june, 2015 - aviva india · the linked insurance products do not offer any liquidity during the...

THE LINKED INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICYHOLDER WILL NOT BE ABLETO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.

June, 2015

Aviva Investor

9.23% GOI 2043 14.32 8.15% GOI 2026 13.10

8.40% GOI 2024 9.00 7.72% GOI 2025 5.45 8.83% GOI 2023 4.70 8.97% GOI 2030 3.11 8.28% GOI 2027 2.10 8.12% GOI 2020 1.39 9.20% GOI 2030 0.91 8.33% GOI 2036 0.84 9.39% Andhra Pradesh SDL 2023 0.71 8.27% GOI 2020 0.67

GOVERNMENT 57.53 8.30% GOI 2040 0.51CORPORATE B 26.42 8.85% Tamil Nadu State Development Ltd. 2022 0.43MONEY MARK 16.05 8.24% GOI 2027 0.29

Total 57.53

LIC Housing Finance Ltd. 3.99 Rural Electrification Corporation 3.64 Mahindra & Mahindra Ltd. 3.51 HDFC Ltd. 3.30 Reliance Gas Transportation Infrastructure Ltd. 3.14

As on June 30, 2015 Power Grid Corporation of India Ltd. 2.93Absolute Return Power Finance Corporation Ltd. 2.40

Tata Sons Ltd. 2.33 Bajaj Finance Ltd. 0.85

Portfolio return 8.8% 9.0% 9.7% 9.5% 7.8% 11.1% NABARD 0.33Benchmark** 7.1% 8.2% 8.9% 8.8% 7.8% 11.1% Total 26.42

Note: Past returns are not indicative of future performance.

* Money Market includes Liquid Schemes of Mutual Funds & Bank Deposit

**Benchmark is Crisil Composite Bond Index Adjusted for fund management charges.

Group Superannuation, Gratuity and Leave Encashment

CAGR Return

June 2015

PENSION DEBT FUND Portfolio as on June 30, 2015

The investment objective of the debt fund is to provide progressive capitalgrowth with relatively lower investment risks. Sovereign

Sovereign

Sovereign

Since inception

Last 5 years

Last 2 years

Last 1 year

SovereignSovereignSovereignSovereignSovereign

AAA

SovereignSovereignSovereignSovereignSovereignSovereignSovereign

AAAAAAAAA

Last 4 years

Last 3 years

AAAAAA

AAA

AAAAA+AAA

Asset Allocation Pattern

Asset Mix

Portfolio Return

NAV Movement Inception Date - March 10,2006

Security Net Asset % Rating ULGF00310/03/2006GROUPDEBTF122

The risk profile for this fund is Low

• Debt Securities 60%-100% • Money Market Instruments & Cash 0%-40%

8

13

18

23

Mar

-06

Feb-

07

Jan-

08

Dec-

08

Nov

-09

Oct

-10

Sep-

11

Aug-

12

Aug-

13

Jul-1

4

Jun-

15

NAV MOVEMENT SINCE INCEPTION

GOVERNMENT SECURITIES

CORPORATE BONDS

CASH AND MONEY MARKETS* 16.05%

PORTFOLIO TOTAL 100.00%

Aviva Investor

Auto & Auto Ancillaries Tata Motors Ltd.

Maruti Suzuki India Ltd. Hero MotoCorp Ltd. Mahindra & Mahindra Ltd. Bajaj Auto Ltd. Ceat Ltd. Banks HDFC Bank Ltd. ICICI Bank Ltd. Axis Bank Ltd. State Bank of India

EQUITIES 18.51 Bank of BarodaGOVERNMENT 48.85 Yes Bank Ltd.CORPORATE B 17 Federal Bank Ltd.MONEY MARK 15.64 Oriental Bank of Commerce Ltd.

Punjab National Bank Chemicals Asian Paints Ltd. Construction and Infrastructure GMR Infrastructure Ltd. IRB Infrastructure Developers Ltd. Construction materials

As on June 30, 2015 Ultratech Cement Ltd.Absolute Return ACC Ltd.

