMENTS 0.39% 8.20% GOI (OIL) 2024 Sovereign 0.07%
ASSOCIATED CEMENT COMPANIES 0.37% 11.40% GOI 2008 Sovereign 0.06%
SHREE CEMENT 0.16% 8.03% GOI FCI 2024 Sovereign 0.06%
6.96% GOI (OIL) 2009 Sovereign 0.04%
OIL & GAS 0.78% 7.59% GOI 2016 Sovereign 0.03%
OIL & NATURAL GAS CORPORATION 0.43% 7.49% GOI 2017 Sovereign 0.01%
INDIAN OIL CORPORATION 0.35% 8.39% TAMILNADU GS 2017 Sovereign 0.01%
7.99% GOI 2012 Sovereign 0.00%
SHIPPING 0.47%
8.40% GOI OIL BOND 2026 Sovereign 0.00%
ABG SHIPYARD 0.47%
8.07% GOI 2017 Sovereign 0.00%
OTHERS 0.38% 11.85% ANDHRA PRADESH 2009 Sovereign 0.00%
JAIN IRRIGATION SYSTEMS 0.29% 11.85% KARNATAKA 2009 Sovereign 0.00%
GOKALDAS EXPORTS 0.09% 12.25% GOI 2008 Sovereign 0.00%
7.00% GOI 2009 Sovereign 0.00%
POWER 0.33%
KALPATARU POWER TRANSMISSION 0.33% Total 10.30%
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PORTFOLIO DETAILS as on December 31, 2007
PROTECTOR Fund Objective: To generate a steady stream of income through investment in various fixed income securities. We would seek to
generate adequate capital appreciation as well while maintaining suitable balance between returns, safety and liquidity
Rating Profile (as % of Debt) Company % Net Assets Industry Total Company % Net Assets Industry Total
DEBENTURES / BONDS RATING % Net Assets GOVERNMENT SECURITIES RATING % Net Assets
NABARD AAA 5.29%
8.33% GOI 2036 Sovereign 6.00%
LIC HOUSING FINANCE AAA 4.11%
7.99% GOI 2017 Sovereign 5.66%
Corp Bonds - AA & eq., HDFC AAA 3.62%
7.95% GOI 2032 Sovereign 2.67%
3.56% POWER FINANCE CORPORATION AAA 3.54%
Call / Current Assets, 8.20% GOI 2022 Sovereign 2.45%
Short Term Securities - STATE BANK OF INDIA AAA 2.35%
6.28% 8.40% ANDHRA PRADESH GS 2017 Sovereign 0.29%
P1 and Equivalent, 0.19% IDFC AAA 2.23%
Short Term Securities -
P1+ and Equivalent, 8.03% GOI FCI 2024 Sovereign 0.14%
Corp Bonds - AAA & eq., IRFC AAA 2.05%
3.92% 35.23% 8.20% GOI (OIL) 2024 Sovereign 0.11%
EXIM BANK AAA 2.01%
GE MONEY FINANCIAL SERVICES AAA 1.65% Total 17.33%
Corp Bonds - CITIFINANCIAL CONSUMER FINANCE INDIA AAA 1.58%
AA+ & eq., GE CAPITAL SERVICES AAA 1.57% Deposits with Banks 24.57%
8.91%
CITICORP FINANCE INDIA AAA 1.21%
Accrued Interest / Cash / Call /
ICICI BANK AAA 0.96%
Money at Short Notice / Loans /
Government Securities, PGC PTC AAA 0.55%
Deposits with Banks, Other Net Current Assets 6.28%
17.33% RABO INDIA FINANCE AAA 0.54%
24.57%
RELIANCE INDUSTRIES AAA 0.51% 100.00%
ICICI SECURITIES AAA 0.41%
CITICORP MARUTI FINANCE AAA 0.40% Assets Held (Rs. Million) 10540.19
Total 51.81%
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PORTFOLIO DETAILS as on December 31, 2007
MAXIMISER Fund Objective: To generate long-term capital appreciation through investment primarily in equity and equity-related instruments.
