December 2012 - Sahara Mutualsaharamutual.com/downloads_files/facsheets/DECEMBER 12 - FACT.pdf ·...

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Facts December 2012


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Mutual Fund investments are subject to market risks, read all Scheme related Documents carefully.

Tax Savings

Growth

(An Open ended Equity linked Saving Scheme)

• Avail Sec. 80C benefits on investment up to ` 1 Lakh.

• Dividends are Tax free in the hands of the investor.

• For online Investments, visit www.saharamutual.com


17.14

8.92

6.50

6.20

6.155.874.63

3.74

3.47

3.41

3.01

2.93

2.81

2.74

2.58

2.56

2.49

2.011.98

1.961.92

1.811.25 3.91 Banks Consumer Non Durables Pharmaceuticals Finance Consumer Durables Construction Project Auto Ancillaries Power Retailing Auto Engineering Services Oil Minerals/Mining Industrial Products Services Petroleum Products Software Cement Media & Entertainment Hotels Chemicals Paper Industrial Capital Goods Other- Current Assets

Systematic Investment Plan (SIP) - AUTO DEBIT/ECS FACILITY AVAILABLEMonthly 6 post-dated cheques for minimum of ` 500 each and in multiples of ` 500Quartery 4 post-dated cheques for minimum of ` 500 each and in multiples of ` 500Load Structure (SIP)Entry Load NAExit Load 1%- If redeemed on or before 3 year from the date of allotment.

Service tax on exit load, if any, shall be paid out of the exit load proceeds and exit load net of service tax, if any, shall be credited to the scheme

FUND MANAGERName Designation Experience (Years)

Naresh Kumar Garg Chief Investment Officer 22 yrs (7.5 yrs in Sahara Tax Gain Fund)A N Sridhar Fund Manager 22 yrs (5.5 yrs in Sahara Tax Gain Fund)

Date Of Inception 01/04/1997 Total Expenses Ratio (%) 2.50Portfolio Turnover Ratio (%) 190.99 AUM (In ` Lakhs) 1237.98Holdings in Top 10 Scrips (%) 29.89

NAV AS ON 30.11.2012Growth Option ` 39.7762 Dividend Option ` 14.9285

DIVIDENDRecord Date Rate Face Value Cum Dividend NAV (`)01.03.2011 ` 2.50 per unit ` 10.00 15.8112.03.2010 ` 4.00 per unit ` 10.00 18.3829.03.2008 ` 7.50 per unit ` 10.00 20.7524.03.2006 ` 2.50 per unit ` 10.00 19.4023.03.2005 ` 20.00 per unit ` 10.00 66.7519.01.2005 ` 10.00 per unit ` 10.00 70.61

Past performance may or may not be sustained in future. Pursuant to payment of dividend, the NAV of the dividend option will fall to the extent of payout and statutory levies if any.

Bonus History (Record Date - Aug 29, 2005)Growth Option: 7:1 Dividend Option: 3:1

Statistical Measures (For trailing 3 years Period) (as on 30.11.2012)Sharpe Ratio (0.0067) Beta 0.8463STDEV (%) 17.28% Rsquare 0.89921 Risk Free rate is based on 1 year T-Bill rate.

Minimum Application Amount ` 500 and additional amount in multiples of ` 500.

OPTIONS Growth Dividend including Dividend Re-investmentLoad StructureEntry Load NAExit Load 1% If redeemed on or before 36 months, NIL If redeemed after 36 months.

INDUSTRYWISE ASSET DISTRIBUTION (%)

PORTFOLIO AS ON 30.11.2012Name of the Instrument Industry % of NAV

Shoppers Stop Limited. Retailing 3.47Oriental Bank of Commerce Banks 3.27The Federal Bank Limited Banks 3.11Va Tech Wabag Ltd. Engineering Services 3.01Cairn India Ltd. Oil 2.93Allahabad Bank Banks 2.90Motherson Sumi Systems Ltd. Auto Ancillaries 2.82Tata Global Beverages Ltd. Consumer Non Durables 2.82Coal India Ltd. Minerals/Mining 2.81Paper Products Ltd Industrial Products 2.74ICICI Bank Ltd Banks 2.67Aditya Birla Nuvo (Indian Rayon) Services 2.58HDFC Ltd Finance 2.58Reliance Industries Ltd Petroleum Products 2.56Tech Mahindra Ltd Software 2.49Bank Of Baroda Banks 2.46Ranbaxy Labaratories Ltd. Pharmaceuticals 2.44Glenmark Pharmaceuticals Ltd Pharmaceuticals 2.38DCM Shriram Consolidated Ltd Consumer Non Durables 2.32L & T Finance Holdings Ltd Finance 2.31Whirlpool Of India Ltd Consumer Durables 2.14Mahindra Lifespace Developers Ltd Construction Project 2.04Bata India Ltd. Consumer Durables 2.01Ultratech Cement Ltd. Cement 2.01TTK Prestige Ltd. Consumer Durables 2.00Den Networks Ltd. Media & Entertainment 1.98Mahindra Holiday & Resorts Ltd. Hotels 1.96Jyothy Laboratories Ltd. Consumer Non Durables 1.96BGR Energy Systems Limited. Construction Project 1.95Pidilite Industries Ltd. Chemicals 1.92Power Grid Corporation Of India Ltd. Power 1.90Voltas Ltd. Construction Project 1.88Maruti Suzuki India Ltd. Auto 1.85NTPC Ltd Power 1.84Hindustan Unilever Ltd. Consumer Non Durables 1.83Lumax Industries Ltd. Auto Ancillaries 1.81Tamil Nadu Newsprint & Papers Ltd. Paper 1.81Union Bank of India Banks 1.76Lupin Ltd. Pharmaceuticals 1.67Bajaj Auto Ltd. Auto 1.56Rane Holdings Ltd. Finance 1.32Voltamp Transformers Ltd. Industrial Capital Goods 1.25State Bank of India Banks 0.96Equity Total 96.09Other- Current Assets 3.91Grand Total 100.00