Ambuja Cements Ltd. Consumer Durables and Electronics

Portfolio return 8.9% 9.6% 10.6% 11.5% 11.4% 10.8% Titan Company Ltd.Benchmark** 7.9% 8.7% 9.3% 10.3% 10.0% 11.0% Engineering and Capital Goods

Larsen & Toubro Ltd.Note: Past returns are not indicative of future performance. Engineers India Ltd.

FI IDFC Ltd. FMCG ITC Ltd. Hindustan Unilever Ltd. HFC HDFC Ltd. LIC Housing Finance Ltd. Media and Entertainment Jagran Prakashan Ltd. Mining and Minerals Coal India Ltd. Vedanta Ltd. National Mineral Development Corporation Ltd. MOIL Ltd. Non Ferrous metals Hindalco Industries Ltd. Petroleum, Gas and petrochemical products Reliance Industries Ltd. Oil and Natural Gas Corporation Ltd. Gail (India) Ltd. Hindustan Petroleum Corporation Ltd. Oil India Ltd. Gulf Oil Lubricants India Ltd. Cairn India Ltd. Pharmaceuticals & Biotechnology Sun Pharmaceuticals Industries Ltd. Lupin Ltd. Dr Reddys Laboratories Ltd. Cipla Ltd. IPCA Laboratories Ltd.

**Benchmark return has been computed by applying benchmark weightages on CRISIL Composite Bond Fund Index and CNX NIFTY INDEX


CAGR Return

June 2015

PENSION SECURE FUND Portfolio as on June 30, 2015

To provide progressive return on the investment.

Since inception

Last 5 years

Last 2 years

Last 1 year

0.07

1.381.27

0.220.084.041.540.840.630.510.150.150.100.06

0.080.530.42

0.06

0.05Last 4 years

Last 3 years

To be continued........

0.011.470.630.310.180.150.13

0.281.391.350.040.11

0.07

1.590.49

0.280.270.25

0.060.250.250.160.08

0.110.080.081.090.81

0.110.400.240.080.050.030.100.101.850.910.480.120.120.120.09


Asset Mix

Portfolio Return

NAV Movement Inception Date - July 13,2005

Security Net Asset % ULGF00113/07/2005GROUPSECUR122


• Debt Securities 40%-100% • Equity 0%-20% • Money Market Instruments & Cash 0%-40%

8

13

18

23

Jul-0

5

Jul-0

6

Jul-0

7

Jul-0

8

Jun-

09

Jun-

10

Jun-

11

Jun-

12

Jun-

13

Jun-

14

Jun-

15


EQUITIES

Continued....... Aviva Investor

Glenmark Pharmaceuticals Ltd. Cadila Healthcare Ltd. Power & Control equipment Manufacturer Bharat Heavy Electricals Ltd. Crompton Greaves Ltd. BGR Energy Systems Ltd. Power Generation NTPC Ltd. Power Transmission Power Grid Corporation of India Ltd. Realty Oberoi Realty Ltd Software and Consultancy Services Infosys Ltd. Tata Consultancy Services Ltd. HCL Technologies Ltd. Tech Mahindra Ltd. Steel and Ferrous Metal Tata Steel Ltd. Telecom Services Bharti Airtel Ltd. Idea Cellular Ltd. Utilities - Gas, Power Indraprastha Gas Ltd. Tata Power Co. Ltd. Total

9.23% GOI 2043 8.44 9.20% GOI 2030 8.04 8.40% GOI 2024 6.73 8.15% GOI 2026 4.94 8.83% GOI 2041 4.63 8.20% GOI 2025 3.59 7.72% GOI 2025 2.60 8.28% GOI 2032 2.39 8.12% GOI 2020 1.94 8.28% GOI 2027 1.69 8.27% GOI 2020 1.33 8.35% GOI 2022 1.00 8.24% GOI 2027 0.83 8.97% GOI 2030 0.70 Total 48.85

HDFC Ltd. 3.40 Tata Sons Ltd. 2.72 Mahindra & Mahindra Ltd. 2.18 LIC Housing Finance Ltd. 2.01 Power Finance Corporation Ltd. 1.70 Rural Electrification Corporation 1.63 Tata Motors Ltd. 1.35 Bajaj Finance Ltd. 1.34 NABARD 0.66 NTPC Ltd. 0.01 Total 17.00