Sector Allocation (as % of Equity) Company % Net Assets Industry Total Company % Net Assets Industry Total
CHEMICALS 11.98%
RELIANCE INDUSTRIES 11.77%
TATA CHEMICALS 0.20%
SOFTWARE 9.43%
INFOSYS TECHNOLOGIES 4.32%
SATYAM COMPUTERS 4.23%
TATA CONSULTANCY SERVICES 0.48%
KPIT CUMMINS INFOSYSTEM 0.26%
WIPRO 0.08%
HCL INFOSYSTEM 0.05%
FMCG 6.35%
ITC 3.56%
DABUR INDIA 1.31%
HINDUSTAN LEVER 1.04%
PROCTER & GAMBLE HYGIENE & HEALTH CARE 0.23%
ASIAN PAINTS 0.13%
ICI INDIA 0.08%
AUTO 5.43%
MAHINDRA & MAHINDRA 3.68%
MARUTI UDYOG 0.94%
HERO HONDA MOTORS 0.48%
TVS MOTOR COMPANY 0.34%
METALS 5.20%
STEEL AUTHORITY OF INDIA 2.15%
STERLITE INDUSTRIES (INDIA) 1.34%
HINDALCO INDUSTRIES 1.10%
TATA STEEL 0.62%
POWER 0.84%
KALPATARU POWER TRANSMISSION 0.52%
RELIANCE ENERGY 0.32%
OTHERS 0.74%
JAIN IRRIGATION SYSTEMS 0.62%
GOKALDAS EXPORTS 0.12%
SHIPPING 0.61%
ABG SHIPYARD 0.61%
PHARMACEUTICALS 0.13%
DR. REDDYS LABORATORIES 0.13%
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PORTFOLIO DETAILS as on December 31, 2007
PRESERVER Fund Objective: To provide suitable returns through low risk investments in debt and money market instruments while attempting to
protect the capital deployed in the fund.
Rating Profile (as % of Debt) Maturity Profile Company % Net Assets Industry Total
Total 56.95%
100.00%
Fund Objective: To generate a good mix of long-term capital appreciation along with current income through investment in equity as well
PENSION PRESERVER as fixed income instruments in appropriate proportions depending on market conditions prevalent from time to time.
Rating Profile (as % of Debt) Maturity Profile Company % Net Assets Industry Total
Total 57.57%
100.00%
17
PORTFOLIO DETAILS as on December 31, 2007
PENSION BALANCER Fund Objective: To provide a balanced investment between long-term capital appreciation and current income through investment in
equity as well as fixed income instruments in appropriate proportions depending on market conditions prevalent from time to time.
Rating Profile (as % of Debt) Company % Net Assets Industry Total Company % Net Assets Industry Total
IT 0.29%
FIRSTSOURCE SOLUTIONS 0.29%
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PORTFOLIO DETAILS as on December 31, 2007
PENSION PROTECTOR Fund Objective: To provide accumulation of income through investment in various fixed income securities. The Plan seeks to provide
capital appreciation while maintaining suitable balance between return, safety and liquidity.