Returns as on 30.09.2012CAGR

RETURNS (%) ` 10,000 CAGR

RETURNS ABSOLUTE RETURNS % ` 10,000 ABSOLUTE RETURNS

Scheme / Duration

SinceInception

SinceInception

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010Tax Gain Fund 24.88 313550.40 14.87 (15.57) 27.38 11487.11 8443.15 12738.05

BSE 200 13.30 69327.93 13.77 (19.85) 20.79 11377.08 8015.39 12078.96

Sensex 11.59 54749.59 14.03 (18.01) 17.18 11403.31 8198.55 11717.94

SMS TAX TO 59090

Sahara TAX GAIN FUNDAn Open-Ended Equity Linked Saving Scheme (ELSS)

The objective of the scheme is to provide immediate tax relief and long-term growth of capital by investing in equity and equity related instruments.

17.14

8.92

6.50

6.20

6.155.874.63

3.74

3.47

3.41

3.01

2.93

2.81

2.74

2.58

2.56

2.49

2.011.98

1.961.92

1.811.25 3.91 Banks Consumer Non Durables Pharmaceuticals Finance Consumer Durables Construction Project Auto Ancillaries Power Retailing Auto Engineering Services Oil Minerals/Mining Industrial Products Services Petroleum Products Software Cement Media & Entertainment Hotels Chemicals Paper Industrial Capital Goods Other- Current Assets

17.148.926.506.206.155.874.633.743.473.413.012.932.812.742.582.562.492.011.981.961.921.811.253.91



Naresh Kumar Garg Chief Investment Officer 22 yrs (4 yrs in Sahara B & FS Fund)A N Sridhar Fund Manager 22 yrs (4 yrs in Sahara B & FS Fund)

DATE OF INCEPTION 16/09/2008TOTAL EXPENSES RATIO (%) 2.50AUM (` in Lakhs) 2113.40PORTFOLIO TURNOVER RATIO (%) 268.44

NAV AS ON 30.11.2012Growth Option ̀ 33.0648 Dividend Option ` 14.0846

DIVIDENDRecord Date Rate Face Value Cum Dividend NAV (`)

29.04.11 ` 2.50 Per Unit ` 10.00 15.570203.09.10 ` 4.00 Per Unit ` 10.00 19.736519.01.10 ` 4.00 Per Unit ` 10.00 19.486431.07.09 ` 4.00 Per Unit ` 10.00 19.7059


Statistical Measures (For trailing 3 years Period) (as on 30.11.2012)Sharpe Ratio 0.1601 Beta 0.8820Standard Deviation (%) 25.35% R Squared 0.94601 Risk Free rate is based on 1 year T-Bill rate.

Minimum Application Amount ` 5000 and in multiples of ` 1 thereafter. OPTIONS : Growth Dividend including Dividend Re-investment

Load StructureEntry Load NA

Exit Load 1%- If redeemed on or before 12 months, NIL- If redeemed after 12 months.

Systematic Investment Plan (SIP) - AUTO DEBIT / ECS FACILITY AVAILABLE

Monthly Initial cheque of ` 1000 and 5 post dated cheques for minimum of ` 1000 each

Quartery Initial cheque of ` 2000 and 3 post dated cheques for minimum of ` 2000 each

Load Structure (SIP)Entry Load : NAExit Load : 1%- If redeemed on or before 1 year from the date of allotment.

Service tax on exit load, if any, shall be paid out of the exit load proceeds and exit load net of service tax, if any, shall be credited to the scheme.




Scheme / Duration

SinceInception

SinceInception

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010B & FS Fund 32.14 28745.33 17.48 (22.59) 47.44 11748.32 7741.06 14744.44Bank Nifty 16.72 17966.62 21.00 (23.43) 40.33 12100.17 7656.50 14032.98

Sensex 8.45 13598.12 14.03 (18.01) 17.18 11403.31 8198.55 11717.94

SMS BANKING TO 59090

SaharaAn Open-Ended Sectoral Growth Fund

BANKING AND FINANCIAL SERVICES FUND

The objective of the scheme The investment objective would be to provide long term capital appreciation through investment in equities and equities related securities of companies whose business comprise of Banking / Financial services, either whole or in part.

PORTFOLIO AS ON 30.11.2012

Name of the Instrument Industry % of NAV


ICICI Bank Ltd. Banks 17.43HDFC Bank Ltd Banks 13.32State Bank of India Banks 7.19Axis Bank Limited Banks 6.25HDFC Ltd Finance 4.49IndusInd Bank LImited. Banks 4.34The Federal Bank Limited Banks 3.69LIC Housing Finance Ltd Finance 3.52Oriental Bank of Commerce Banks 3.51City Union Bank Limited Banks 3.12Mahindra & Mahindra Financial Services Ltd. Finance 2.87ING Vysya Bank Ltd. Banks 2.67Bajaj Finance Limited Finance 2.61Bank of Baroda Banks 2.53Karnataka Bank Ltd. Banks 2.32Bajaj Finserv Ltd. Finance 2.30Yes Bank Ltd. Banks 2.20Union Bank of India Banks 2.07L & T Finance Holdings Ltd Finance 1.90Canara Bank Banks 1.87Vijaya Bank Banks 1.80Power Finance Corporation Ltd Finance 1.68Indian Bank Banks 1.56IDBI Bank Ltd Banks 1.54Karur Vysya Bank Ltd. Banks 1.44City Union Bank Limited (Rights Issue) Banks 0.57Equity Total 98.79Other- Current Assets 1.21Grand Total 100.00


