Introduction

Aditya Birla Financial Services Group (ABFSG):

Aditya Birla Financial Services Group (ABFSG) ranks among the top 5 fund managers in India (excluding
LIC) with an AUM of USD 20.4 billion. Having a strong presence across the life insurance, asset
management, NBFC, private equity, retail broking, distribution & wealth management, and general
insurance broking businesses, ABFSG is committed to serve the end-to-end financial services needs of its
retail and corporate customers.

The seven companies representing ABFSG are: Birla Sun Life Insurance Company Ltd., Birla Sun Life Asset
Management Company Ltd., Aditya Birla Finance Ltd., Aditya Birla Capital Advisors Pvt. Ltd., Aditya Birla
Money Ltd., Aditya Birla Money Mart Ltd. and Aditya Birla Insurance Brokers Ltd.

In FY 2018-19, ABFSG reported consolidated revenue from these businesses at Rs. 5607 Crore (USD 1.1
billion) and earnings before tax at Rs. 1328 Crore. Anchored by about 13,000 employees and trusted by
over 5.3 million customers, ABFSG has a nationwide reach through 1,500 points of presence and about
130,000 agents / channel partners.

Birla Sun Life Asset Management Company Ltd. (BSLAMC):

Birla Sun Life Asset Management Company Ltd. (BSLAMC), the investment manager of Birla Sun Life
Mutual Fund, is a joint venture between the Aditya Birla Group and the Sun Life Financial Inc. of Canada.
The joint venture brings together the Aditya Birla Group's experience in the Indian market and Sun Life's
global experience.

Birla Sun Life Asset Management Company has one of the largest team of research analysts in the
industry, dedicated to tracking down the best companies to invest in. BSLAMC strives to provide
transparent, ethical and research-based investments and wealth management services.
Birla Sun Life Mutual Fund:

Established in 1994, Birla Sun Life Mutual fund has emerged as one of India's leading flagships of Mutual
Funds business managing assets of a large investor base.

Our solutions offer a range of investment options, including diversified and sector specific equity
schemes, fund of fund schemes, hybrid and monthly income funds, a wide range of debt and treasury
products and offshore funds.

Birla Sun Life Insurance Company Limited (BSLI):

Established in 2000, Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the
Aditya Birla Group, a well-known and trusted name globally amongst Indian conglomerates and Sun Life
Financial Inc, leading international financial services organization from Canada. The local knowledge of
the Aditya Birla Group combined with the domain expertise of Sun Life Financial Inc., offers a formidable
protection for its customers' future.

With an experience of over 10 years, BSLI has contributed significantly to the growth and development
of the life insurance industry in India and currently ranks amongst the top 6 private life insurance
companies in the country

Birla Sun Life Insurance Company Limited (BSLI) is a joint venture between the Aditya Birla Group, a
well-known Indian conglomerate and Sun Life Financial Inc., one of the leading international financial
services organisations from Canada. With an experience of over a decade, BSLI has contributed to the
growth and development of the Indian life insurance industry, and currently is one of the life insurance
companies in the country. BSLI offers a complete range of offerings, comprising of protection solutions,
children's future solutions, wealth with protection solutions, health and wellness solutions, as well as
retirement solutions; it has an extensive distribution reach of over 500 cities through its network of over
550 branches, over 1,05,000 empanelled advisors, and over 100 partnerships with corporate agents,
brokers and banks.
2.2 The organization:

The Aditya Birla Group

The Aditya Birla Group is one of India's largest business houses. Global in vision, rooted in Indian values,
the Group is driven by a performance ethic pegged on value creation for its multiple stakeholders.

The Group operates in 26 countries – India, UK, Germany, Hungary, Brazil, Italy, France, Luxembourg,
Switzerland, Australia, USA, Canada, Egypt, China, Thailand, Laos, Indonesia, Philippines, UAE, Singapore,
Myanmar, Bangladesh, Vietnam, Malaysia, Bahrain and Korea.