Rating Profile (as % of Debt) Company % Net Assets Industry Total Company % Net Assets Industry Total
DEBENTURES / BONDS RATING % Net Assets GOVERNMENT SECURITIES RATING % Net Assets
HDFC AAA 4.66%
8.33% GOI 2036 Sovereign 5.89%
Short Term Securities - POWER FINANCE CORPORATION AAA 3.37%
P1+ and Equivalent, 7.99% GOI 2017 Sovereign 5.70%
LIC HOUSING FINANCE AAA 3.15%
4.57% 7.95% GOI 2032 Sovereign 2.65%
NABARD AAA 2.80%
Corp Bonds - AA & eq., 8.20% GOI 2022 Sovereign 2.47%
Call / Current Assets, 4.18% IDFC AAA 2.48%
6.95% 8.40% ANDHRA PRADESH GS 2017 Sovereign 0.31%
Corp Bonds - AAA & eq., EXIM BANK AAA 2.15%
30.97% 11.40% GOI 2008 Sovereign 0.16%
CITIFINANCIAL CONSUMER FINANCE INDIA AAA 1.96%
Corp Bonds - AA+ & eq., 8.20% GOI (OIL) 2024 Sovereign 0.11%
9.55% IRFC AAA 1.66%
8.03% GOI FCI 2024 Sovereign 0.02%
STATE BANK OF INDIA AAA 1.57%
GE MONEY FINANCIAL SERVICES AAA 1.46% Total 17.31%
GE CAPITAL SERVICES AAA 1.20%
CITICORP FINANCE INDIA AAA 1.03% Deposits with Banks 26.47%
ICICI BANK AAA 0.80%
Accrued Interest / Cash / Call /
Government Securities, RABO INDIA FINANCE AAA 0.63%
Money at Short Notice / Loans /
17.31% Deposits with Banks, RELIANCE INDUSTRIES AAA 0.55%
26.47% Other Net Current Assets 6.95%
PGC PTC AAA 0.54%
TATA SONS AAA 0.39% 100.00%
ICICI SECURITIES AAA 0.21%
CITICORP MARUTI FINANCE AAA 0.21% Assets Held (Rs. Million) 3553.98
Total 49.27%
19
PORTFOLIO DETAILS as on December 31, 2007
PENSION MAXIMISER Fund Objective: To provide long-term capital appreciation through investments primarily in equity and equity-related instruments.
Sector Allocation (as % of Equity) Company % Net Assets Industry Total Company % Net Assets Industry Total
CAPITAL GOODS & INFRASTRUCTURE 20.46% BGR ENERGY SYSTEM LTD. 0.02%
IT 0.50%
LARSEN & TOUBRO 8.03%
OTHERS 0.87%
OTHERS 0.89% BHARAT HEAVY ELECTRICALS 7.83%
INDIAN HOTELS COMPANY 0.56%
POWER 1.50% EMCO 0.97%
SHIPPING 1.52% GOKALDAS EXPORTS 0.32%
KIRLOSKAR BROTHERS 0.90%
OIL & GAS 2.55%
CEMENT &
CUMMINS INDIA 0.72% IT 0.49%
CONGLOMERATES
3.84%
MADHUCON PROJECTS 0.65% FIRSTSOURCE SOLUTIONS 0.49%
AUTO 5.33%
FMCG 6.00% ABB 0.62%
METALS 6.69% BHARAT EARTH MOVERS 0.26% Total 97.68%
TELECOM & MEDIA 7.82% VOLTAS 0.21%
SOFTWARE 9.09%
Money at Short Notice /
MUNDRA PORT AND SPECIAL
CHEMICALS 12.61% Other Net Current Assets 2.32%
ECONOMIC ZONE 0.16%
FINANCE 20.70%
CAPITAL GOODS &
20.95%
MAYTAS INFRA 0.12% 100.00%
INFRASTRUCTURE
0% 4% 8% 12% 16% 20% 24% FINANCE 20.21% Assets Held (Rs. Million) 25066.34
HDFC BANK 7.75%