79.42

19.37

1.21

Banks

Finance

Other- Current Assets

79.42

19.37

1.21

Banks

Finance


79.42

19.37

1.21


14.21

7.69

7.31

7.27

6.73

6.315.294.81

4.57

4.29

4.07

3.98

3.70

3.31

2.53

2.382.27

2.041.941.721.53 2.03 Banks

Power Finance Petroleum Products Auto Construction Project Industrial Capital Goods Pharmaceuticals Minerals/Mining Software Non - Ferrous Metals Telecom - Services Consumer Non Durables Oil Consumer Duables Auto Ancillaries Cement Media & Entertainment Ferrous Metals Fertilizers Construction Other- Current Assets

Systematic Investment Plan (SIP) - AUTO DEBIT/ECS FACILITY AVAILABLEMonthly Initial cheque of ` 1000 and 5 post dated cheques for minimum of ` 1000 eachQuartery Initial cheque of ` 2000 and 3 post dated cheques for minimum of ` 2000 eachLoad Structure (SIP)Entry Load : NAExit Load : 1%- If redeemed on or before 1 year from the date of allotment.

PORTFOLIO AS ON 30.11.2012Name of the Instrument Industry % of

NAVHDFC Ltd Finance 4.15Cairn India Ltd. Oil 3.31Reliance Industries Ltd Petroleum Products 3.26HDFC Bank Ltd. Banks 3.21Infrastructure Development Finance Co.Ltd. Finance 3.16Mahindra & Mahindra Ltd. Auto 3.02ICICI Bank Ltd Banks 3.01Tata Power Company Ltd. Power 2.95Cipla Ltd. Pharmaceuticals 2.84Larsen and Toubro Limited. Construction Project 2.74NTPC Ltd Power 2.59IndusInd Bank LImited. Banks 2.58Whirlpool of India Ltd Consumer Duables 2.53Sterlite Industries Limited. Non - Ferrous Metals 2.48Motherson Sumi Systems Ltd. Auto Ancillaries 2.38CMC Limited Software 2.37Coal India Ltd. Minerals/Mining 2.34Ultratech Cement Ltd. Cement 2.27NMDC Ltd Minerals/Mining 2.23NCC Ltd Construction Project 2.18Axis Bank Limited Banks 2.17Oriental Bank of Commerce Banks 2.15Power Grid Corporation of India Ltd. Power 2.15Bharat Petroleum Corporation Ltd. Petroleum Products 2.09Prime Focus Ltd. Media & Entertainment 2.04Bharti Airtel Ltd. Telecom - Services 2.03Ranbaxy Labaratories Ltd. Pharmaceuticals 1.98Maruti Suzuki India Ltd. Auto 1.95Idea Cellular Ltd. Telecom - Services 1.95Tata Steel Ltd. Ferrous Metals 1.94Tech Mahindra Ltd Software 1.93Indian Oil Corporation Limited. Petroleum Products 1.92ABG Shipyard Ltd Industrial Capital Goods 1.92Elecon Engineering Company Limited Industrial Capital Goods 1.88Hindustan Unilever Ltd. Consumer Non Durables 1.87Jyothy Laboratories Ltd. Consumer Non Durables 1.83Bajaj Auto Ltd. Auto 1.76Nagarjuna Fertilizers and Chemicals Ltd. Fertilizers 1.72Hindalco Industries Ltd. Non - Ferrous Metals 1.60DLF Ltd Construction 1.53Bharat Heavy Electricals Ltd. Industrial Capital Goods 1.50Pratibha Industries Ltd. Construction Project 1.39State Bank of India Banks 1.09Equity Total 97.97Other- Current Assets 2.03Grand Total 100.00




Scheme / Duration

SinceInception

SinceInception

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010Growth Fund 23.55 84555.70 15.19 (16.48) 14.80 11519.49 8351.95 11479.83CNX Nifty 18.70 56434.79 15.38 (18.02) 18.61 11537.55 8197.83 11860.76Sensex 19.22 58979.51 14.03 (18.01) 17.18 11403.31 8198.55 11717.94

Minimum Application Amount` 3000 and additional amount of ` 500 and multiples of ` 1 thereafter.

OPTIONS : Growth Dividend including Dividend Re-investment

Load StructureEntry Load NAExit Load 1%- If redeemed on or before 12 months, NIL If redeemed after 12 months.

FUND MANAGERName Designation Experience (Years)Naresh Kumar Garg Chief Investment Officer 22 yrs (4 yrs in Sahara Growth Fund)A N Sridhar Fund Manager 22 yrs (4 yrs in Sahara Growth Fund)

Date of Inception 30/08/2002 Total Expense Ratio (%) 2.50Portfolio Turnover Ratio (%) 186.73 AUM (` in Lakhs) 1096.29Holdings in Top 10 Scrips (%) 31.65


DIVIDENDRecord Date Rate Face Value Cum Div NAV (`)29.10.2010 ` 7.50 per unit ` 10.00 33.154907.09.2007 ` 7.50 per unit ` 10.00 28.588813.03.2006 ` 7.50 per unit ` 10.00 28.2228.01.2005 ` 3.00 per unit ` 10.00 19.5725.09.2003 ` 3.00 per unit ` 10.00 14.95





Sahara GRowTH FuNDAn Open-Ended Growth Fund

SMS GRowTH TO 59090

The objective of the scheme is to achieve capital appreciation by investing in equity and equity related instruments.

