february - canarahsbclife-prd.adobecqms.net

MONTHLY INVESTMENTNEWSLETTER

FEBRUARY

IN LINKED INSURANCE PRODUCTS, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

From the CIO’s Desk Page 3

Unit Linked Equity Fund Page 4

Unit Linked Equity II Fund Page 5

Unit Linked Growth Fund Page 6

Unit Linked Growth II Fund Page 7

Unit Linked Growth Plus Fund Page 8

Unit Linked Balanced Fund Page 9

Unit Linked Balanced II Fund Page 10

Unit Linked Balanced Plus Fund Page 11

Unit Linked Debt Fund Page 12

Unit Linked Debt Plus Fund Page 13

Unit Linked Liquid Fund Page 14

Unit Linked NAV Guarantee Fund Page 15

Unit Linked Pension Growth Fund Page 16

Unit Linked Pension Balanced Fund Page 17

Unit Linked India Multi-cap Equity Fund Page 18

Unit Linked Large Cap Advantage Fund Page 19

UL Emerging Leaders Equity Fund 0

Discontinued Policy Fund Page 21

Pension Discontinued Policy Fund Page 22

Policyholders Unclaimed Fund Page 23

Data Sources: The factual information mentioned above pertaining to market performance has been taken from National Stock Exchange website, CRISIL Customized Bond fund index, Reserve Bank of India and Bloomberg.

Market commentary February 2021 Nifty 50 gained 6% in the month of February in 2021 due to continued earning upgrades by corporate India, despite steep rise in US bond yields along with rising COVID-19 cases in certain states of the country. On the economic front, post unlocking of the economy, up-tick in economic activities continued, Q3FY21 GDP of India expands by 0.4% yoy. Corporate India also reported healthy earning number in Q3 FY21 and there were number of earning upgrades. As vaccination drive is going on across the globe, we expect pandemic situation to improve in the next few months. Foreign Institutions (FII) bought Rs 42,044 crores (approx.) worth of equities in the February month while Domestic Institutions sold Rs 16,358 crores (approx.) worth of equities.

To push the domestic manufacturing agenda, Government of India announced details of Production-linked incentive scheme (PLI) for few more sectors like pharmaceutical, IT hardware (laptops and notebooks). Going forward, PLI schemes are going to be announced for more sectors and it is likely to give substantial thrust to domestic manufacturing and GDP.

On the fixed income side, the Central Government announced budget for FY22 and emphasized more on higher capital expenditure in revised budget for FY21. This would be good for the economy in the long term and also help in the achieving higher sustainable growth without compromising on inflation. The key feature of the budget was bringing in transparency by including off balance sheet expenditure and borrowing to on balance sheet. That is welcome move and is likely to improve the confidence around policy transparency.

For the Fixed Income market perceptive, the higher than expected borrowing for the present FY and the next year lead to G-Sec yields moving up by 15-20 bps. The active intervention of the Reserve Bank of India (RBI) resulted in bringing the yields down but we ended the month at high levels as higher US treasury yield in last week caused panic selling.

In the February, Monetary Policy Committee (MPC), left the policy rates unchanged while committing to maintain its accommodative stance. The RBI in the current fiscal year has done Open market operation (OMO) to the tune of 3 lakh crore and has committed to continue the same or more in the next fiscal year. India grew by 0.4% in Q3, which shows the economy is out of contraction mode and is on the path of swift recovery. Consumer Price Index (CPI) inflation eased significantly from 4.59% in December 2020 to 4.06% in January 2021. Lower CPI will allow the MPC to continue with its accommodative stance and keep policy rates unchanged for the year. However, RBI has started slow normalization of liquidity through variable reverse repo and cash reserve ratio without impacting liquidity. We see it as positively as it allows RBI to infuse liquidity through OMO to help GoI borrowing at lower rates.

Globally, the Fixed Income market has seen a sharp increase in yields with positive news around vaccination and expectations of faster recovery of the economy. The crude prices increased due the supply curb imposed by OPEC and cold wave in US and Europe. Commodity prices have also seen sharp pickup on expectation of faster revival and net imports by China while supply is not increasing as uncertainly about higher growth is keeping producers at bay.

We continue to manage funds with dynamic duration management. We think that current rate cycle is bottomed out while rise may not be as sharp as it was in February as inflation is at 4%. Higher crude price and higher US 10Y yields are risk to our view. Recent rise in number of Covid infections is concerning and may turn into a worry if not controlled quickly. We expect more active RBI in FY22 in order to manage higher government borrowing and yield curve management.

Looking beyond the short term and remaining assured about the quality of your investments is the best strategy. Equities by nature are a volatile asset class and in general, provide higher return than other asset classes in the long term to compensate for the volatility. Long term horizon in equity investments is best suited to maximize the returns.

3

DEVEN SANGOIFROM THE CIO'S DESK

EQUITYFUND The Fund's primary objective is to have high capital appreciation through

investment in equities. To maintain liquidity, the fund will invest in cash and money market instruments.

DATE OF INCEPTIONTH16 JUNE 2008

BENCHMARK: Nifty 50 thFund Performance as on 26 February 2021

98.0%Actual Allocation

616.3AUM^ INRs. Crore

TOTAL100.0%Actual Allocation


0%-40%Money MarketInstruments and Others 60%-100%

Equity and EquityRelated Instruments

^Assets Under Management2.0%Actual Allocation


TOP 10 INDUSTRY SECTOR EXPOSURE (%)

Fund Benchmark

THTOP 10 HOLDING AS ON 26 FEBRUARY 2021 %

CREDIT RATING

PROFILE

100.00%AAA & Equivalent*

100.00%Upto 1 Year

*Includes Gsec, SDL, Tbill, TripartyRepo and Reverse Repo

NUMBEROFFUNDSMANAGED

MATURITYPROFILE

BALWINDER SINGH 4

Equity Fund benchmark is Nifty 50Modified Duration of Debt and Money Market: 0.01 yearsPast performance is not indicative of future performanceThe SFIN for Equity Fund is ULIF00116/06/08EQUITYFUND136

th NAV as on 26 February 2021: Rs. 30.5986

EQUITY-2

DEBT-0

HYBRID-0

OTHERFINANCIAL AND INSURANCE ACTIVITIES

COMPUTER PROGRAMMING, CONSULTANCY AND RELATED ACTIVITIES

MANUFACTURE OF COKE AND REFINED PETROLEUM PRODUCTS

MANUFACTURE OF CHEMICALS AND CHEMICAL PRODUCTS

MANUFACTURE OF MOTOR VEHICLES, TRAILERS AND SEMI-TRAILERS

MANUFACTURE OF BASIC METALS

CIVIL ENGINEERING

MANUFACTURE OF PHARMACEUTICALS, MEDICINAL CHEMICAL AND BOTANICAL PRODUCTS

MANUFACTURE OF OTHER NON-METALLIC MINERAL PRODUCTS

MANUFACTURE OF TOBACCO PRODUCTS

MUTUAL FUND (INCLUDING ETF)