0.030.220.110.08

June 2015

PENSION SECURE FUNDGroup Superannuation, Gratuity and Leave Encashment

0.04

0.250.150.15

0.060.06

Sovereign

SovereignSovereignSovereignSovereignSovereign

AAA

SovereignSovereignSovereignSovereignSovereignSovereignSovereignSovereign

AAAAAA

AAA

AAAAAAAAAAA

AA+AAA

0.220.110.11

18.51

0.030.060.060.110.11

0.210.190.02

2.971.450.950.32

ULGF00113/07/2005GROUPSECUR122

EQUITIES


CORPORATE BONDS



Security Net Asset %

Aviva Investor


Maruti Suzuki India Ltd. Mahindra & Mahindra Ltd. Hero MotoCorp Ltd. Bajaj Auto Ltd. Ceat Ltd. Banks HDFC Bank Ltd. ICICI Bank Ltd. Axis Bank Ltd. State Bank of India

EQUITIES 35.91 Yes Bank Ltd.GOVERNMENT 27.4 Bank of BarodaCORPORATE B 30.72 Punjab National BankMONEY MARK 5.97 Oriental Bank of Commerce Ltd.

Chemicals Asian Paints Ltd. Construction and Infrastructure GMR Infrastructure Ltd. IVRCL Ltd. Unity Infraprojects Ltd. Construction materials





FI IDFC Ltd. Power Finance Corporation Ltd. Rural Electrification Corporation FMCG ITC Ltd. Hindustan Unilever Ltd. HFC HDFC Ltd. LIC Housing Finance Ltd. Media and Entertainment Jagran Prakashan Ltd. Mining and Minerals Coal India Ltd. Vedanta Ltd. National Mineral Development Corporation Ltd. Non Ferrous metals Hindalco Industries Ltd. Petroleum, Gas and petrochemical products Reliance Industries Ltd. Oil and Natural Gas Corporation Ltd. Gail (India) Ltd. Bharat Petroleum Corporation Ltd. Gulf Oil Lubricants India Ltd. Cairn India Ltd. Oil India Ltd. Indian Oil Corporation Ltd. Pharmaceuticals & Biotechnology Sun Pharmaceuticals Industries Ltd. Lupin Ltd. Dr Reddys Laboratories Ltd.



CAGR Return

June 2015

PENSION BALANCED FUND Portfolio as on June 30, 2015

To provide capital growth by availing opportunities in debt and equitymarkets and providing a good balance between risk and return.

Since inception

Last 5 years

Last 2 years

Last 1 year

0.31

0.090.400.400.300.100.100.101.270.83

0.22

0.220.120.12

1.95

Last 4 years

Last 3 years


0.170.150.130.120.04

0.400.220.120.061.991.640.35

1.64

3.320.93

0.820.670.480.260.167.503.121.781.240.820.190.140.12

2.422.310.110.230.231.040.630.280.130.19

2.871.250.470.42

0.193.412.000.600.20


Asset Mix

Portfolio Return


Security Net Asset % ULGF00210/03/2006GROUPBALAN122

The risk profile for this fund is Medium


7

12

17

22

Mar

-06

Feb-

07

Jan-

08

Dec-

08

Nov

-09

Oct

-10

Sep-

11

Aug-

12

Aug-

13

Jul-1

4

Jun-

15


EQUITIES


Cipla Ltd. IPCA Laboratories Ltd. Glenmark Pharmaceuticals Ltd. Cadila Healthcare Ltd. Power & Control equipment Manufacturer Crompton Greaves Ltd. Power Generation NTPC Ltd. Power Transmission Power Grid Corporation of India Ltd. Realty Oberoi Realty Ltd Software and Consultancy Services Infosys Ltd. Tata Consultancy Services Ltd. HCL Technologies Ltd. Tech Mahindra Ltd. Steel and Ferrous Metal Tata Steel Ltd. Telecom Services Bharti Airtel Ltd. Idea Cellular Ltd. Telecommunications Equipment Manufacturer Bharti Infratel Ltd Transportation, Supply Chain and Logistics Services Container Corporation Of India Ltd. Utilities - Gas, Power Indraprastha Gas Ltd. Tata Power Co. Ltd. Total