AXIS BANK 7.24%
STATE BANK OF INDIA 2.54%
HDFC 1.38%
PUNJAB NATIONAL BANK 1.31%
CHEMICALS 12.32%
RELIANCE INDUSTRIES 12.14%
TATA CHEMICALS 0.17%
SOFTWARE 8.88%
INFOSYS TECHNOLOGIES 3.66%
SATYAM COMPUTERS 3.47%
WIPRO 0.55%
KPIT CUMMINS INFOSYSTEM 0.45%
TATA CONSULTANCY SERVICES 0.38%
INFOTECH ENTERPRISES 0.28%
HCL INFOSYSTEM 0.10%
METALS 6.54%
STEEL AUTHORITY OF INDIA 1.45%
STERLITE INDUSTRIES (INDIA) 1.42%
ESS DEE ALUMINIUM 1.16%
MAN INDUSTRIES INDIA 0.95%
HINDALCO INDUSTRIES 0.68%
TATA STEEL 0.57%
AIA ENGINEERING 0.17%
JINDAL STAINLESS 0.13%
FMCG 5.86%
ITC 3.05%
DABUR INDIA 1.23%
ICI INDIA 0.93%
HINDUSTAN LEVER 0.49%
PROCTER & GAMBLE HYGIENE &
HEALTH CARE 0.15%
AUTO 5.21%
MAHINDRA & MAHINDRA 3.09%
MARUTI UDYOG 1.05%
HERO HONDA MOTORS 0.81%
TVS MOTOR COMPANY 0.26%
SHIPPING 1.48%
GREAT EASTERN SHIPPING COMPANY 0.75%
ABG SHIPYARD 0.49%
ALLCARGO GLOBAL LOGISTICS 0.25%
POWER 1.47%
RELIANCE ENERGY 1.45%
20
PORTFOLIO DETAILS as on December 31, 2007
Fund Objective: The investment objective of this fund is to provide accumulation of income through investment in various fixed income
CASH PLUS securities. In addition to protecting the capital, the fund seeks to provide capital appreciation while maintaining suitable balance between
return, safety and liquidity.
Total 57.09%
21
PORTFOLIO DETAILS as on December 31, 2007
Fund Objective: The investment objective of this Plan is to provide a balanced investment between long-term capital appreciation and
INVEST SHIELD LIFE current income while protecting the capital. Investment will be in fixed income instruments as well as equity in appropriate proportions
depending on market conditions prevalent from time to time.
Rating Profile (as % of Debt) Company % Net Assets Industry Total Company % Net Assets Industry Total
CAPITAL GOODS & INFRASTRUCTURE 7.68% CITIFINANCIAL CONSUMER FINANCE INDIA AAA 1.36%
BHARAT HEAVY ELECTRICALS 2.29% IRFC AAA 1.20%
LARSEN & TOUBRO 2.13% GE MONEY FINANCIAL SERVICES AAA 1.12%
Short Term Securities - Corp Bonds - AA & eq., MADHUCON PROJECTS 0.88%
P1+ and Equivalent, ICICI SECURITIES AAA 0.85%
3.48%
4.54% EMCO 0.83% GE CAPITAL SERVICES AAA 0.77%
Corp Bonds - AAA &
Corp Bonds - AA+ & eq., 34.50% CUMMINS INDIA 0.75% RABO INDIA FINANCE AAA 0.29%
eq., 7.84% KIRLOSKAR BROTHERS 0.40% TATA SONS AAA 0.17%
ABB 0.15% ICICI BANK AAA 0.16%
Call / Current Assets,
MOTHERSON SUMI SYSTEMS 0.10% RELIANCE INDUSTRIES AAA 0.07%
13.21%
MAYTAS INFRA 0.09% POWER GRID CORPORATION AAA 0.07%