OTHERS

Equity 98.0

Reliance ETF Bank BeES 7.4

Reliance Industries Limited 7.1

Infosys Limited 6.7

Housing Development Finance Corporation Limited 6.2

HDFC Bank Limited 6.0

Kotak Banking ETF 5.8

ICICI Bank Limited 4.1

Larsen & Tourbo Limited 3.9

Tata Consultancy Services Limited 3.3

Bharti Airtel Limited 3.0

Others 44.4

Money Market Instruments & Others 2.0

Total 100.0

23.2

13.0

8.9

5.14.3 4.2 3.9 3.8

2.7 2.7

14.3 13.9

0

5

10

15

20

25

9.2%7.6%

13.0%

19.4%

26.8%

6.5%9.5%

11.5%

16.1%

29.7%27.6%

6.6%

0%

10%

20%

30%

40%

Inception 3 yrs 2 yrs 1 yr 6 M 1 M

EQUITY IIFUND The Fund’s primary objective is to have high capital appreciation through investment

in equities. To maintain liquidity, the Fund will invest in cash and money market instruments.

DATE OF INCEPTIONTH07 JANUARY 2010

BENCHMARK: Nifty 50


2,666.4AUM^ INRs. Crore








OTHERFINANCIAL AND INSURANCE ACTIVITIES




CIVIL ENGINEERING







OTHERS

Fund Benchmark

Equity II Fund benchmark is Nifty 50Modified Duration of Debt and Money Market: 0.01 yearsPast performance is not indicative of future performanceThe SFIN for Equity II Fund is ULIF00607/01/10EQUTYIIFND136



CREDIT RATING

PROFILE


100.00%Upto 1 Year


EQUITY-1

DEBT-0

HYBRID-0

MATURITYPROFILE

DEVEN SANGOI 5


thFund Performance as on 26 February 2021

Equity 97.8



Infosys Limited 7.3








Others 42.9


Total 100.0

23.7

13.4

8.8

5.24.3 3.7 3.7 3.7

2.7 2.2

13.515.0

0

5

10

15

20

25

8.4%6.7%

11.8%

20.3%

27.9%

6.8%9.5%

11.5%

16.1%

29.7%27.6%

6.6%

0%

10%

20%

30%

40%


BENCHMARK: Nifty 50 and CRISIL Composite Bond Fund Index


GROWTHFUND




FUND MANAGER


Fund Benchmark


2.66%AA & Equivalent

0.00%A & Below A

16.36%

17.01%Up to 1 year

More than 1 year and upto 7 years

66.63%Above 7 years

The Fund invests in listed equities and high quality fixed income and money market instruments. The Fund intends to adopt relatively aggressive approach towards bonds and equities with the objective of achieving capital appreciation.

Growth Fund benchmark is 80% Nifty 50 and 20% CRISIL Composite BondFund IndexModified Duration of Debt and Money Market: 5.86 yearsPast performance is not indicative of future performanceThe SFIN for Growth Fund is SFIN:ULIF00216/06/08GROWTHFUND136

0% - 40%Money MarketInstruments and Others


2.1AUM^ INRs. Crore





^Assets Under Management



THTOP 10 HOLDING AS ON 26 FEBRUARY 2021

6

Number of Funds Managed

Equity - 2Debt - 0Hybrid - 6

VIKAS GUPTA ABHISHEK DAS


%

50%-90%Equity and EquityRelated Instruments 10%-50%

Debt and DebtRelated Instruments

FINANCIAL AND INSURANCE ACTIVITIES






CIVIL ENGINEERING





OTHERS

OTHER

CREDIT RATING

PROFILE

MATURITYPROFILE

Equity 82.9


Infosys Limited 7.2








ITC Limited 2.4

Others 35.7

Government Securities 11.5

6.22% Govt. of India (MD 16/03/2035) 1.7

7.57% Govt. of India (MD 17/06/2033) 1.4

5.85% Govt. of India (MD 01/12/2030) 1.4

6.45% Govt. of India (MD 07/10/2029) 1.3

5.15% Govt. of India (MD 09/11/2025) 1.2

7.72% Govt. of India (MD 15/06/2049) 1.0

7.26% Govt. of India (MD 14/01/2029) 0.9

6.78% Maharastra State Dev. Loan (MD 23/09/2032) 0.8

6.19% Govt. of India (MD 16/09/2034) 0.5

7.61% Govt. of India (MD 09/05/2030) 0.5

Others 1.0

Corporate Debt 3.9

9.00% Power Finance Corp. Limited (MD 11/03/2028) 0.9

10.40% Sikka Ports & Terminals Limited (MD 18/07/2021) 0.8


9.75% Rural Electrification Corp. Limited (MD 11/11/2021) 0.7

8.25% The Great Eastern Shipping Company Limited (MD 25/05/2027) 0.4

8.57% India Infradebt Limited (MD 23/06/2026) 0.3


Total 100.0

23.6

13.2

8.0

5.44.5

3.5 2.9 2.4 2.4 2.1

6.8

25.4

0

5

10

15

20

25

30

9.1%

6.4%

11.8%

17.7%

22.2%

5.0%

9.1%10.7%

14.6%

24.8%22.2%

4.9%

0%

10%

20%

30%




GROWTH IIFUND




FUND MANAGER


Fund Benchmark



0.00%A & Below A

8.88%

19.12%Up to 1 year


71.99%Above 7 years


Growth II Fund benchmark is 80% Nifty 50 and 20% CRISIL Composite BondFund IndexModified Duration of Debt and Money Market: 5.73 yearsPast performance is not indicative of future performanceThe SFIN for Growth II Fund is ULIF00707/01/10GROWTIIFND136