8.40% GOI 2024 7.70 9.23% GOI 2043 3.60 8.83% GOI 2023 3.36 8.27% GOI 2020 2.98 9.20% GOI 2030 2.05 8.83% GOI 2041 1.72 7.72% GOI 2025 1.60 8.35% GOI 2022 1.36 8.15% GOI 2026 1.08 8.97% GOI 2030 0.86 8.28% GOI 2027 0.81 8.60% GOI 2028 0.28 Total 27.40

LIC Housing Finance Ltd. 7.83 Mahindra & Mahindra Ltd. 7.15 Rural Electrification Corporation 6.61 Tata Sons Ltd. 2.23 NABARD 2.15 HDFC Ltd. 1.91 Food Corporation of India 1.72 Bajaj Finance Ltd. 1.09 NTPC Ltd. 0.03 Total 30.72

0.260.080.07

June 2015

PENSION BALANCED FUNDGroup Superannuation, Gratuity and Leave Encashment

0.32

0.060.06

0.510.050.055.762.671.880.730.48

SovereignSovereign

0.590.550.04

AAA

SovereignSovereignSovereignSovereignSovereignSovereignSovereignSovereignSovereignSovereign

AA+AAA

AAAAAAAAAAAAAAAAAA

0.170.170.280.280.51

0.560.30

35.91

0.070.070.150.150.86


ULGF00210/03/2006GROUPBALAN122

EQUITIES


CORPORATE BONDS



Aviva Investor


Hero MotoCorp Ltd. Maruti Suzuki India Ltd. Bajaj Auto Ltd. Ceat Ltd. Banks HDFC Bank Ltd. ICICI Bank Ltd. Axis Bank Ltd. State Bank of India Yes Bank Ltd.

EQUITIES 57.01 Federal Bank Ltd.GOVERNMENT 10.76 Bank of BarodaCORPORATE B 18.38 Oriental Bank of Commerce Ltd.MONEY MARK 13.85 Punjab National Bank

Chemicals Asian Paints Ltd. Construction and Infrastructure GMR Infrastructure Ltd. IRB Infrastructure Developers Ltd. Unity Infraprojects Ltd. Construction materials





FI IDFC Ltd. FMCG ITC Ltd. Hindustan Unilever Ltd. HFC HDFC Ltd. LIC Housing Finance Ltd. Media and Entertainment Jagran Prakashan Ltd. Mining and Minerals Coal India Ltd. Vedanta Ltd. National Mineral Development Corporation Ltd. MOIL Ltd. Non Ferrous metals Hindalco Industries Ltd. Petroleum, Gas and petrochemical products Reliance Industries Ltd. Oil and Natural Gas Corporation Ltd. Gail (India) Ltd. Hindustan Petroleum Corporation Ltd. Gulf Oil Lubricants India Ltd. Oil India Ltd. Cairn India Ltd. Pharmaceuticals & Biotechnology Sun Pharmaceuticals Industries Ltd. Lupin Ltd. Dr Reddys Laboratories Ltd. Cipla Ltd. IPCA Laboratories Ltd.


CAGR Return

June 2015

PENSION GROWTH FUND Portfolio as on June 30, 2015

To provide high capital growth by investing higher element of assets inthe equity market.