14.21

7.69

7.31

7.27

6.73

6.315.294.81

4.57

4.29

4.07

3.98

3.70

3.31

2.53

2.382.27

2.041.941.721.53 2.03 Banks

Power Finance Petroleum Products Auto Construction Project Industrial Capital Goods Pharmaceuticals Minerals/Mining Software Non - Ferrous Metals Telecom - Services Consumer Non Durables Oil Consumer Duables Auto Ancillaries Cement Media & Entertainment Ferrous Metals Fertilizers Construction Other- Current Assets

14.217.697.317.276.736.315.294.814.574.294.073.983.703.312.532.382.272.041.941.721.532.03


FUND MANAGERName Designation Experience (Years)Naresh Kumar Garg Chief Investment Officer 22 yrs (7 yrs in Sahara Wealth Plus Fund)A N Sridhar Fund Manager 22 yrs (5.5 yrs in Sahara Wealth Plus Fund)

Date of Inception 01/09/2005 Total Expense Ratio (%) 2.50Portfolio Turnover Ratio (%) 108.82 AUM (` in Lakhs) 1,121.85Holding In Top 10 scrips (%) 27.14

NAV AS ON 30.11.2012Fixed Pricing - (Growth) ̀ 22.3419 Variable Pricing - (Growth) ` 23.5912Fixed Pricing - (Div) ` 18.5070 Variable Pricing - (Div) ` 19.6915

DIVIDENDRecord Date Rate Face Value Cum Div NAV (`)

FIXED VARIABLE5.10.2010 ` 4.00 PER UNIT ` 10.00 22.6938 23.5222


Statistical Measures (For trailing 3 years Period) (as on 30.11.2012)Variable Pricing Option Fixed Pricing Option

Sharpe Ratio 0.0916 Beta 0.7499 Sharpe Ratio 0.0320 Beta 0.7491STDEV 15.61% Rsquare 0.8464 STDEV 15.60% Rsquare 0.84621 Risk Free rate is based on 1 year T-Bill rate.

Minimum Application Amount` 1000 and additional amount of ` 500 & multiples of ` 1 thereafter.OPTIONS : Growth Dividend including Dividend Re-investment



INDUSTRYWISE ASSET DISTRIBUTION

Return on Equity: The Equity selected is based on Return on Equity. A higher RoE may mean higher creation of wealth.

Portfolio RoE : 30.27 %

Systematic Investment Plan (SIP) - AUTO DEBIT / ECS FACILITY AVAILABLEMonthly SIP Initial cheque of ` 1000 and 5 post dated cheques for minimum of ` 1000 eachQuartery SIP Initial cheque of ` 2000 and 3 post dated cheques of minimum of ` 2000 eachLoad Structure (SIP)Entry Load : NAExit Load : 1%- If redeemed on or before 1 year from the date of allotment.



HDFC Ltd Finance 3.86Tech Mahindra Ltd Software 2.75Karur Vysya Bank Ltd. Banks 2.72Agro Tech Foods Ltd Consumer Non Durables 2.71Bajaj Electricals Ltd. Consumer Durables 2.59Natco Pharma Ltd. Pharmaceuticals 2.56Sintex Industries Limited. Industrial Products 2.55Mahindra & Mahindra Ltd. Auto 2.53The Federal Bank Limited Banks 2.49Glenmark Pharmaceuticals Ltd Pharmaceuticals 2.40Talwalkars Better Value Fitness Ltd. Leisure Facilities 2.40Voltas Ltd. Construction Project 2.32Biocon Ltd Pharmaceuticals 2.30Godrej Properties Ltd Construction 2.28J B Chemicals & Pharmaceuticals Ltd. Pharmaceuticals 2.26Tamil Nadu Newsprint & Papers Ltd. Paper 2.20Mangalore Refinery and Petrochemicals Limited Petroleum Products 2.16Venus Remedies Limited Pharmaceuticals 2.14Oil & Natural Gas Corp Ltd Oil 2.13Jyothy Laboratories Ltd. Consumer Non Durables 2.09Zydus Wellness Ltd Consumer Non Durables 2.08NHPC Ltd Power 2.07Colgate-Palmolive (India) Ltd. Consumer Non Durables 2.06MT Educare Ltd Diversified Consumer Services 2.05Engineers India Ltd. Construction Project 2.04Maruti Suzuki India Ltd. Auto 2.04Pidilite Industries Ltd. Chemicals 2.01Axis Bank Limited Banks 2.00Supreme Industries Ltd. Industrial Products 1.97Petronet LNG Limited. Gas 1.95Tata Motors Ltd Auto 1.95Union Bank of India Banks 1.95Hindustan Unilever Ltd. Consumer Non Durables 1.92TTK Prestige Ltd. Consumer Durables 1.90NTPC Ltd Power 1.88Lupin Ltd. Pharmaceuticals 1.84Voltamp Transformers Ltd. Industrial Capital Goods 1.80Ultratech Cement Ltd. Cement 1.73Nestle India Ltd Consumer Non Durables 1.70Indian Bank Banks 1.64V-Guard Industries Ltd Industrial Capital Goods 1.08Equity Total 89.06Other- Current Assets 10.94Grand Total 100.00




Scheme / Duration

SinceInception

SinceInception

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010W Plus-V Fund 12.43 22928.00 13.70 (14.42) 31.16 11370.31 8557.97 13115.98W Plus-F Fund 11.59 21752.50 12.75 (15.13) 30.07 11274.81 8487.01 13006.74CNX 500 11.05 21013.02 13.22 (19.22) 19.58 11322.16 8077.62 11958.17Sensex 13.03 23822.22 14.03 (18.01) 17.18 11403.31 8198.55 11717.94

SMS wEALTH TO 59090

Sahara wEALTH PLuS FuNDAn Open-Ended Growth Fund

The objective of the scheme is to invest in equity and equity related instruments of companies that would be wealth builders in the long term.