3.1AUM^ INRs. Crore











7





%







CIVIL ENGINEERING





OTHERS

OTHER

CREDIT RATING

PROFILE

MATURITYPROFILE

Equity 82.6


Infosys Limited 7.2








ITC Limited 2.4

Others 34.8


6.45% Govt. of India (MD 07/10/2029) 2.5

7.72% Govt. of India (MD 15/06/2049) 1.7

7.57% Govt. of India (MD 17/06/2033) 1.4

7.95% Govt. of India (MD 28/08/2032) 1.4

5.85% Govt. of India (MD 01/12/2030) 1.1

7.26% Govt. of India (MD 14/01/2029) 0.9

7.61% Govt. of India (MD 09/05/2030) 0.7

6.22% Govt. of India (MD 16/03/2035) 0.4

6.90% Govt. of India Oil Bond (MD 04/02/2026) 0.1

7.17% Govt. of India (MD 08/01/2028) 0.1

Others 0.1

Corporate Debt 4.4



8.25% The Great Eastern Shipping Company Limited (MD 25/05/2027) 0.5

8.60% NIIF Infrastructure Finance Limited (MD 25/08/2021) 0.5

8.70% Great Eastern Shipping Co Limited (MD 06/05/2026) 0.4

8.57% India Infradebt Limited (MD 23/06/2026) 0.3



Total 100.0

23.7

13.2

8.0

5.24.4

3.3 2.8 2.4 2.3 2.0

7.2

25.5

0

5

10

15

20

25

30

8.9%6.8%

12.1%

18.2%

22.5%

5.0%

9.1%10.7%

14.6%

24.8%22.2%

4.9%

0%

10%

20%

30%




GROWTHPLUS FUND

DATE OF INCEPTIONTH13 SEPTEMBER 2010



FUND MANAGER


Fund Benchmark



0.00%A & Below A

20.66%

8.26%Up to 1 year


71.08%Above 7 years


Growth Plus Fund benchmark is 80% Nifty 50 and 20% CRISIL Composite Bond Fund IndexModified Duration of Debt and Money Market: 6.27 yearsPast performance is not indicative of future performanceThe SFIN for Growth Plus Fund is ULIF00913/09/10GROWTPLFND136



6.8AUM^ INRs. Crore











8





%







CIVIL ENGINEERING





OTHERS

OTHER

CREDIT RATING

PROFILE

MATURITYPROFILE

Equity 82.7Reliance Industries Limited 7.5Infosys Limited 7.2Reliance ETF Bank BeES 6.6HDFC Bank Limited 6.6Housing Development Finance Corporation Limited 5.9ICICI Bank Limited 4.4Larsen & Tourbo Limited 3.0Tata Consultancy Services Limited 2.8Bharti Airtel Limited 2.5ITC Limited 2.4Others 33.8Government Securities 13.16.45% Govt. of India (MD 07/10/2029) 3.66.22% Govt. of India (MD 16/03/2035) 2.97.57% Govt. of India (MD 17/06/2033) 2.77.17% Govt. of India (MD 08/01/2028) 1.16.78% Maharastra State Dev. Loan (MD 23/09/2032) 0.77.35% Govt. of India (MD 22/06/2024) 0.57.61% Govt. of India (MD 09/05/2030) 0.57.27% Govt. of India (MD 08/04/2026) 0.48.17% Govt. of India (MD 01/12/2044) 0.37.72% Govt. of India (MD 15/06/2049) 0.2Others 0.1Corporate Debt 3.010.25% Sikka Ports & Terminals Limited (MD 22/08/2021) 0.58.60% NIIF Infrastructure Finance Limited (MD 25/08/2021) 0.59.24% LIC Housing Finance Limited (MD 30/09/2024) 0.49.00% Power Finance Corp. Limited (MD 11/03/2028) 0.48.25% The Great Eastern Shipping Company Limited (MD 25/05/2027) 0.39.30% L&T Infra Debt Fund Limited (MD 25/08/2023) 0.210.40% Sikka Ports & Terminals Limited (MD 18/07/2021) 0.28.01% L&T Infra Debt Fund Limited (MD 08/06/2022) 0.18.70% Great Eastern Shipping Co Limited (MD 06/05/2026) 0.18.57% India Infradebt Limited (MD 23/06/2026) 0.1Others 0.2Money Market Instruments & Others 1.2Total 100.0

23.6

13.1

8.2

5.2 4.43.3 3.0 2.4 2.3 2.1

7.2

25.3

0

5

10

15

20

25

30

7.9%6.7%

12.5%

18.8%

22.2%

4.8%

8.9%10.7%

14.6%

24.8%22.2%

4.9%

0%

5%

10%

15%

20%

25%

30%




BALANCED FUND


*Includes Gsec, SDL, Tbill, Triparty Repo and Reverse Repo


FUND MANAGER


Fund Benchmark



0.60%A & Below A

25.01%

15.93%Up to 1 year


59.06%Above 7 years

The Fund adopts a relatively balanced approach towards bonds and equities exposure with the objective of achieving capital appreciation with minimal short-term performance volatility.

Balanced Fund benchmark is 50% Nifty 50 and 50% CRISIL Composite Bond Fund IndexModified Duration of Debt and Money Market: 5.31 yearsPast performance is not indicative of future performanceThe SFIN for Balanced Fund is ULIF00316/06/08BLNCEDFUND136