A US $29 billion corporation in the League of Fortune 500, the Aditya Birla Group is anchored by an
extraordinary work force of 130,000 employees, belonging to 40 different nationalities. Over 60 per cent
of its revenues flow from its operations across the world.

The Aditya Birla Group is a dominant player in all its areas of operations viz; Aluminium, Copper,
Cement, Viscose Staple Fibre, Carbon Black, Viscose Filament Yarn, Fertilisers, Insulators, Sponge Iron,
Chemicals, Branded Apparels, Insurance, Mutual Funds, Software and Telecom. The Group has strategic
joint ventures with global majors such as Sun Life (Canada), AT&T (USA), the Tata Group and NGK
Insulators (Japan), and has ventured into the BPO sector with the acquisition of TransWorks, a leading
ITES/BPO company.

Group Companies of Aditya Birla:

• Aditya Birla Capital Advisors Private Limited

• Aditya Birla Chemicals (India)Limited

• Aditya Birla Chemicals (Thailand) Limited

• Aditya Birla Finance Limited

• Aditya Birla Insurance Brokers

• Aditya Birla Minacs Worldwide Limited

• Aditya Birla Minerals

• Aditya Birla Money Mart Limited

• Aditya Birla Money Limited

• Aditya Birla Nuvo Limited

• Aditya Birla Retail

• Aditya Birla Science and Technology Company Limited

• Alexandria Carbon Black Company SAE

• Alexandria Fiber Company SAE

• Birla Jingwei Fibres Company Limited

• Birla Laos Pulp and Plantations Company Limited

• Birla Sun Life Asset Management Company Limited

• Birla Sun Life Insurance

• Dahej Harbour & Infrastructure Limited

• Hindalco industries

• Domsjö Fabriker

• Essel Mining and Industries

• Grasim Industries Limite

• Idea Cellular Limited

• Indo Phil Cotton Mills

• Indo Phil Textile Mills

• Indo Thai Synthetics

• Liaoning Birla Carbon Company Limited

• Novelis Inc.

• Pan Century Surfactants Inc.

• PT Elegant Textile Industry

• PT Indo Bharat Rayon

• PT Indo Liberty Textiles

• PT Indo Raya Kimia

• PT Sunrise Bumi Textiles

• Swiss Singapore Overseas Enterprises Pte Limited

• Thai Acrylic Fibre

• Thai Carbon Black

• Thai Rayon

• UltraTech Cement Limited

• Utkal Alumina International Limited

• Pantaloons Fashion & Retail

Sun Life Financial

Sun Life Financial is a leading international financial services organization providing a diverse range of
protection and wealth products and services to individuals and corporate customers. Sun Life Financial
and its partners have operations in key markets worldwide, including Canada, the United States, the
United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China, Australia,
Singapore, Vietnam, Malaysia and Bermuda. As of March 31, 2014, the Sun Life Financial group of
companies had total assets under management of $671 billion. For more information please visit
www.sunlife.com.

Vision: To be a leader and role model in a broad based and integrated financial services business.

Mission: To help people mitigate risks of life, accidents, health and money at all stages and under all
circumstances.

Values:

• Integrity

• Commitment

• Passion

• Seamlessness

• Speed

2.2.1 Products:

Birla Sun life mutual fund and insurance services are a part of Aditya Birla Financial Services (ABFS).

They offer a range of financial solutions across our nine lines of businesses.

• Asset Management
• Broking

• General Insurance Broking

• Life Insurance

• NBFC

• Online Money Management

• Private Equity

• Project & Structured Finance

• Wealth Management & Distribution

Mutual Funds

Mutual Funds give you access to Indian equity and debt securities. We offer you advice on the entire
universe of mutual funds:

• equity funds – growth or capital appreciation

• debt funds – capital preservation

PMS - Portfolio Management System is a unique way to build a customized portfolio of Indian equities.
At Aditya Birla Money, we act as authorized distributors for various PMS providers to meet the growing
needs of investors and expand a portfolio beyond equities and bonds.

Direct Equity - Aditya Birla Money offers you convenient, simple and efficient trading in Indian equities.
We provide you with a seamless platform to invest in the Indian secondary

markets. Your Wealth Management advisor will provide you valuable advice based on our inhouse
research.