13.50

12.55

10.79

6.524.524.363.95

3.862.87

2.752.59

2.402.282.202.162.132.05

2.011.95

1.901.73

10.94

Pharmaceuticals Consumer Non Durables Banks Auto Industrial Products Construction Project Power Finance Industrial Capital Goods Software Consumer Durables Leisure Facilities Construction Paper Petroleum Products Oil Diversified Consumer Services Chemicals Gas Consumer Durables Cement Other- Current Assets

13.5012.5510.796.524.524.363.953.862.872.752.592.402.282.202.162.132.052.011.951.901.73

10.94


FUND MANAGERName Designation Experience (Years)Naresh Kumar Garg Chief Investment Officer 22 yrs (6.5 yrs in Sahara Infrastructure Fund)A N Sridhar Fund Manager 22 yrs (5.5 yrs in Sahara Infrastructure Fund)

Date of Inception 03/04/2006 Total Expense Ratio (%) 2.50Portfolio Turnover Ratio (%) 100.59 AUM (` in Lakhs) 666.22Holding In Top 10 scrips (%) 29.63

NAV AS ON 30.11.2012Fixed Pricing - (Growth) ` 13.5839 Variable Pricing - (Growth) ` 14.2825Fixed Pricing - (Div) : ` 9.9326 Variable Pricing - (Div) ` 10.4945


FIXED VARIABLE30.11.2007 ` 5.00 per unit ` 10.00 18.6112 18.8216


Statistical Measures (For trailing 3 years Period) (as on 30.11.2012)Variable Pricing Fixed Pricing

Sharpe Ratio (0.5987) Beta 0.8996 Sharpe Ratio (0.6398) Beta 0.8988STDEV (%) 20.03% Rsquare 0.7873 STDEV (%) 20.01% Rsquare 0.78701 Risk Free rate is based on 1 year T-Bill rate.

Minimum Application Amount` 1000 under Growth Option and ` 5000 under Dividend Option and additional amount in multiples of ` 1.


Load StructureEntry Load NA

Exit Load 1%- If redeemed on or before 12 months, NIL If redeemed after 12 months.



Monthly SIP Initial cheque of ` 1000 and 5 post dated cheques for minimum of ` 1000 each

Quartery SIP Initial cheque of ` 2000 and 3 post dated cheques of minimum of ` 2000 each




L & T Finance Holdings Ltd Finance 3.87Coal India Ltd. Minerals/Mining 3.30Larsen and Toubro Limited. Construction Project 3.13Hindustan Petroleum Corp Ltd. Petroleum Products 3.01Power Grid Corporation Of India Ltd. Power 3.01Jai Prakash Associates Ltd Construction 2.89Voltas Ltd. Construction Project 2.76Pratibha Industries Ltd. Construction Project 2.67NCC Ltd Construction Project 2.51Cairn India Ltd. Oil 2.48Power Finance Corporation Ltd. Finance 2.46Ultratech Cement Ltd. Cement 2.45Rural Electrification Corporation Ltd. Finance 2.42Oil & Natural Gas Corp Ltd Oil 2.39HDFC Ltd Finance 2.28Tata Power Company Ltd. Power 2.27Kalpataru Power Transmission Ltd. Power 2.25J K Cement Ltd Cement 2.24Castrol India Ltd. Petroleum Products 2.21McNally Bharat Engineering Co. Ltd. Industrial Capital Goods 2.20Ambuja Cements Ltd Cement 2.19PTC India Ltd Power 2.16Bharat Bijlee Ltd. Industrial Capital Goods 2.10IDFC Ltd Finance 2.08The Shipping Corp Of India Ltd. Transportation 2.08Petronet LNG Ltd Gas 2.07Action Const Equip Ltd Industrial Capital Goods 2.07Engineers India Ltd. Construction Project 2.06BGR Energy Systems Limited. Construction Project 2.01ABG Shipyard Ltd Industrial Capital Goods 2.01Indian Oil Corporation Ltd Petroleum Products 1.98IVRCL Infrastructures & Projects Ltd. Construction 1.96NTPC Ltd Power 1.95NMDC Ltd Minerals/Mining 1.83United Bank Of India Banks 1.79Vijaya Bank Banks 1.76Ashoka Builddon Ltd Construction Project 1.75DLF Ltd Construction 1.57Madras Cements Ltd Cement 1.52Elecon Engineering Company Ltd. Industrial Capital Goods 1.44Praj Industries Ltd Industrial Capital Goods 1.43GMR Infrastructure Ltd. Construction Project 1.40Equity Total 93.99Other- Current Assets 6.01GRAND TOTAL 100.00

SMS INFRA TO 59090

Sahara INFRASTRUCTURE FUNDAn Open-Ended Growth Fund

The objective of the scheme is to provide income distribution and / or medium to long term capital gains by investing predominantly in equity/ equity related instruments of companies in the Infrastructure sector.




Scheme / Duration

SinceInception

SinceInception

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010INFRA - V Fund 6.19 14773.90 5.32 (23.73) 7.24 10532.10 7627.08 10723.96INFRA - F Fund 5.39 14064.40 4.44 (24.37) 6.41 10443.68 7563.29 10640.50Nifty 7.93 16420.41 15.38 (18.02) 18.61 11537.55 8197.83 11860.76Sensex 7.73 16224.62 14.03 (18.01) 17.18 11403.31 8198.55 11717.94

18.29

13.11

11.63

11.258.39

7.21

6.42

5.13

4.86

3.552.08

2.076.01

Construction Project

Finance

Power

Industrial Capital Goods

Cement

Petroleum Products

Construction

Minerals/Mining

Oil

Banks

Transportation

Gas


18.29

13.11

11.63

11.258.39

7.21

6.42

5.13

4.86

3.552.08

2.076.01


Finance

Power


Cement

Petroleum Products

Construction

Minerals/Mining

Oil

Banks

Transportation

Gas


18.2913.1111.6311.258.397.216.425.134.863.552.082.076.01


FUND MANAGERName Designation Experience (Years)Naresh Kumar Garg Chief Investment Officer 22 yrs (7.5 yrs in Sahara Midcap Fund)A N Sridhar Fund Manager 22 yrs (5.5 yrs in Sahara Midcap Fund)


NAV AS ON 30.11.2012Growth Option ` 31.7772 Dividend Option ` 14.0581Growth Auto Payout Option ` 31.7772 Bonus Option ` 31.7772


24.12.2010 ` 3.00 per unit ` 10.00 17.279728.05.2010 ` 4.00 per unit ` 10.00 18.937628.09.2007 ` 5.00 per unit ` 10.00 20.918320.09.2005 ` 1.50 per unit ` 10.00 14.2829



Minimum Application Amount` 1000 & additional amount of ` 500 & multiples of ` 1.