9.9AUM^ INRs. Crore











9





%







CIVIL ENGINEERING


WATER TRANSPORT


OTHERS

MATURITYPROFILE

CREDIT RATING

PROFILE

Equity 50.8HDFC Bank Limited 4.6Reliance Industries Limited 4.4Infosys Limited 4.1ICICI Bank Limited 3.8Housing Development Finance Corporation Limited 3.3Tata Consultancy Services Limited 2.0Kotak Mahindra Bank Limited 1.9Larsen & Tourbo Limited 1.8Axis Bank Limited 1.6Hindustan Unilever Limited 1.5Others 21.8Government Securities 25.07.57% Govt. of India (MD 17/06/2033) 7.46.22% Govt. of India (MD 16/03/2035) 4.35.15% Govt. of India (MD 09/11/2025) 2.27.72% Govt. of India (MD 15/06/2049) 1.98.83% Govt. of India (MD 12/12/2041) 1.87.26% Govt. of India (MD 14/01/2029) 1.66.45% Govt. of India (MD 07/10/2029) 1.57.35% Govt. of India (MD 22/06/2024) 1.57.17% Govt. of India (MD 08/01/2028) 1.47.27% Govt. of India (MD 08/04/2026) 0.6Others 0.7Corporate Debt 20.59.00% Power Finance Corp. Limited (MD 11/03/2028) 7.79.75% Rural Electrification Corp. Limited (MD 11/11/2021) 2.810.40% Sikka Ports & Terminals Limited (MD 18/07/2021) 2.09.24% LIC Housing Finance Limited (MD 30/09/2024) 1.79.00% Shriram Transport Finance Company Limited (MD 28/03/2028) 1.58.70% Great Eastern Shipping Co Limited (MD 06/05/2026) 1.47.90% Sikka Ports & Terminals Limited (MD 18/11/2026) 1.410.25% Sikka Ports & Terminals Limited (MD 22/08/2021) 0.57.75% India Infradebt Limited (MD 30/08/2022) 0.58.51% India Infradebt Limited (MD 05/05/2026) 0.3Others 0.7Money Market Instruments & Others 3.8Total 100.0

19.6

8.14.9 4.0 2.7 2.1 1.8 1.5 1.4 1.4

52.49

0

10

20

30

40

50

60

9.2%7.5%

11.3%

13.8% 13.6%

2.1%

8.4%9.6%

12.4%

17.5%

14.1%

2.3%

0%2%4%6%8%

10%12%14%16%18%20%




BALANCEDII FUND




FUND MANAGER


Fund Benchmark



0.87%A & Below A

22.36%

18.76%Up to 1 year


58.88%Above 7 years


Balanced II Fund benchmark is 50% Nifty 50 and 50% CRISIL Composite BondFund IndexModified Duration of Debt and Money Market: 5.16 yearsPast performance is not indicative of future performanceThe SFIN for Balanced II Fund is ULIF00807/01/10BLNCDIIFND136














10





%





WATER TRANSPORT



CIVIL ENGINEERING



OTHERS

MATURITYPROFILE

CREDIT RATING

PROFILE

Equity 51.3HDFC Bank Limited 4.7Reliance Industries Limited 4.4Infosys Limited 4.0ICICI Bank Limited 4.0Housing Development Finance Corporation Limited 3.2Larsen & Tourbo Limited 2.0Tata Consultancy Services Limited 2.0Kotak Mahindra Bank Limited 2.0Bharti Airtel Limited 1.6Axis Bank Limited 1.5Others 21.8Government Securities 24.27.57% Govt. of India (MD 17/06/2033) 12.96.22% Govt. of India (MD 16/03/2035) 2.97.26% Govt. of India (MD 14/01/2029) 2.97.17% Govt. of India (MD 08/01/2028) 1.77.95% Govt. of India (MD 28/08/2032) 1.66.45% Govt. of India (MD 07/10/2029) 1.48.35% Uttar Pradesh State Dev. Loan (MD 02/06/2024) 0.46.90% Govt. of India Oil Bond (MD 04/02/2026) 0.25.85% Govt. of India (MD 01/12/2030) 0.18.13% Govt. of India (MD 21/09/2022) 0.1Others 0.0Corporate Debt 20.89.00% Power Finance Corp. Limited (MD 11/03/2028) 4.88.70% Great Eastern Shipping Co Limited (MD 06/05/2026) 2.89.24% LIC Housing Finance Limited (MD 30/09/2024) 2.010.40% Sikka Ports & Terminals Limited (MD 18/07/2021) 1.88.48% U.P. Power Corp. Limited (MD 15/03/2027) 1.510.25% Sikka Ports & Terminals Limited (MD 22/08/2021) 1.38.51% India Infradebt Limited (MD 05/05/2026) 1.09.75% Rural Electrification Corp. Limited (MD 11/11/2021) 0.99.00% Shriram Transport Finance Company Limited (MD 28/03/2028) 0.88.38% NIIF Infrastructure Finance Limited (MD 12/10/2021) 0.7Others 3.2Money Market Instruments & Others 3.7Total 100.0

19.7

7.95.0 3.6 2.8 2.5 2.2 2.0 1.7 1.4

51.2

0

10

20

30

40

50

60

8.4% 7.4%

11.1%

13.7% 13.8%

2.2%

8.5%9.7%

12.5%

17.6%

14.1%

2.3%

0%2%4%6%8%

10%12%14%16%18%20%




BALANCEDPLUS FUND




FUND MANAGER


Fund Benchmark



0.48%A & Below A

28.51%

8.54%Up to 1 year


62.95%Above 7 years


Balanced Plus Fund benchmark is 50% Nifty 50 and 50% CRISIL CompositeBond Fund IndexModified Duration of Debt and Money Market: 5.82 yearsPast performance is not indicative of future performanceThe SFIN for Balanced Plus Fund is ULIF01013/09/10BLNCDPLFND136














11



VIVEK VERMA ABHISHEK DAS


%







CIVIL ENGINEERING

WATER TRANSPORT



OTHERS

CREDIT RATING

PROFILE

MATURITYPROFILE

Equity 51.7Reliance Industries Limited 4.6HDFC Bank Limited 4.6Infosys Limited 4.0ICICI Bank Limited 3.7Housing Development Finance Corporation Limited 3.2Tata Consultancy Services Limited 2.0Larsen & Tourbo Limited 2.0Kotak Mahindra Bank Limited 1.9Axis Bank Limited 1.6Hindustan Unilever Limited 1.5Others 22.6Government Securities 25.06.22% Govt. of India (MD 16/03/2035) 8.57.57% Govt. of India (MD 17/06/2033) 2.56.45% Govt. of India (MD 07/10/2029) 2.47.17% Govt. of India (MD 08/01/2028) 1.97.26% Govt. of India (MD 14/01/2029) 1.65.15% Govt. of India (MD 09/11/2025) 1.66.19% Govt. of India (MD 16/09/2034) 0.87.95% Govt. of India (MD 28/08/2032) 0.87.61% Govt. of India (MD 09/05/2030) 0.76.78% Maharastra State Dev. Loan (MD 23/09/2032) 0.6Others 3.6Corporate Debt 20.18.48% U.P. Power Corp. Limited (MD 15/03/2027) 2.28.70% Great Eastern Shipping Co Limited (MD 06/05/2026) 1.77.92% Rural Electrification Corp. Limited (MD 30/03/2030) 1.57.46% NABARD (MD 27/12/2034) 1.07.05% LIC Housing Fin. Limited (MD 21/12/2030) 1.08.80% Rural Electrification Corp. Limited (MD 22/01/2029) 0.98.37% Rural Electrification Corp. Limited (MD 07/12/2028) 0.99.24% LIC Housing Finance Limited (MD 30/09/2024) 0.99.00% Power Finance Corp. Limited (MD 11/03/2028) 0.810.25% Sikka Ports & Terminals Limited (MD 22/08/2021) 0.8Others 8.5Money Market Instruments & Others 3.1Total 100.0

