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Value Research

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Fundcard

Reliance Tax Saver

Value Research Fund Rating as on Nov 30, 2010

Open-end and Equity: Tax Planning

Risk Grade – Average

Return Grade – Average

NAV – Rs. 21.91 as on Dec 24, 2010

Net Assets – Rs. 2461.9 crore as on Sep 30, 2010

The contents of this Value Research Fund Card (the "Fund Card") published by Value Research India Private Limited are not intended to serve as professional advice
or guidance and the publisher takes no responsibility or liability, express or implied, whatsoever for any investment decisions made or taken by the readers of this
Fund Card based on its contents thereof. You are strongly advised to verify the contents before taking any investment or other decision based on the contents of this
Fund Card. The Fund Card is meant for general reading purposes only and is not meant to serve as a professional guide for investors. The readers of this Fund Card
should exercise due caution and/or seek independent professional advice before entering into any commercial or business relationship or making any investment deci-
sion or entering into any financial obligation based on any information, statement or opinion which is contained, provided or expressed in this Fund Card.
The Fund Card contains information, statements, opinions, statistics and materials that have been obtained from sources believed to be reliable and the publishers
of the Fund Card have made best efforts to avoid any errors and omissions, however the publishers of this Fund Card make no guarantees and warranties whatso-
ever, express or implied, regarding the timeliness, completeness, accuracy, adequacy, fullness, functionality and/or reliability of the information, statistics, statements,
opinions and materials contained and/or expressed in this Fund Card or of the results obtained, direct or consequential, from the use of such information, statistics,
statements, opinions and materials. The publishers of this Fund Card do not certify and/or endorse any opinions contained, provided, published or expressed in this
Fund Card. All disputes shall be subject to the jurisdiction of Delhi courts only.
Reliance Tax Saver
Rating: Fund Performance Vs Fund Performance Vs S&P CNX Nifty
Risk: Average
Return: Average

Fund
S&P CNX Nifty
(Rebased to 10,000)

History 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
NAV (Rs) - - - - - 10.96 14.74 20.99 10.00 18.20 21.91
Total Return (%) - - - - - - 34.49 42.40 -52.35 82.01 20.34
+/- S&P CNX Nifty - - - - - - -5.34 -12.37 -0.56 6.25 4.76
+/- BSE 100 - - - - - - -6.48 -17.34 2.93 -3.03 6.99
Rank (Fund/Category) - - - - - - 8/23 21/26 10/29 17/32 13/37
52 Week High (Rs) - - - - - - 14.74 20.99 21.33 18.20 24.14
52 Week Low (Rs) - - - - - - 9.16 12.89 8.98 8.53 17.30
Net Assets (Rs.Cr) - - - - - 846.41 1481.78 2548.62 1325.32 2154.03 2442.56
Expense Ratio (%) - - - - - 2.13 1.99 1.91 1.91 1.91 1.88

Top Holdings Quarterly Returns (%)