TARGETED CAPITAL SEGMENT wIISE BREAKuP (As on 30th November, 2012)MIDCAP 100.00% LARGE CAP 0.00%


Systematic Investment Plan (SIP) - AUTO DEBIT / ECS FACILITY AVAILABLEMonthly SIP 1st cheque of ` 1000 along with minimum of 5 post dated cheques of

minimum ` 1000 each.Quartery SIP 1st cheque of ` 2000 along with minimum of 3 post dated cheques of

minimum of ` 2000 eachLoad Structure (SIP)Entry Load NAExit Load 1%- If redeemed on or before 1 year from the date of allotment.




Tata Global Beverages Ltd. Consumer Non Durables 3.04Raymond Ltd. Textile Products 3.02Aditya Birla Nuvo (Indian Rayon) Services 2.92Tech Mahindra Ltd Software 2.82Sun Pharma Advanced Research Co. Ltd Pharmaceuticals 2.74Arvind Ltd Textile Products 2.63Sterling Holidays Resorts (India)Ltd. Hotels 2.53Vijaya Bank Banks 2.47Glenmark Pharmaceuticals Ltd Pharmaceuticals 2.46The Federal Bank Limited Banks 2.38Oriental Bank of Commerce Banks 2.37IDBI Bank Ltd Banks 2.37Timken India Limited Industrial Products 2.36Zydus Wellness Ltd Consumer Non Durables 2.35Kewal Kiran Clothing Ltd. Textile Products 2.30Jubilant Life Sciences Limited Pharmaceuticals 2.30Whirlpool Of India Ltd Consumer Durables 2.25Talwalkars Better Value Fitness Ltd. Leisure Facilities 2.25J B Chemicals & Pharmaceuticals Ltd. Pharmaceuticals 2.17Cox & Kings (India) Ltd. Transportation 2.13Mt Educare Ltd Diversified Consumer Services 2.11Hindustan Petroleum Corp Ltd. Petroleum Products 2.10ABG Shipyard Ltd Industrial Capital Goods 2.10L & T Finance Holdings Ltd Finance 2.09Bajaj Electricals Ltd. Consumer Durables 2.09Mahindra Lifespace Developers Ltd Construction 2.09Paper Products Ltd Industrial Products 2.08Lumax Industries Ltd. Auto Ancillaries 2.08City Union Bank Limited Banks 2.04Prime Focus Ltd. Media & Entertainment 2.04Mahindra Holiday & Resorts Ltd. Hotels 2.01Coromandel International Ltd Fertilisers 2.01DQ Entertainment (International) Ltd. Media & Entertainment 1.97Biocon Ltd Pharmaceuticals 1.97Ballarpur Industries Ltd Paper 1.94Jyothy Laboratories Ltd. Consumer Non Durables 1.91Thermax Ltd. Industrial Capital Goods 1.89Balrampur Chini Mills Ltd. Consumer Non Durables 1.84BGR Energy Systems Limited. Construction Project 1.84Voltas Ltd. Construction Project 1.78Unichem Laboratories Ltd. Pharmaceuticals 1.73LIC Housing Finance Ltd Finance 1.70Geometric Ltd (Ex Geometric Software Ltd) Software 1.21V-Guard Industries Ltd Industrial Capital Goods 1.11City Union Bank Limited(Rights Issue) Banks 0.40Sun Pharma Advanced Research Co. Ltd Pharmaceuticals 0.29Equity Total 96.28Other- Current Assets 3.72Grand Total 100.00

SMS MIDCAP TO 59090


Returns (%) ` 10,000 CAGR

Returns ABSOLUTE RETURNS % ` 10,000 ABSOLUTE RETURNS

Scheme / Duration

SinceInception

SinceInception

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010Midcap Fund 15.65 30868.10 9.09 (16.35) 35.38 10908.96 8364.50 13538.13CNX Midcap 13.27 26269.49 10.52 (22.59) 36.51 11052.37 7740.95 13650.89Sensex 14.42 28416.81 14.03 (18.01) 17.18 11403.31 8198.55 11717.94

Sahara MIDCAP FUNDAn Open-Ended Growth Fund

The objective of the scheme is to achieve long-term capital growth at medium level of risks by investing primarily in mid-cap stocks.

13.65

12.04

9.14

7.95

5.094.544.444.33

4.03

4.01

3.80

3.62

2.92

2.252.13

2.112.10

2.09

2.082.01

1.94 3.72

Pharmaceuticals Banks Consumer Non Durables Textile Products Industrial Capital Goods Hotels Industrial Products Consumer Durables Software Media & Entertainment Finance Construction Project Services Leisure Facilities Transportation Diversified Consumer Services Petroleum Products Construction Auto Ancillaries Fertilisers Paper Other- Current Assets

13.6512.049.147.955.094.544.444.334.034.013.803.622.922.252.132.112.102.092.082.011.943.72

13.65

12.04

9.14

7.95

5.094.544.444.33

4.03

4.01

3.80

3.62

2.92

2.252.13

2.112.10

2.09

2.082.01

1.94 3.72

Pharmaceuticals Banks Consumer Non Durables Textile Products Industrial Capital Goods Hotels Industrial Products Consumer Durables Software Media & Entertainment Finance Construction Project Services Leisure Facilities Transportation Diversified Consumer Services Petroleum Products Construction Auto Ancillaries Fertilisers Paper Other- Current Assets



Monthly SIP Initial cheque of ` 1000 and 5 post dated cheques for minimum of ` 1000 each

Quartery SIP Initial cheque of ` 2000 and 3 post dated cheques for minimum of ` 2000 each

Load Structure (SIP)Entry Load : NA

Exit Load : 1%- If redeemed on or before 1 year from the date of allotment.