20.8

7.95.3

3.5 2.4 2.1 2.0 1.7 1.4 1.3

51.7

0

10

20

30

40

50

60

7.7% 7.7%

11.8%

14.5% 13.9%

2.2%

8.3%9.5%

12.4%

17.5%

14.1%

2.3%

0%2%4%6%8%

10%12%14%16%18%20%


BENCHMARK: CRISIL Composite BondFund Index


DEBTFUND

DATE OF INCEPTIONTH09 JULY 2008




Fund Benchmark



0.00%A & Below A

32.64%

6.33%Up to 1 year


61.03%Above 7 years

The Fund invests in a portfolio of high quality bonds and other fixed and floating rate securities issued by the Government, Government agencies and corporate issuers. To maintain liquidity, the Funds invests in the money market instruments.

Debt Fund benchmark is CRISIL Composite Bond Fund IndexModified Duration of Debt and Money Market: 6.01 yearsPast performance is not indicative of future performanceThe SFIN for Debt Fund is ULIF00409/07/08INDEBTFUND136



ABHISHEK DAS

EQUITY-0

DEBT-6

HYBRID-9


358.8 AUM^ INRs. Crore









OTHERS

CREDIT RATING

PROFILE

MATURITYPROFILE

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Flexible payoutswith option for monthly income along with lump sum payment

All round cover with option to cover critical illness, accidental death and disability

Government Securities 44.56.22% Govt. of India (MD 16/03/2035) 17.85.15% Govt. of India (MD 09/11/2025) 6.80.00% Govt. of India (MD 17/06/2028) 5.97.27% Govt. of India (MD 08/04/2026) 2.65.85% Govt. of India (MD 01/12/2030) 1.88.28% Govt. of India (MD 15/02/2032) 1.86.75% Karnataka State Dev. Loan (MD 04/11/2035) 1.37.69% Govt. of India (MD 17/06/2043) 1.25.79% Govt. of India (MD 11/05/2030) 1.17.35% Govt. of India (MD 22/06/2024) 0.9Others 3.4Corporate Debt 52.16.79% Bharat Sanchar Nigam Limited (MD 23/09/2030) 6.29.85% L&T Metro Rail (Hyderabad) Limited (MD 28/01/2036) 4.77.79% Rural Electrification Corp. Limited (MD 21/05/2030) 3.48.55% Housing Dev. Finance Corp. Limited (MD 27/03/2029) 2.97.14% National Highways Authority of India Limited (MD 10/09/2040) 2.97.40% Reliance Industries Limited (MD 25/04/2025) 2.86.94% National Highways Authority of India Limited (MD 27/11/2037) 2.36.85% ICICI Pru Life Insurance Limited (06/11/2030) 2.17.79% Power Finance Corp. Limited (MD 22/07/2030) 2.09.05% Reliance Industries Limited (MD 17/10/2028) 1.5Others 21.4Money Market Instruments & Others 3.4Total 100.0

IRDAI Reg. No. 136BAN3NJNPCHONOV20 ENGT&C Apply

8.4 6.4

85.2

0

10

20

30

40

50

60

70

80

90

8.8%9.9%

11.3%

7.2%

1.6%

-2.5%

7.5% 8.0%9.0%

5.7%

0.8%

-1.9%-5%

0%

5%

10%

15%


https://www.canarahsbclife.com/term-insurance.html

https://www.canarahsbclife.com/term-insurance.html

DEBTPLUS FUND

DATE OF INCEPTIONTH 15 SEPTEMBER 2010


The Fund invests in a portfolio of high quality bonds and other fixed and floating rate securities issued by the Government, Government agencies and corporate issuers. To maintain liquidity, the Funds invests in the money market instruments.

BENCHMARK: CRISIL Composite BondFund Index



Fund Benchmark

Debt Plus Fund benchmark is CRISIL Composite Bond Fund IndexModified Duration of Debt and Money Market: 5.66 yearsPast performance is not indicative of future performanceThe SFIN for Debt Plus Fund is ULIF01115/09/10DEBTPLFUND136




0.64%A & Below A

38.74%

7.41%Up to 1 year


53.84%Above 7 years


ABHISHEK DAS

EQUITY-0

DEBT-6

HYBRID-9







Debt and Debt Related Instruments



13



WATER TRANSPORT

OTHERS

CREDIT RATING

PROFILE

MATURITYPROFILE


6.22% Govt. of India (MD 16/03/2035) 12.4

0.00% Govt. of India (MD 17/06/2028) 6.8

7.17% Govt. of India (MD 08/01/2028) 4.5

5.15% Govt. of India (MD 09/11/2025) 2.4

7.69% Govt. of India (MD 17/06/2043) 2.0

6.67% Govt. of India (MD 17/12/2050) 2.0

8.28% Govt. of India (MD 15/02/2032) 1.7

6.80% Telangana State Dev. Loan (MD 04/11/2050) 1.1

7.06% Govt. of India (MD 10/10/2046) 0.9

8.35% Uttar Pradesh State Dev. Loan (MD 02/06/2024) 0.5

Others 0.0

Corporate Debt 63.0

7.78% Housing Dev. Finance Corp. Limited (MD 27/03/2027) 4.4

9.05% Reliance Industries Limited (MD 17/10/2028) 3.8

9.85% L&T Metro Rail (Hyderabad) Limited (MD 28/01/2036) 3.7

7.14% National Highways Authority of India Limited (MD 10/09/2040) 3.1


6.79% Bharat Sanchar Nigam Limited (MD 23/09/2030) 2.7

8.15% Bajaj Finance Limited (MD 22/06/2027) 2.6

6.94% National Highways Authority of India Limited (MD 27/11/2037) 2.6



Others 32.6


Total 100.0

14.9

7.2

1.3

76.6

0

10

20

30

40

50

60

70

80

90

7.8%9.1%

10.6%

7.0%

1.5%

-2.2%

7.2% 7.5%8.6%

5.2%

0.5%

-1.9%-4%

0%

4%

8%

12%


LIQUIDFUND

DATE OF INCEPTIONTH14 JULY 2008


This Fund primarily invests in a portfolio constituted of money market and high quality debt securities.