Company Sector P/E YTD % Assets Q1 Q2 Q3 Q4 Year

State Bank of India Financial 19.60 21.39 7.59 2010 2.85 6.10 17.04 - -
Eicher Motors Automobile 82.60 80.70 4.91 2009 -2.88 45.57 17.18 9.86 82.01
ICICI Bank Financial 29.70 27.79 4.19 2008 -33.21 -13.12 -0.44 -17.52 -52.35
Tata Consultancy Services Technology 35.10 52.14 3.63 2007 -9.84 15.43 13.75 20.29 42.40
Indian Metals & Ferro Alloys Metals 10.10 9.73 3.43 2006 21.72 -18.67 17.42 15.70 34.49
Siemens Engineering 31.60 39.05 3.08
ONGC Energy 18.00 9.94 2.98 Trailing Returns (%)
Cummins India Engineering 25.40 74.85 2.84 Return Rank S&P CNX SIP
Federal Mogul Goetze Automobile 38.80 15.98 2.80 Fund Category Fund/Cat Nifty Return
HDFC Bank Financial 30.00 30.33 2.75 Year-to-Date 20.34 16.61 13/37 15.58 40.36
Aventis Pharma Healthcare 28.20 9.84 2.71 3-Month -5.09 -2.51 34/37 -0.11 65.97
Info Edge (India) Services 51.60 46.89 2.60 6-Month 12.02 11.05 19/37 12.99 42.25
Bajaj Finance Services Financial 2.47 1-Year 22.91 17.18 9/36 16.09 38.78
Swaraj Engines Engineering 15.90 45.24 2.47 2-Year 49.93 46.71 11/30 43.56 48.52
Oil India Energy 13.10 12.84 2.39 3-Year 2.78 -0.32 10/29 0.15 26.14
Madras Cements Construction 16.80 -5.46 2.36 5-Year 15.34 14.42 11/23 16.47 -
Swaraj Mazda Automobile 21.30 27.54 2.24 7-Year - -
- - -
Triveni Engineering Diversified 61.80 4.19 2.07 10-Year - - - - -
Power Finance Corp. Services 15.00 23.36 2.05 Return less than 1-year are absolute and over 1 year are annualised
Punjab National Bank Financial 8.80 33.89 1.92
VA Tech Wabag Engineering 36.00 1.91 Top 10 Sector Weights (%) Risk Analysis
HPCL Energy 13.40 2.30 1.80 Volatility Measurements
Fund Nifty
BPCL Energy 16.50 6.26 1.77
Financial 18.92 19.18 Standard Deviation 33.05
Torrent Power Energy 11.90 -18.04 1.73
Others Others 9.32 Engineering 13.00 3.90 Sharpe Ratio 0.19
Automobile 11.18 6.47 Beta 0.93
FUND STYLE Energy 10.67 28.15 R-Squared 0.92
Portfolio Characteristics Investment Style Services 7.02 - Alpha 4.34
Growth Blend Value
Total Stocks 38 Construction 5.84 2.52
Large Medium Small

Avg Mkt Cap (Rs.Cr) Composition (%)


Capitalisation

10433 Healthcare 5.43 3.51


Portfolio P/B Ratio 4.16 Metals 5.03 8.36 Equity 94.50
Portfolio P/E Ratio 30.18 Technology 3.63 14.14 Debt 0.00
3Y Earnings Growth (%) - Diversified 3.46 3.89 Cash 5.50
Returns as on Returns as on December 24, 2010, Portfolio related data as on November 30, 2010

Value Research
w w w. v a l u e r e s e a r c h o n l i n e . c o m
Best Performance Value Research Analysis Fund Objective & Strategy
YEAR 115.40%
Analysis not available The scheme aims to generate
long-term capital appreciation
from a portfolio that is
invested predominantly in
equity and equity related
instruments.
QUARTER 72.48%

MONTH 30.64%

Portfolio Manager
Ashwani Kumar
Since Aug 2005
Worst Performance
YEAR -53.63%

Experience

QUARTER -35.57%

MONTH -34.31%

Investment Information
AMC : Reliance Capital Asset Management Ltd Min Investment (Rs.) : 500
Website : www.reliancemutual.com Min SIP Investment (Rs.) : 500
Registrar : Karvy Computershare Pvt Ltd. Entry Load : Nil
Launch : August 2005 Exit Load : Nil
Benchmark : BSE 100
All the graphs are rebased to 10,000 Plans (NAV) : Dividend (17.08) , Growth (21.91)

NAV S&P CNX Nifty

Value Research
w w w. v a l u e r e s e a r c h o n l i n e . c o m
How to Read the Fundcard - Equity

Value Research Rating, Risk and Return


z Fund Rating — The Value Research Fund Rating is a 1 to 5 star rating that is based on the returns that an equity fund has generated over the pre-
vious three and five years, while taking into account the risks that the fund has taken. This rating is relative to other fund of the same type.
z Risk Grade — A five-step grading of the riskiness of a fund, based on the losses it has suffered during the past five years. This grade is relative to
other fund of the same type.
z Returns Grade — A five-step grading of the returns of a fund. This grade is relative to other fund of the same type.