BHARAT EARTH MOVERS 0.06% SUNDARAM FINANCE AA+ 2.60%
AXIS BANK AA+ 0.79%
FINANCE 4.88%
TML FINANCIAL SERVICES AA+ 0.54%
AXIS BANK 2.35%
TATA TEA AA+ 0.42%
Government Securities, Deposits with Banks, STATE BANK OF INDIA 1.46%
16.80% 19.62% INDIAN HOTELS COMPANY AA+ 0.34%
HDFC BANK 0.71%
L&T FINANCE AA+ 0.27%
HDFC 0.25%
MAHINDRA & MAHINDRA FINANCE AA+ 0.23%
PUNJAB NATIONAL BANK 0.12%
FINOLEX CABLES AA+ 0.22%
SOFTWARE 3.91% IDBI AA+ 0.18%
INFOSYS TECHNOLOGIES 1.33% BAJAJ AUTO FINANCE AA+ 0.07%
SATYAM COMPUTERS 0.96% COLAMANDALAM DBS FINANCE AA 1.40%
Sector Allocation (as % of Equity)
KPIT CUMMINS INFOSYSTEM 0.75% KOTAK MAHINDRA PRIME AA 0.83%
TATA CONSULTANCY SERVICES 0.41% SHRIRAM TRANSPORT FINANCE COMPANY AA 0.28%
INFOTECH ENTERPRISES 0.38% TATA SONS A1+ 0.42%
OTHERS 0.56%
PATNI COMPUTERS SYSTEM 0.08% IDBI A1+ 0.27%
SHIPPING 2.29%
TELECOM &
AXIS BANK P1+ 0.97%
MEDIA
4.11% CHEMICALS 3.05%
KOTAK MAHINDRA BANK P1+ 0.49%
METALS 4.81% RELIANCE INDUSTRIES 3.05%
COLAMANDALAM DBS FINANCE P1+ 0.38%
POWER 4.85%
FMCG 2.09% UNION BANK OF INDIA P1+ 0.26%
AUTO 6.11%
ICI INDIA 0.65% STANDARD CHARTERED INVEST & LOANS P1+ 0.16%
FMCG 7.46%
NESTLE INDIA 0.52% SUNDARAM FINANCE P1+ 0.12%
CHEMICALS 10.90%
ITC 0.40% CITIBANK P1+ 0.12%
SOFTWARE 13.97%
COLGATE PALMOLIVE (INDIA) 0.29% ALLAHABAD BANK P1+ 0.08%
FINANCE 17.47%
CAPITAL GOODS &
27.46% HINDUSTAN LEVER 0.15%
INFRASTRUCTURE Total 36.29%
PROCTER & GAMBLE HYGIENE &
0% 4% 8% 12% 16% 20% 24% 28% 32%
HEALTH CARE 0.05% GOVERNMENT SECURITIES RATING % Net Assets
DABUR INDIA 0.02%
7.99% GOI 2017 Sovereign 4.03%
AUTO 1.71% 8.33% GOI 2036 Sovereign 4.00%
MAHINDRA & MAHINDRA 1.29% 7.95% GOI 2032 Sovereign 1.82%
OMAX AUTOS 0.26% 8.20% GOI 2022 Sovereign 1.77%
HERO HONDA MOTORS 0.12% 8.40% ANDHRA PRADESH GS 2017 Sovereign 0.27%
TVS MOTOR COMPANY 0.04% 8.39% TAMILNADU GS 2017 Sovereign 0.13%
8.20% GOI (OIL) 2024 Sovereign 0.07%
POWER 1.36%
8.03% GOI FCI 2024 Sovereign 0.01%
VOLTAMP TRANSFORMERS 0.83%
TATA POWER COMPANY 0.52% Total 12.11%
SHIPPING 0.64%
ABG SHIPYARD 0.64%
OTHERS 0.16%
INDIAN HOTELS COMPANY 0.13%
GOKALDAS EXPORTS 0.03%
Total 27.95%
22
PORTFOLIO DETAILS as on December 31, 2007
Fund Objective: The investment objective of this Plan is to provide a balanced investment between long-term capital appreciation and
INVEST SHIELD PENSION current income while protecting the capital. Investment will be in fixed income instruments as well as equity in appropriate proportions
depending on market conditions prevalent from time to time.