Since inception

Last 5 years

Last 2 years

Last 1 year


Last 4 years

Last 3 years

4.013.120.89

1.310.520.490.410.280.190.980.98

0.440.260.06

0.290.295.572.741.080.520.47


4.821.901.030.660.500.49

4.801.78

1.081.030.660.25

12.574.662.791.92

0.770.400.320.051.691.28

0.23

0.180.280.28

3.563.120.440.380.38

3.673.490.180.400.401.380.870.270.230.01


Asset Mix

Portfolio Return


Security Net Asset % ULGF00410/03/2006GROUPGROWT122

The risk profile for this fund is High


7

12

17

22

27

Mar

-06

Feb-

07

Jan-

08

Dec-

08

Nov

-09

Oct

-10

Sep-

11

Aug-

12

Aug-

13

Jul-1

4

Jun-

15


EQUITIES


Cadila Healthcare Ltd. Glenmark Pharmaceuticals Ltd. Power & Control equipment Manufacturer Crompton Greaves Ltd. Bharat Heavy Electricals Ltd. BGR Energy Systems Ltd. Power Generation NTPC Ltd. NHPC Power Transmission Power Grid Corporation of India Ltd. Realty Oberoi Realty Ltd Software and Consultancy Services Infosys Ltd. Tata Consultancy Services Ltd. HCL Technologies Ltd. Tech Mahindra Ltd. Steel and Ferrous Metal Tata Steel Ltd. Telecom Services Bharti Airtel Ltd. Idea Cellular Ltd. Utilities - Gas, Power Indraprastha Gas Ltd. Tata Power Co. Ltd. Total

8.83% GOI 2023 2.14 8.28% GOI 2032 1.87 8.83% GOI 2041 1.83 8.79% Gujarat SDL 2022 1.76 8.28% GOI 2027 0.90 8.97% GOI 2030 0.88 9.23% GOI 2043 0.76 8.33% GOI 2026 0.62 Total 10.76

Mahindra & Mahindra Ltd. 9.11 LIC Housing Finance Ltd. 6.43 Power Finance Corporation Ltd. 2.81 NTPC Ltd. 0.03 Total 18.38


June 2015

PENSION GROWTH FUNDGroup Superannuation, Gratuity and Leave Encashment

0.120.120.730.360.230.14

0.690.410.28

57.01

0.280.26

Sovereign

SovereignSovereignSovereignSovereign

AAAAAA

SovereignSovereignSovereign

AAAAAA

0.020.330.330.170.178.213.722.800.930.760.500.500.930.870.06


ULGF00410/03/2006GROUPGROWT122

EQUITIES


CORPORATE BONDS



Aviva Investor

IDBI Bank Ltd. 9.67

State Bank of Patiala 9.28

Axis Bank Ltd. 8.89Oriental Bank of Commerce Ltd. 8.82Canara Bank Ltd. 8.80Andhra Bank 8.76ICICI Bank Ltd. 5.27

COMMERCIAL PAPERSReliance Capital Ltd. 9.57

Total 69.06

MONEY MARKE 78


As on June 30, 2015

Absolute Return

Portfolio return 8.7% 8.5% 8.9% 8.7% 8.6% 8.1%Benchmark** 7.7% 8.7% 8.9% 8.8% 9.2% 8.8%


A1+

Since inception

Last 5 years

Last 2 years

Last 1 year

Last 4 years

Last 3 years

**Benchmark return is CRISIL Liquid Fund Index Return


CAGR Return

June 2015

PENSION CASH FUND Portfolio as on June 30, 2015

To safeguard the nominal value of the investments.A1+

A1+

A1+

A1+A1+A1+A1+


Portfolio Return


Security Net Asset % Rating ULGF00531/03/2006GROUPCASHF122



8 10 12 14 16 18 20 22

Mar

-06

Mar

-07

Feb-

08

Jan-

09

Dec-

09

Nov

-10

Oct

-11

Sep-

12

Aug-

13

Jul-1

4

Jun-

15


CERTIFICATE OF DEPOSITS

CASH AND EQUIVALENTS* 30.94%


Asset Mix

Aviva Investor

Andhra Bank 38.51

ICICI Bank Ltd. 19.73

Axis Bank Ltd. 15.02Oriental Bank of Commerce Ltd. 9.70Canara Bank Ltd. 4.84ICICI Bank Ltd. 2.89

COMMERCIAL PAPERSReliance Capital Ltd. 4.94Total 95.63

MONEY MARKE 100


As on June 30, 2015

Absolute Return

Portfolio return 7.6% 8.2% 8.8% 8.5% 8.7% 8.0%Benchmark** 7.6% 8.5% 8.8% 8.8% 9.2% 8.8%


Since inception

Last 5 years

Last 2 years

Last 1 year

**Benchmark for this fund is CRIISL Liquid Fund Index

Last 4 years

Last 3 years


CAGR Return

June 2015

PENSION SHORT TERM DEBT FUND Portfolio as on June 30, 2015

The investment objective of this fund is to provide security to investments withprogressive returns. A1+