History
Fund Performance Vs Index
Data on the fund’s performance Birla Sun Life Frontline Equity Fund
since its launch. Graph of how an investors’ money
Rating:  Fund Performance Vs S&P CNX Nifty
z NAV (Year End) — The last Risk: Low 90000
would have grown in the fund since
NAV of each year. Return: Above Average its launch. A similar graph of the
70000
z Total Return — The percent- Fund
fund’s benchmark index is also
age returns that an investor S&P CNX Nifty
50000
given. For ease of comparison,
would have got over the (Rebased to 10,000) 30000 both have been adjusted to start at
year. 10000
10,000.
z +/- — In the given year, a History 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008

comparison of the fund’s NAV (Rs) - - - - 10.33 19.71 23.94 33.94 50.13 81.34 41.89
Total Return (%) - - - - - 90.80 21.46 41.77 47.70 62.26 -48.50
returns with that of two stock +/-S&P CNX Nifty (%) - - - - - 18.90 10.78 5.43 7.87 7.49 3.29
market indices +/-BSE 200 (%) - - - - - -3.67 5.77 7.97 8.12 1.82 7.96
Rank (Fund/Category) - - - - - 54/70 50/79 65/101 27/145 71/162 34/192
z Rank — The fund’s perform- 52 Week High (Rs) - - - - 10.33 19.71 23.94 33.94 50.76 81.46 83.52
ance rank within its category 52 Week Low (Rs) - - - - 8.84 9.91 16.36 22.34 32.26 46.06 36.49
Net Assets (Rs.Cr) - - - - 51.40 15.15 9.11 140.54 124.74 374.84 343.03
for the year and the total Expense Ratio (%) - - - - 2.49 2.50 2.50 2.50 2.50 2.35 2.31
number of funds out of Top Holdings Quarterly Returns (%) Quarterly Returns (%)
which it has been ranked. Company Sector P/E 2008 Ret % Assets Q1 Q2 Q3 Q4 Year

z 52-Week NAV Range — The Bharti Airtel Communication 18.56 -28.10 6.49 2008 -24.24 -14.18 -2.23 -18.97 -48.50 The funds’ returns over each quar-
Reliance Industries Energy 11.50 -57.30 5.42 2007 -1.42 14.53 16.01 23.88 62.26
highest and the lowest NAV ONGC Energy 8.31 -46.00 4.50 2006 19.42 -7.25 19.39 11.70 47.70
ter of the last five years, along with
that the fund recorded dur- HDFC Bank Financial 20.67 -42.26 3.93 2005 -0.04 6.52 23.26 8.02 41.77 the entire year’s returns.
HDFC Financial 17.10 -48.21 3.51 2004 0.71 -13.50 15.08 21.15 21.46
ing that year Satyam Computer Services Technology 7.86 -62.12 3.16
ITC FMCG 21.00 -18.47 2.72 Trailing Returns (%)
z Net Assets — The total Axis Bank Financial 10.42 -47.82 2.70 Return Rank S&P SIP
amount of investor’s assets Infosys Technologies Technology 14.29 -36.79 2.64 Fund Category Fund/Cat CNX Nifty Return
United Spirits FMCG 23.26 -55.48 2.34 Year-to-Date -48.50 -55.29 34/192 -51.79 -40.18
that the fund was managing ICICI Bank Financial 9.49 -63.62 2.26 3-Month -18.97 -22.88 41/213 -24.53 -0.86
at the end of the year. Dr. Reddy's Lab
State Bank of India
Health Care
Financial
13.61
9.39
-36.12
-45.67
2.19
2.13
6-Month
1-Year
-20.78 -27.09
-48.50 -55.29
38/209
34/192
-26.76
-51.79
-33.43
-40.18
Trailing Returns (%)
z Expense Ratio — The per- Crompton Greaves Engineering 12.29 -65.84 2.12 2-Year -8.59 -16.06 22/158 -13.63 -24.19