Rating Profile (as % of Debt) Company % Net Assets Industry Total Company % Net Assets Industry Total
SHIPPING 0.67%
ABG SHIPYARD 0.67%
OTHERS 0.22%
INDIAN HOTELS COMPANY 0.16%
GOKALDAS EXPORTS 0.06%
Total 27.67%
23
PORTFOLIO DETAILS as on December 31, 2007
Fund Objective: To achieve a balance between capital appreciation and stable returns by investing in a mix of equity and equity related
FLEXI BALANCED instruments of large, mid and small cap companies and debt and debt related instruments
Rating Profile (as % of Debt) Company % Net Assets Industry Total Company % Net Assets Industry Total
Corp Bonds - AA+ & Deposits with Banks, NAGARJUNA CONSTRUCTION COMPANY 0.56% CEMENT & CONGLOMERATES 0.63%
eq., 5.82% Government 10.03% NRB BEARINGS 0.51% ASSOCIATED CEMENT COMPANIES 0.33%
Securities, 16.76% BHARAT EARTH MOVERS 0.25% AMBUJA CEMENTS 0.22%
CONSOLIDATED CONSTRUCTION SHREE CEMENT 0.08%
CONSORTIUM 0.23%
OTHERS 0.28%
GRINDWELL NORTON 0.07%
INDIAN HOTELS COMPANY 0.19%
ELECON ENGINEERING 0.04%
KPR MILLS 0.09%
MAYTAS INFRA 0.03%
Total 59.02%
FINANCE 7.92%
AXIS BANK 2.78% DEBENTURES / BONDS RATING % Net Assets
Sector Allocation (as % of Equity) HDFC BANK 1.76%
IDFC AAA 1.91%
HDFC 1.16%
EXIM BANK AAA 1.63%
STATE BANK OF INDIA 1.08%
GE MONEY FINANCIAL SERVICES AAA 1.55%
OTHERS 0.43% PUNJAB NATIONAL BANK 0.60%
LIC HOUSING FINANCE AAA 1.22%
PHARMACEUTICALS 1.35% HOUSING DEVELOPMENT AND
HDFC AAA 1.17%
AUTO 2.35% INFRASTRUCTURE 0.54%
CEMENT &
NABARD AAA 1.05%
3.06%
CONGLOMERATES SOFTWARE 5.29% IRFC AAA 0.98%
SHIPPING 3.91%
MPHASIS 1.30% STATE BANK OF INDIA AAA 0.75%
TELECOM & MEDIA 3.96%
SATYAM COMPUTERS 1.29% CITIFINANCIAL CONSUMER FINANCE INDIA AAA 0.62%
OIL & GAS 4.01% POWER FINANCE CORPORATION AAA 0.54%
INFOSYS TECHNOLOGIES 0.97%
POWER 5.21% ICICI SECURITIES AAA 0.48%
TATA ELXSI 0.51%
METALS 6.24% GE CAPITAL SERVICES AAA 0.28%
INFOTECH ENTERPRISES 0.45%
CHEMICALS 8.27% ICICI BANK AAA 0.16%
TATA CONSULTANCY SERVICES 0.36%
FMCG 9.39% CITICORP FINANCE INDIA AAA 0.09%
AZTEC SOFTWARE &
SOFTWARE 10.20% CITICORP MARUTI FINANCE AAA 0.06%
TECHNOLOGY SERVICES 0.25%
FINANCE 13.96% KPIT CUMMINS INFOSYSTEM 0.13% TATA SONS AAA 0.03%
CAPITAL GOODS &
INFRASTRUCTURE
27.66% TAKE SOLUTION 0.04% POWER GRID CORPORATION AAA 0.01%
0% 4% 8% 12% 16% 20% 24% 28% 32% SUNDARAM FINANCE AA+ 0.86%
FMCG 5.52%
INDIAN HOTELS COMPANY AA+ 0.48%
NESTLE INDIA 2.69%
AXIS BANK AA+ 0.34%
ITC 1.11%
TML FINANCIAL SERVICES AA+ 0.33%
KANSAI NEROLAC PAINTS 0.72%
TATA TEA AA+ 0.22%
ICI INDIA 0.49%
MAHINDRA & MAHINDRA FINANCE AA+ 0.13%
GLAXOSMITHKLINE CONSUMER HEALTHCARE 0.35%
IDBI AA+ 0.02%
JYOTHY LABORATORIES LIMITED 0.09%
SHRIRAM TRANSPORT FINANCE COMPANY AA 0.32%
DABUR INDIA 0.08%
COLAMANDALAM DBS FINANCE AA 0.24%