PORTFOLIO AS ON 30.11.2012Name of the Instrument Industry % of

NAVNTPC Ltd Power 4.62Aditya Birla Nuvo (Indian Rayon) Services 4.38Power Grid Corporation Of India Ltd. Power 4.21PTC India Ltd Power 4.09Tamil Nadu Newsprint & Papers Ltd. Paper 3.72Rural Electrification Corporation Ltd. Finance 3.64Tata Power Company Ltd. Power 3.41Thermax Ltd. Industrial Capital Goods 3.35Larsen and Toubro Limited. Construction Project 3.16Coal India Ltd. Minerals/Mining 3.13Bharat Bijlee Ltd. Industrial Capital Goods 3.00Bajaj Electricals Ltd. Consumer Durables 2.95MOIL Limited Ferrous Metals 2.92Indian Oil Corporation Ltd Petroleum Products 2.83Pratibha Industries Ltd. Construction Project 2.81Voltas Ltd. Construction Project 2.74Power Finance Corporation Ltd. Finance 2.74Lanco Infratech Ltd Construction Project 2.64Century Textiles & Industries Ltd. Cement 2.62Coromandel International Ltd Fertilisers 2.60Castrol India Ltd. Petroleum Products 2.42Kalpataru Power Transmission Ltd. Power 2.23Orient Green Power Company Ltd. Power 2.15Cairn India Ltd. Oil 2.09Petronet LNG Ltd Gas 2.05Rashtriya Chemicals & Fertilisers Ltd Fertilisers 2.02Oil & Natural Gas Corp Ltd Oil 1.93V-Guard Industries Ltd Industrial Capital Goods 1.83IDFC Ltd Finance 1.53Gujarat State Petronet Ltd. Gas 1.51Zuari Agro Chemicals Ltd (Zuari Holdings Ltd ) Fertilisers 1.49Chambal Fertilisers & Chemicals Ltd. Fertilisers 1.49Bharat Heavy Electricals Ltd. Industrial Capital Goods 1.48NHPC Ltd Power 1.47GMR Infrastructure Ltd. Construction Project 1.18Equity Total 92.44Other- Current Assets 7.56Grand Total 100.00

SMS POWER TO 59090




Scheme / Duration

SinceInception

SinceInception

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010P & NR Fund 3.61 11645.20 1.79 (22.17) 19.59 10178.84 7782.51 11959.32Nifty 4.86 12257.25 15.38 (18.02) 18.61 11537.55 8197.83 11860.76Sensex 4.25 11953.15 14.03 (18.01) 17.18 11403.31 8198.55 11717.94

The objective of the schemeto generate long term capital appreciation through investment in equities and equity related securities of companies engaged in the business of generation, transmission, distribution of Power or in those companies that are engaged directly or indirectly in any activity associated in the power sector or principally engaged in discovery, development, production, processing or distribution of natural resources.

SaharaAn Open-Ended Growth Fund

POWER & NATURAL RESOURCES FUND

FUND MANAGERName Designation Experience (Years)Naresh Kumar Garg Chief Investment Officer 22 yrs (4 yrs in Sahara Power & NR Fund)A N Sridhar Fund Manager 22 yrs (4 yrs in Sahara Power & NR Fund)

DATE OF INCEPTION 17/06/2008TOTAL EXPENSES RATIO (%) 2.50AUM (` in Lakhs) 316.47Holdings in Top 10 Scrips (%) 37.70PORTFOLIO TURNOVER RATIO (%) 79.97


DIVIDENDRecord Date Rate Face Value Cum Dividend NAV (`)30.07.2010 ` 2.00 per unit ` 10.00 13.5352



Minimum Application Amount ` 5000 and in multiples of ` 1 thereafter. OPTIONS : Growth Dividend including Dividend Re-investment

Load StructureEntry Load NAExit Load 1%- If redeemed on or before 12 months, NIL- If redeemed after 12 months.