BENCHMARK: CRISIL Liquid Fund IndexthFund Performance as on 26 February 2021


Fund Benchmark

Liquid Fund benchmark is CRISIL Liquid Fund IndexModified Duration of Debt and Money Market: 0.85 yearsPast performance is not indicative of future performanceThe SFIN for Liquid Fund is ULIF00514/07/08LIQUIDFUND136




0.00%A & Below A

32.6%

67.4%Up to 1 year


0.0%Above 7 years


ABHISHEK DAS

EQUITY-0

DEBT-6

HYBRID-9










14



OTHERS

CREDIT RATING

PROFILEMATURITYPROFILE


7.68% Govt. of India (MD 15/12/2023) 3.1

8.18% Haryana State Dev. Loan (MD 15/06/2023) 3.1

9.13% Gujarat State Dev. Loan (MD 09/05/2022) 3.1

8.35% Govt. Of India (MD 14/05/2022) 3.1

6.94% Orissa State Dev. Loan (MD 26/07/2021) 1.8

9.37% Tamil Nadu State Dev. Loan (MD 06/11/2023) 1.6

8.85% Maharashtra State Dev. Loan (MD 18/7/2022) 1.5

7.21% Gujarat State Dev. Loan (MD 09/11/2022) 1.5

Corporate Debt 15.5

7.70% Bajaj Finance Limited (MD 28/12/2022) 4.6


6.95% Housing Dev. Finance Corp. Limited (MD 27/04/2023) 3.0





Total 100.0

4.6 3.1

92.3

0

10

20

30

40

50

60

70

80

90

100

6.5%

2.5%1.7%

4.2%

1.5%

0.0%

6.6%

5.2%4.4%

3.3%

1.3%

0.2%

-2%

0%

2%

4%

6%

8%


NAV GUARANTEEFUND

DATE OF INCEPTIONTH15 APRIL 2011






0.00%A & Below A

0.00%

100.00%Up to 1 year


0.00%Above 7 years

The Fund aims to generate long-term capital appreciation from active management of a portfolio of equity and fixed income securities. The allocation between equity and debt is dynamically managed, depending on the prevalent market conditions to safeguard capital appreciation. The use of derivatives is as per approved by IRDAI.







0.0AUM^ INRs. Crore







BENCHMARK: NAthFund Performance as on 26 February 2021

FUND MANAGER

Fund

Modified Duration of Debt and Money Market: 0.13 yearsPast performance is not indicative of future performanceThe SFIN for NAV Guarantee Fund is ULIF01215/04/11NAVGFUNDSI136



ABHISHEK DAS VIVEK VERMA


15

CREDIT RATING

PROFILE

MATURITYPROFILE


7.80% Govt. of India (MD 11/04/2021) 79.2

8.36% West Bengal State Dev. Loan (MD 08/04/2021) 10.6

6.94% Orissa State Dev. Loan (MD 26/07/2021) 2.8


Total 100.0

100.0

0

20

40

60

80

100

120

OTHERS

7.3%

4.6% 4.8%

3.1%

1.0%

0.1%

0%

2%

4%

6%

8%


PENSIONGROWTH

FUND




The Fund invests in listed equities and high quality fixed income and money market instruments. The Fund intends to adopt a relatively aggressive approach towards bonds and equities with the objective of achieving capital appreciation.



4.9AUM^ INRs. Crore











BENCHMARK: Nifty 50 and CRISILComposite Bond Fund Index


FUND MANAGER

Fund Benchmark

Pension Growth Fund benchmark is 40% Nifty 50 and 60% CRISIL CompositeBond Fund IndexModified Duration of Debt and Money Market: 5.66 yearsPast performance is not indicative of future performanceThe SFIN for Pension Growth Fund is ULIF01405/11/15PENSGROFND136



ABHISHEK DAS VIVEK VERMA





0.00%A & Below A

15.25%

20.45%Up to 1 year


64.30%Above 7 years

FINANCIAL AND INSURANCE ACTIVITIESCOMPUTER PROGRAMMING, CONSULTANCY AND RELATED ACTIVITIESMANUFACTURE OF COKE AND REFINED PETROLEUM PRODUCTSMANUFACTURE OF CHEMICALS AND CHEMICAL PRODUCTSMANUFACTURE OF MOTOR VEHICLES, TRAILERS AND SEMI-TRAILERSMANUFACTURE OF PHARMACEUTICALS, MEDICINAL CHEMICAL AND BOTANICAL PRODUCTSCIVIL ENGINEERINGMANUFACTURE OF OTHER NON-METALLIC MINERAL PRODUCTSMANUFACTURE OF TOBACCO PRODUCTSMANUFACTURE OF BASIC METALSOTHERS

CREDIT RATING

PROFILE

MATURITYPROFILE

16

Fulfil retirement goals toBuild large corpus funds

Flexible saving to Customize the plan as per your savings requirement

Inflation protection to Prepare you for inflation through regular investment

Invest in Retirement Plans to fulfil your retirement goals.

RETIRE INTO A LIFE THAT YOU PROMISED.

Click here to know more

Equity 41.1HDFC Bank Limited 4.5Reliance Industries Limited 3.7Infosys Limited 3.1ICICI Bank Limited 3.1Housing Development Finance Corporation Limited 2.9Tata Consultancy Services Limited 1.9Axis Bank Limited 1.6Larsen & Tourbo Limited 1.6Kotak Mahindra Bank Limited 1.3Bharti Airtel Limited 1.3Others 16.0Government Securities 42.87.57% Govt. of India (MD 17/06/2033) 13.76.22% Govt. of India (MD 16/03/2035) 4.57.26% Govt. of India (MD 14/01/2029) 3.67.17% Govt. of India (MD 08/01/2028) 3.67.95% Govt. of India (MD 28/08/2032) 3.36.45% Govt. of India (MD 07/10/2029) 3.18.17% Govt. of India (MD 01/12/2044) 1.87.72% Govt. of India (MD 15/06/2049) 1.76.18% Govt. of India (MD 04/11/2024) 1.67.61% Govt. of India (MD 09/05/2030) 1.3Others 4.4Corporate Debt 8.47.79% Power Finance Corp. Limited (MD 22/07/2030) 3.39.75% Rural Electrification Corp. Limited (MD 11/11/2021) 1.510.25% Sikka Ports & Terminals Limited (MD 22/08/2021) 0.810.40% Sikka Ports & Terminals Limited (MD 18/07/2021) 0.89.18% Power Finance Corp. Limited (MD 15/04/2021) 0.68.70% Great Eastern Shipping Co Limited (MD 06/05/2026) 0.59.45% LIC Housing Finance Limited (MD 30/01/2022) 0.59.25% Reliance Industries Limited (MD 16/06/2024) 0.48.00% Britannia Industries Limited (MD 28/08/2022) 0.1Money Market Instruments & Others 7.7Total 100.0