CHEMICALS 4.55% TATA SONS A1+ 0.77%
RELIANCE INDUSTRIES 4.48% UNION BANK OF INDIA A1+ 0.54%
TATA CHEMICALS 0.07% ABN AMRO BANK A1+ 0.49%
METALS 4.07% YES BANK A1+ 0.28%
TATA STEEL 0.86% IDBI A1+ 0.18%
MONNET ISPAT & ENERGY 0.86% IDFC A1+ 0.14%
MAN INDUSTRIES INDIA 0.54% COLAMANDALAM DBS FINANCE P1+ 0.51%
JSW STEEL 0.41% KOTAK MAHINDRA BANK P1+ 0.45%
AIA ENGINEERING 0.34% UNION BANK OF INDIA P1+ 0.41%
STERLITE INDUSTRIES (INDIA) 0.32% AXIS BANK P1+ 0.36%
STEEL AUTHORITY OF INDIA 0.31% ALLAHABAD BANK P1+ 0.33%
ESS DEE ALUMINIUM 0.29% CANARA BANK P1+ 0.31%
JINDAL STAINLESS 0.14% POWER FINANCE CORPORATION P1+ 0.26%
STANDARD CHARTERED INVEST & LOANS P1+ 0.14%
OIL & GAS 3.67%
CITIBANK P1+ 0.08%
GAIL (INDIA) 2.13%
SUNDARAM FINANCE P1+ 0.03%
OIL & NATURAL GAS CORPORATION 0.87%
HINDUSTAN PETROLEUM CORPORATION 0.37% Total 20.78%
BHARAT PETROLEUM CORPORATION 0.29% GOVERNMENT SECURITIES RATING % Net Assets
POWER 3.39% 7.99% GOI 2017 Sovereign 2.29%
TATA POWER COMPANY 1.21% 8.33% GOI 2036 Sovereign 2.26%
RELIANCE ENERGY 1.15% 7.95% GOI 2032 Sovereign 1.05%
VOLTAMP TRANSFORMERS 0.70% 8.20% GOI 2022 Sovereign 1.00%
KALPATARU POWER TRANSMISSION 0.28% 8.40% ANDHRA PRADESH GS 2017 Sovereign 0.15%
GVK POWER & INFRASTRUCTURE 0.03% 8.39% TAMILNADU GS 2017 Sovereign 0.07%
TRANSFORMERS AND RECTIFIERS 8.20% GOI (OIL) 2024 Sovereign 0.04%
(INDIA) LIMITED 0.01% 8.03% GOI FCI 2024 Sovereign 0.00%
BGR ENERGY SYSTEM LTD. 0.01%
Total 6.87%
TELECOM & MEDIA 2.35%
Deposits with Banks 4.11%
BHARTI AIRTEL 1.39%
ZEE ENTERTAINMENT ENTERPRISES 0.84% Accrued Interest / Cash / Call /
CINEMAX INDIA 0.12% Money at Short Notice /
Other Net Current Assets 9.22%
SHIPPING 2.28%
GREAT EASTERN SHIPPING COMPANY 1.16% 100.00%
REDINGTON INDIA 0.69%
Assets Held (Rs. Million) 1,049.95
ABG SHIPYARD 0.43%
24
PORTFOLIO DETAILS as on December 31, 2007
FLEXI GROWTH Fund Objective: To generate superior long-term returns from a diversified portfolio of equity and equity related instruments of large, mid
and small cap companies
Sector Allocation (as % of Equity) Company % Net Assets Industry Total Company % Net Assets Industry Total
SOFTWARE 5.93%
SATYAM COMPUTERS 1.84%
INFOSYS TECHNOLOGIES 1.13%
MPHASIS 0.69%
INFOTECH ENTERPRISES 0.61%
TATA CONSULTANCY SERVICES 0.59%
TATA ELXSI 0.41%
AZTEC SOFTWARE &
TECHNOLOGY SERVICES 0.31%
KPIT CUMMINS INFOSYSTEM 0.30%
TAKE SOLUTION 0.05%
POWER 4.25%
TATA POWER COMPANY 1.62%
RELIANCE ENERGY 1.58%
25
PORTFOLIO DETAILS as on December 31, 2007
Fund Objective: To achieve a balance between capital appreciation and stable returns by investing in a mix of equity and equity
PENSION FLEXI BALANCED related instruments of large, mid and small cap companies and debt and debt related instruments.