Structured Products – ABM brings you customized investment solutions, giving you access to various
asset classes. Unlike most other structures, returns can be linked to a variety of asset types such as
equity indices, basket of stocks, and commodities.

Alternate Asset Products - Even if your interests lie beyond the stock market, Aditya Birla Money has a
solution for you. Through our distribution tie-ups, we offer a wide range of Private Equity Fund (which
invest in unlisted securities) to give you the opportunity of investing in the growing Indian economy.
With these products and investment strategy, you can preserve your capital, ensure risk protection,
leverage and diversify.

Real Estate - If your interests lie in real estate, we offer niche property investment services. We bring in
a combination of in-depth market knowledge and real estate industry expertise to offer a range of
specialized real estate investment services. We provide expert advice and innovative real estate
solutions tailor made to your needs and objectives
Loan against Securities and Mutual Funds - Our tie-up with Aditya Birla Finance lets you use your share
investments as security against borrowing. This way, you are able to investment more, and increase the
size of your overall portfolio.

Gold - A healthy portfolio is about diversification and risk management. To this end, we offer multiple
avenues of investing in gold. Holding gold in a portfolio can provide distinct benefits, as it is not
correlated with most other assets.

Life Insurance - While offering solutions for building and preserving capital, your Relationship Manager
will offer you comprehensive advice on how best to provide for financial protection to loved ones and
cover risks and uncertainties.

Our affiliation with Birla Sun Life Insurance provides the opportunity to obtain even more favourable
offers, which can result in lower costs and greater benefits. Our Policy Analyst ensures that the planning
you’ve previously done remains current and competitive.

Services offered:

• Research

• Online Portfolio Access

• Financial Planning

• Regular Portfolio Review

• Wealth Creation

• Tax Savings

Research - Our quality research provides clients with the information they need to make informed
investment decisions. The Aditya Birla Money research team is dedicated to keeping you updated with
access to the latest publications and a wide range of industry happenings including: market depth,
breaking commentary, long-term forecasts, detailed daily updates and the latest financial news.

Highly proactive services - Our service includes Daily Market Update, Weekly update on mutual Funds
and Event Based SMS to keep you completely informed on the markets.

Online Portfolio Access - Wherever you are, our network works for you. The online portfolio ensures
every detail of your investments is at your fingertips. You can constantly monitor the composition of
your portfolio, so you always know if your long term objectives are being met.

Financial planning - We offer a comprehensive financial planning session to help devise your investment
strategy. This is followed by complimentary personalized report outlining specific recommendations on
the step-by-step actions you need to take to achieve your financial goals.
Regular Portfolio Reviews - Your portfolio undergoes regular reviews to ensure your money is constantly
working in your best interest, keeping your personal financial goals in sight.and towards your personal
financial goal.

Services offered:

• Research

• Online Portfolio Access

• Financial Planning

• Regular Portfolio Review

• Wealth Creation

• Tax Savings

Research - Our quality research provides clients with the information they need to make informed
investment decisions. The Aditya Birla Money research team is dedicated to keeping you updated with
access to the latest publications and a wide range of industry happenings including: market depth,
breaking commentary, long-term forecasts, detailed daily updates and the latest financial news.

Highly proactive services - Our service includes Daily Market Update, Weekly update on mutual Funds
and Event Based SMS to keep you completely informed on the markets.

Online Portfolio Access - Wherever you are, our network works for you. The online portfolio ensures
every detail of your investments is at your fingertips. You can constantly monitor the composition of
your portfolio, so you always know if your long term objectives are being met.

Financial planning - We offer a comprehensive financial planning session to help devise your investment
strategy. This is followed by complimentary personalized report outlining specific recommendations on
the step-by-step actions you need to take to achieve your financial goals.

Regular Portfolio Reviews - Your portfolio undergoes regular reviews to ensure your money is constantly
working in your best interest, keeping your personal financial goals in sight.and towards your personal
financial goal.