IRDAI Reg. No. 136BAN2NJNBCHONOV20 ENGT&C Apply

15.1

6.6 4.5 3.1 2.0 1.6 1.6 1.3 1.1 0.9

62.2

0

10

20

30

40

50

60

70

6.6% 7.0%

10.7%11.9%

10.5%

1.2%

8.2%8.9%

11.4%

14.8%

11.3%

1.4%

0%

4%

8%

12%

16%


https://www.canarahsbclife.com/retirement-plans.html

https://www.canarahsbclife.com/retirement-plans.html

PENSION BALANCED

FUND



This fund will invest in listed equities and high quality fixed income securities, and money market instruments. The fund intends to adopt skewed approach towards bonds and some exposure in equities with the objective of achieving capital appreciation with minimal short-term performance volatility.



Fund

Modified Duration of Debt and Money Market: 5.63 yearsPast performance is not indicative of future performanceThe SFIN for Pension Balanced Fund is ULIF01505/11/15PENSBALFND136




0.00%A & Below A

31.15%

16.07%Up to 1 year


52.77%Above 7 years


17

OTHERS

CREDIT RATING

PROFILE

FUND MANAGER





100.0

0

20

40

60

80

100

120

0%-80%Money MarketInstruments and Others


0.4AUM^ INRs. Crore




0.0AUM^ INRs. Crore


1.9AUM^ INRs. Crore



2.3AUM^ INRs. Crore

MATURITYPROFILE


6.22% Govt. of India (MD 16/03/2035) 22.9

6.45% Govt. of India (MD 07/10/2029) 21.9

5.15% Govt. of India (MD 09/11/2025) 21.4

7.17% Govt. of India (MD 08/01/2028) 9.2

6.80% Govt. of India (MD 15/12/2060) 4.4

7.26% Govt. of India (MD 14/01/2029) 1.8

6.19% Govt. of India (MD 16/09/2034) 0.8


Total 100.0

0.1%

-2.1%-3%

-2%

-2%

-1%

-1%

0%

1%

Inception 1 M

To generate capital appreciation in the long term through equity investments by investing in a diversified portfolio of Small Cap, Mid Cap and Large Cap Companies.

DATE OF INCEPTIONTH 15 NOVEMBER 2016

BENCHMARK: Nifty 100 thFund Performance as on 26 February 2021










OTHER

Fund Benchmark

India Multi-Cap Equity Fund benchmark is Nifty 100Modified Duration of Debt and Money Market: 0.01 yearsPast performance is not indicative of future performanceThe SFIN for India Multi-cap Equity Fund is ULIF01816/08/16IMCAPEQFND136



CREDIT RATING

PROFILE


100.00%Upto 1 Year


EQUITY-2

DEBT-0

HYBRID-6

MATURITYPROFILE

VIKAS GUPTA 18









CIVIL ENGINEERING




OTHERS

Equity 98.9


Infosys Limited 6.7









Others 49.0


Total 100.0

INDIA MULTI-CAP EQUITY FUND

23.4

12.5

8.3

5.7 5.13.8 3.8 3.3 2.7

2.0

12.5

16.7

0

5

10

15

20

25

11.8%

6.7%

14.2%

21.9%

27.8%

7.0%

14.2%

10.5%

15.7%

29.6%27.6%

6.7%

0%

5%

10%

15%

20%

25%

30%

35%


LARGE CAP ADVANTAGE

FUND

DATE OF INCEPTIONTH16 OCTOBER 2020

To generate long term capital appreciation through investments predominantly in large cap stocks.


4.2AUM^ INRs. Crore


4.3AUM^ INRs. Crore




0.1AUM^ INRs. Crore



Equity 98.8



Infosys Limited 7.3




Kotak Mahindra Bank Limited 4.1

Hindustan Unilever Limited 3.0

Axis Bank Limited 2.8

ITC Limited 2.8

Others 39.0


Total 100.0

BENCHMARK: Nifty 50 and CRISIL Liquid fund index


Large Cap Advantage Fund benchmark is 95% Nifty 50 and 5% CRISIL Liquid fund indexModified Duration of Debt and Money Market: 0.01 yearsPast performance is not indicative of future performanceThe SFIN for Large Cap Advantage Fund is ULIF02109/06/20LARCPADFND136

19

EQUITY-2

DEBT-0

HYBRID-6

VIKAS GUPTA


CREDIT RATING

PROFILE


100.00%Upto 1 Year


MATURITYPROFILE


FINANCIAL AND INSURANCE ACTIVITIESCOMPUTER PROGRAMMING, CONSULTANCY AND RELATED ACTIVITIESMANUFACTURE OF COKE AND REFINED PETROLEUM PRODUCTSMANUFACTURE OF CHEMICALS AND CHEMICAL PRODUCTSMANUFACTURE OF MOTOR VEHICLES, TRAILERS AND SEMI-TRAILERSMANUFACTURE OF PHARMACEUTICALS, MEDICINAL CHEMICAL AND BOTANICAL PRODUCTSMANUFACTURE OF TOBACCO PRODUCTSCIVIL ENGINEERINGMANUFACTURE OF BASIC METALSMANUFACTURE OF OTHER TRANSPORT EQUIPMENTOTHERS

Fund Benchmark

39.0

15.5

11.2

5.83.6 3.2 2.8 2.7 2.2 2.0

11.8

0

5

10

15

20

25

30

35

40

45

21.5%

5.9%

22.4%

6.2%

0%

5%

10%

15%

20%

25%

Inception 1 M

EMERGING LEADERSEQUITY FUND

The objective of this fund is to generate capital appreciation in the long term through investments predominantly in mid cap stocks