Rating Profile (as % of Debt) Company % Net Assets Industry Total Company % Net Assets Industry Total
26
PORTFOLIO DETAILS as on December 31, 2007
Fund Objective: To generate superior long-term returns from a diversified portfolio of equity and equity related instruments of large, mid
PENSION FLEXI GROWTH and small cap companies.
Sector Allocation (as % of Equity) Company % Net Assets Industry Total Company % Net Assets Industry Total
SOFTWARE 5.53%
SATYAM COMPUTERS 1.61%
INFOSYS TECHNOLOGIES 1.25%
MPHASIS 0.78%
TATA CONSULTANCY SERVICES 0.62%
INFOTECH ENTERPRISES 0.45%
TATA ELXSI 0.35%
AZTEC SOFTWARE &
TECHNOLOGY SERVICES 0.26%
KPIT CUMMINS INFOSYSTEM 0.18%
TAKE SOLUTION 0.04%
POWER 4.16%
27
CONTACT US Choose to contact us for information and clarifications in any of the following ways:
Call Center Timings: 9.00 A.M. to 9.00 P.M., Monday to Saturday (excluding national holidays)
Location Number Location Number
Andhra Pradesh 98495-77766 Maharashtra (Rest) 98904-47766
Assam 99540-77766 Orissa 99377-77766
Bihar 99313-77766 Punjab 98159-77766
Chattisgarh 98931-27766 Rajasthan 98292-77766
Delhi 98181-77766 Tamil Nadu (Chennai) 98408-77766
Goa 98904-47766 Tamil Nadu (Rest) 98944-77766
Gujarat 98982-77766 Uttaranchal 98973-07766
Haryana (Karnal) 98961-77766 Uttar Pradesh (Kanpur, Lucknow) 99352-77766
Haryana (Faridabad) 98181-77766 Uttar Pradesh 98973-07766
Karnataka 98455-77766 (Agra, Bareilly, Meerut, Varanasi)
Kerala 98954-77766 West Bengal (Kolkata, Howrah) 98313-77766
Madhya Pradesh 98931-27766 West Bengal (Rest) 99330-77766
Maharashtra (Mumbai) 98925-77766
Registered Office: ICICI Prulife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025
Communication Address: ICICI Prudential Life Insurance Company Ltd., Vinod Silk Mills Compound, Chakravarthy Ashok Nagar,
Ashok Road, Kandivali (E), Mumbai 400101
This document ('report') is for general information purposes only and may not apply to everyone. All information/ opinions / comments mentioned herein are subject to change without notice. The Company
(ICICI Prudential Life Insurance Company Limited) does not represent/warrant its accuracy, completeness and correctness. The report should not be relied upon in making decisions, and professional advice
should be obtained for your specific situation. The Company is not liable to update the above report - in full or part. The Company does not take any responsibility for losses or damages incurred due to actions
taken on the basis of this report. This document may not be reproduced, distributed or published, in whole or in part, by any recipient hereof for any purpose without prior permission from the Company.
Unlike traditional products, Unit Linked Insurance Products are subject to market risks which affect the Net Asset Values. The customer shall be responsible for his/her decision. The name of the Company,
Product Names or fund options does not indicate their quality or future guidance on returns. Tax benefits are as per the Income Tax Act, 1961, and are subject to amendments made thereto from time to time.
The NAV is dependent on the performance of the market and may go up or down on the basis of the performance of the investments in the market. Investments are subject to market risks. Past performance is
not indicative of future results. Insurance is the subject matter of the solicitation.(c) 2007 ICICI Prudential Life Insurance Company Limited.