A1+

A1+

A1+A1+A1+A1+


Portfolio Return

NAV Movement Inception Date - February 12,2009

Security Net Asset % Rating ULGF00613/02/2009GROUPSDEBT122



8 10 12 14 16 18

Feb-

09

Oct

-09

May

-10

Jan-

11

Aug-

11

Apr-

12

Nov

-12

Jul-1

3

Mar

-14

Oct

-14

Jun-

15


CERTIFICATE OF DEPOSITS

CASH AND EQUIVALENTS* 4.37%


Asset Mix

Aviva Investor

8.28% GOI 2027 18.46

7.16% GOI 2023 8.63

Total 27.09


GOVERNMENT 27.09MONEY MARK 72.91

As on June 30, 2015

Absolute Return

Portfolio return 9.0% 9.0% 9.1% 9.0% 8.3%Benchmark 8.8% 8.8% 8.8% 9.2% 8.8%


Last 4 years

Last 3 years


CAGR Return

June 2015

PENSION INCOME FUND Portfolio as on June 30, 2015

To provide returns by investing in safe funds with progressive returns.Sovereign

Sovereign

Since inception

Last 2 years

Last 1 year


Portfolio Return


Security Net Asset % Rating ULGF00728/03/2011GROUPINCOM122

The risk profile for this fund is Medium

• Government Securities 0%-30% • Corporate Bonds 0%-100% • Other Approved Fixed Income Instruments 0%-100% • Money Market 0%-40%

8

10

12

14

16

Mar

-11

Aug-

11

Jan-

12

Jun-

12

Nov

-12

May

-13

Oct

-13

Mar

-14

Aug-

14

Jan-

15

Jun-

15





Asset Mix

Aviva Life Insurance Company India LimitedAviva Tower, Sector Road, Opp. Golf Course, Sector 43, Gurgaon, Haryana -122 003 Tel: +91(0) 124 270 9000-01, Fax: +91(0) 124 257 1214

Registered O ce: 2nd Floor, Prakashdeep Building, 7 Tolstoy Marg, New Delhi - 110 001

www.avivaindia.com Life Insurance

4 IRDAI Registration Number: 122

Disclaimer

A Joint Venture between Dabur Invest Corpand

Aviva International Holdings Limited

CIN: [email protected]

Disclaimer CAGR- Compounded Annualised Growth Rate

Benchmark Indices Provided by CRISIL

The composite indices are computed based on notional Asset allocation (weights for sub indices) provided by Aviva from time to time. Such weights for the sub indices would impact the return of the composite index. CRISIL does not take responsibility of variations in the returns due to such changes in weights for sub indices. CRISIL Indices are the sole property of CRISIL Limited (CRISIL) indices shall not be copied, retransmitted or redistributed in any manner for any commercial use. CRISIL has taken due care and caution in computation of indices, based on data obtained for any errors or for the results obtained from the

0 1 2 4 - 2 7 0 9 0 4 61 8 0 0 - 1 0 3 - 7 7 6 6

Aviva Trade logo displayed above belongs to Aviva Brands Limited and is used by Aviva Life Insurance Company India Limited under License.

Advt. No. Sep 13/15

“Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions, please read sales brochures carefully before concluding a sale. Tax benefits are as per applicable tax laws which are subject to change. Unit linked Life Insurance products are different from traditional insurance products and are subject to risk factors. The premium paid in unit-linked life insurance policies are subject to investment risks 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. The insured is responsible for his/her decisions. Aviva Life Insurance Company India Limited is only the name of the Insurance Company and the various funds offered under this contract are the names of the unit linked life insurance contract and 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 sales representative or the Intermediary or policy document issued by the insurance company. The premiums and funds are subject to certain charges related to the fund or to the premium paid and there is a possibility of increase in charges. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Unit-linked funds are subject to market risks and there is no assurance or guarantee that the objective of the investment fund will be achieved. Past performance of the investment funds is not indicative of future returns. Investors in the scheme are not being offered any guaranteed/ assured results.”

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS or FRAUDULENT OFFERS. IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

june, 2015 - aviva india · the linked insurance products do not offer any liquidity during the...

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