DATE OF INCEPTIONTH26 FEBRUARY 2018

BENCHMARK: Nifty Midcap 100thFund Performance as on 26 February 2021








2.9AUM^ INRs. Crore


Fund Benchmark

Emerging Leaders Equity Fund benchmark is Nifty Midcap 100Modified Duration of Debt and Money Market: 0.01 yearsPast performance is not indicative of future performanceThe SFIN for Emerging Leaders Equity Fund is ULIF02020/12/17EMLEDEQFND136The Benchmark of the fund has been changed from Nifty Midcap 50 to Nifty Midcap 100 with effect from 1st January 2021. The Benchmark performance given above for all tenures is as per Nifty Midcap 100.

th NAV as on 26 February 2021: Rs. 12.5018THTOP 10 HOLDING AS ON 26 FEBRUARY 2021 %

CREDIT RATING

PROFILE


100.00%Upto 1 Year

MATURITYPROFILE


EQUITY-2

DEBT-0

HYBRID-0

BALWINDAR SINGH




MANUFACTURE OF ELECTRICAL EQUIPMENT


MANUFACTURE OF MACHINERY AND EQUIPMENT N.E.C.



MANUFACTURE OF RUBBER AND PLASTICS PRODUCTS



OTHERS

20

Invest in Child Future Plans for your child’s education.

Click here to know more

Equity 98.2

Apollo Hospitals Enterprise Limited 2.6

Cholamandalam Investment and Finance Company Limited 2.5

AU Small Finance Bank Limited 2.4

Voltas Limited 2.3

Shriram Transport Finance Company Limited 2.3

LIC Housing Finance Limited 2.3

Federal Bank Limited 2.2

Ashok Leyland Limited 2.1

Godrej Properties Limited 2.1

Jindal Steel & Power Limited 2.1

Others 75.4


Total 100.0

GIVE YOUR CHILD THE FUTURETHAT YOU PROMISED.

Waiver of future premiums & funding of premiumsis case of an unfortunate event

Flexible plansto customize your savings as per the key milestones for education

Building up a fund for yourchild’s education needs

IRDAI Reg. No. 136BAN1NJNBCHONOV20 ENGT&C Apply

21.5

7.56.3

5.0 4.7 4.1 4.0 3.8 3.7 3.6

35.8

0

5

10

15

20

25

30

35

40

7.7% 7.9%

20.4%

35.2%

39.5%

11.3%

5.4% 5.8%

18.0%

38.6% 39.5%

11.3%

0%

5%

10%

15%

20%

25%

30%

35%

40%

45%


https://www.canarahsbclife.com/child-insurance.html

https://www.canarahsbclife.com/child-insurance.html

DISCONTINUEDPOLICY FUND



To generate reasonable returns on funds from discontinued policies determined in accordance with the Regulations. This fund will primarily invest in portfolio constituted of Government Securities and money market instruments.



Fund

Modified Duration of Debt and Money Market: 1.11 yearsPast performance is not indicative of future performanceThe SFIN for Discontinued Policy Fund is ULIF01319/09/11POLDISCFND136


CREDIT RATING

PROFILE



0.00%A & Below A

48.40%

51.60%Up to 1 year


0.00%Above 7 years


ABHISHEK DAS

EQUITY-0

DEBT-6

HYBRID-9






Government Securities



21


OTHERS

0

10

20

30

40

50

60

70

80

90

100

MATURITYPROFILE

100.0


6.84% Govt. of India (MD 19/12/2022) 26.2

6.17% Govt. of India (MD 15/07/2021) 7.2

364 Days Treasury Bill (MD 23/12/2021) 6.9



8.90% Andhra Pradesh State Dev. Loan (MD 04/07/2022) 5.2

7.68% Govt. of India (MD 15/12/2023) 5.2


8.21% Rajasthan State Dev. Loan (MD 31/03/2022) 3.7

6.18% Govt. of India (MD 04/11/2024) 3.6

Others 21.9


Total 100.0

6.9%

5.8% 5.7%

4.9%

2.0%

0%

1%

2%

3%

4%

5%

6%

7%

8%

Inception 3 yrs 2 yrs 1 yr 6 M

PENSION DISCONTINUEDPOLICY FUND

DATE OF INCEPTIONTH08 DECEMBER 2017


To generate reasonable returns on funds from discontinued policies determined in accordance with the Regulations. This fund will primarily invest in portfolio constituted of Government Securities and money market instruments.



Fund

Modified Duration of Debt and Money Market: 0.75 yearsPast performance is not indicative of future performanceThe SFIN for Pension Discontinued Policy Fund isULIF01705/11/15PENSDISFND136


CREDIT RATING

PROFILE



0.00%A & Below A

22.26%

77.74%Up to 1 year


0.00%Above 7 years


ABHISHEK DAS

EQUITY-0

DEBT-6

HYBRID-9






Government Securities



22


OTHERS

0

10

20

30

40

50

60

70

80

90

100

MATURITYPROFILE

100.0



8.55% Rajasthan State Dev. Loan (MD 18/10/2022) 10.1




7.68% Govt. of India (MD 15/12/2023) 7.4


8.13% Govt. of India (MD 21/09/2022) 4.6



Total 100.0

5.4% 5.5%5.1%

4.4%

1.7%

0.1%

0%

2%

4%

6%


POLICYHOLDERSUNCLAIMED FUND

DATE OF INCEPTIONTH01 APRIL 2016


To generate reasonable returns on unclaimed amounts of policyholders in accordance with the Regulations. This fund will primarily invest in portfolio constituted of money market instruments.



Fund

Modified Duration of Debt and Money Market: 0.53 yearsPast performance is not indicative of future performanceThe SFIN for Policyholders Unclaimed Fund is ULIF01901/04/16UNCLAIMFND136


CREDIT RATING

PROFILE



0.00%A & Below A

0.00%

100.00%Up to 1 year


0.00%Above 7 years


ABHISHEK DAS

EQUITY-0

DEBT-6

HYBRID-9

Actual Allocation

AUM^ INRs. Crore



0%-100%Money Market

Instruments and Others


23



Total 100.0

MATURITYPROFILE

100.0% 13.4

OTHERS

0

10

20

30

40

50

60

70

80

90

100100.0

5.8%5.5%

5.0%

4.1%

1.7%

0.2%

0%

2%

4%

6%

8%


february - canarahsbclife-prd.adobecqms.net

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