centage of the average daily


Indian Oil Energy -- -46.33 1.95 3-Year 7.27 -1.39 12/134 1.42 -9.43 Performance data for various stan-
Cipla Health Care 22.87 -12.09 1.70 5-Year 16.27 12.91 19/67 9.50 9.90
assets that the fund charged Sterlite Industries Metals 11.81 -74.80 1.61 7-Year - - - - -
dard periods. All returns are in per-
as its management expens-
Reliance Communications
Jindal Steel & Power
Communication
Metals
22.87
7.07
-69.56
-70.31
1.51
1.46
10-Year - - - - - centage. Periods greater than a
Return less than 1-year are absolute and over 1 year are annualised
es during the year. Larsen & Toubro Diversified 17.65 -62.88 1.43
Top 10 Sector Weights (%) Risk Analysis year are annualised, shorter peri-
Zee Entertainment Services 16.01 -57.45 1.41
CESC Energy 6.21 -62.11 1.37 Fund Nifty Volatility Measurements ods are not.
Tata Consultancy Services Technology 12.79 -55.87 1.36 Financial 16.24 11.90 Standard Deviation 28.32 z Fund — The fund’s own
ING Vysya Bank Financial 8.89 -50.78 1.35 Energy 14.67 37.49 Sharpe Ratio 0.21
Nestle India FMCG 26.11 -3.14 1.23 Communication 8.00 11.34 Beta 0.88
returns.
Top Holdings Portfolio Characteristics FUND STYLE
Technology
FMCG
7.16
6.29
10.95
6.85
R-Squared 0.96 z Category — The average
Investment Style
Alpha 4.77
Total Stocks 39
Growth Blend Value Health Care 5.00 2.74 returns for all funds in the cate-
A detailed report on the latest Engineering 4.01 5.26
Large Medium Small

Composition (%)
Avg Mkt Cap (Rs.Cr) 28180 gory.
Capitalisation

investment portfolio that the fund Portfolio P/B Ratio 3.03


Metals 3.07 4.43
Equity 71.37
Services 2.93 0.28
z Rank — The funds rank, out of
is holding. For each company, Portfolio P/E Ratio 13.70 Diversified 1.43 2.97 Debt 18.46
3Y Earnings Growth (%) 9.80 Cash 10.17 the total number of funds in the
the sector, the P/E ratio, and the Returns as on 31st December 2008, Portfolio related data as on 30th November 2008
category
year’s returns are given. Also
z Index — The returns of the
stated is the percentage of the
fund’s benchmark index.
fund’s investments that are
z SIP Return (Annualised) —
invested in that company.
The return that an investor
would have made by investing
in the fund’s monthly systemat-
Portfolio Characterstics Fund Style Top 10 Sector Composition (%) ic investment plan over the
Aggregate measures regarding A nine-cell matrix of the overall style Weights (%) The proportion of
period.
the fund’s investments. The mar- of investment that the fund follows, The percentage of the fund’s holdings
ket capitalisation, P/B ratio and based on its latest portfolio. On the the equity invest- that are held in
P/E ratio are weighted averages vertical axis, the three steps denote ments of the fund each of the three
of the latest numbers of the com- the weighted average market capital- that fall under each basic types of
panies that the fund is invested isation of the fund’s investments. The sector of the econo- assets. Risk Analysis
in. Three Year Earnings Growth horizontal axis denotes, on a weight- my. The top 15 sec-
is the weighted average of the ed average basis, whether the com- tors for each fund A range of statistical measures that
compounded average growth in panies that the fund has invested in are given. can be used to evaluate the per-
the net profits of each company. are value stocks, growth stocks, or a formance, risk, and return of a
blend of the two. mutual fund.
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