22.18

12.53

9.677.917.61

5.26

4.38

4.01

3.72

3.563.13

2.952.92

2.627.56

Power



Finance

Fertilisers

Petroleum Products

Services

Oil

Paper

Gas

Minerals/Mining

Consumer Durables

Ferrous Metals

Cement


22.1812.539.677.917.615.264.384.013.723.563.132.952.922.627.56




Finolex Cables Ltd. Industrial Products 7.04Suryalakshmi Cotton Mills Ltd. Textile Products 4.61Mangalore Refinery Petrochemicals Ltd Petroleum Products 4.48Kalpataru Power Transmission Ltd. Power 4.47Voltas Ltd. Construction Projects 4.22Gujarat Alkalies and Chemicals Ltd. Chemicals 4.08Nagarjuna Fertilizers and Chemicals Ltd. Fertilisers 3.64Zuari Agro Chemicals Ltd Fertilisers 3.63Arvind Ltd Textile Products 3.63GIC Housing Finance Ltd. Finance 3.55Tech Mahindra Ltd Software 3.55United Bank Of India Banks 3.50Escorts Ltd. Auto 3.12McNally Bharat Engineering Co. Ltd. Industrial Capital Goods 3.02Bharat Bijlee Ltd. Industrial Capital Goods 3.01Dena Bank Banks 2.98Banco Products India Ltd. Auto Ancillaries 2.89NCC Ltd Construction Projects 2.89Cox & Kings (India) Ltd. Transportation 2.76Claris Lifescience Ltd. Pharmaceuticals 2.73JOCIL Ltd Chemicals 2.68Steel Strips Wheels Ltd Auto Ancillaries 2.52Hi-Tech Gears Ltd. Auto Ancillaries 2.42Balrampur Chini Mills Ltd. Consumer Non Durables 2.15City Union Bank Limited Banks 1.92Shree Renuka Sugars Ltd. Consumer Non Durables 1.78Rane Holdings Ltd. Finance 1.58Zuari Global Limited (Zauri Industries) Fertilisers 1.31City Union Bank Limited(Rights Issue) Auto 0.38Equity Total 90.53Other- Current Assets 9.47Grand Total 100.00




Scheme / Duration

SinceInception

SinceInception

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010

30.09.2011to

30.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010Star Value Fund 5.88 11902.60 10.62 (19.38) 26.24 11062.41 8062.45 12624.11BSE 200 5.10 11636.52 13.77 (19.85) 20.79 11377.08 8015.39 12078.96Sensex 4.91 11571.80 14.03 (18.01) 17.18 11403.31 8198.55 11717.94

FUND MANAGERName Designation Experience (Years)Naresh Kumar Garg Chief Investment Officer 22 yrs (3 yrs in Sahara Star Value Fund)A N Sridhar Fund Manager 22 yrs (3 yrs in Sahara Star Value Fund)

Date of Inception 14/09/2009 Total Expense Ratio (%) 2.50 Portfolio Turnover Ratio (%) 101.89 AUM (` in Lakhs) 148.89Holding In Top 10 scrips (%) 43.34



16.08.2010 ` 1.00 per unit ` 10.00 12.5064Past performance may or may not be sustained in future. Pursuant to payment of dividend, the NAV of the dividend option will fall to the extent of payout and statutory levies if any.


Minimum Application Amount` 5000 and in multiples of ` 1 thereafter.




Systematic Investment Plan (SIP) - AUTO DEBIT /

Monthly SIP 1st cheque of ` 1000 along with minimum of 5 post dated cheques of minimum of ` 1000 each.

Quartery SIP 1st cheque of ` 2000 along with minimum of 3 post dated cheques of minimum of ` 2000 each



SMS STARVALUE TO 59090

The objective of the scheme is to provide long term capital appreciation by investing predominantly in equity / equity related instruments of select companies based on value parameters.

Sahara An Open-Ended Growth Fund

STAR VALUE FUND

8.57

8.41

8.24

7.83

7.11

7.046.76

6.03

5.13

4.48

4.47

3.93

3.55

3.50

2.762.73

9.47 Fertilisers Banks Textile Products Auto Ancillaries Construction Projects Industrial Products Chemicals Industrial Capital Goods Finance Petroleum Products Power Consumer Non Durables Software Auto Transportation Pharmaceuticals Other- Current Assets

8.57

8.41

8.24

7.83

7.11

7.046.76

6.03

5.13

4.48

4.47

3.93

3.55

3.50

2.762.73

9.47 Fertilisers Banks Textile Products Auto Ancillaries Construction Projects Industrial Products Chemicals Industrial Capital Goods Finance Petroleum Products Power Consumer Non Durables Software Auto Transportation Pharmaceuticals Other- Current Assets

8.578.418.247.837.117.046.766.035.134.484.473.933.553.502.762.739.47



Shoppers Stop Limited. Retailing 5.98Sun TV Limited. Media & Entertainment 5.93Raymond Ltd. Textiles - Products 4.82Gateway Distriparks Ltd. Transportation 4.78DQ Entertainment (International) Ltd. Media & Entertainment 4.21Inox Leisure Limited Media & Entertainment 4.04Mahindra & Mahindra Ltd. Auto 3.77Talwalkars Better Value Fitness Ltd. Leisure Facilities 3.66Kewal Kiran Clothing Ltd. Textiles - Products 3.62Arvind Ltd Textiles - Products 3.58Prime Focus Ltd. Media & Entertainment 3.37Steel Strips Wheels Ltd Auto Ancillaries 3.33Tata Global Beverages Ltd. Consumer Non Durables 3.30Lumax Industries Ltd. Auto Ancillaries 3.21Whirlpool Of India Ltd Consumer Durables 3.15Wabco India Ltd Auto Ancillaries 3.15Sterling Holidays Resorts (India)Ltd. Hotels 3.05Suprajit Engineering Ltd. Auto Ancillaries 3.03Jyothy Laboratories Ltd. Consumer Non Durables 2.99Indian Hotel Company Ltd. Hotels 2.99LIC Housing Finance Ltd Finance 2.91Cox & Kings (India) Ltd. Transportation 2.73Hathway Cable & Datacom Limited Media & Entertainment 2.70Entertainment Network India Ltd. Media & Entertainment 2.46Vijaya Bank Banks 2.33Syndicate Bank Banks 2.28Jagran Prakashan Ltd. Media & Entertainment 2.03Sundaram Fasteners Ltd. Auto Ancillaries 2.00Balrampur Chini Mills Ltd. Consumer Non Durables 1.78Den Networks Ltd. Media & Entertainment 1.62Equity Total 98.81Other- Current Assets 1.19Grand Total 100.00



ICICI Bank Ltd. Banks 7.30NTPC Ltd Power 6.47Mahindra & Mahindra Ltd. Auto 5.45Reliance Industries Ltd Petroleum Products 4.92Tata Motors Ltd Auto 4.84HDFC Ltd Finance 4.37IDEA Cellular Ltd. Telecom - Services 4.30Coal India Ltd. Minerals/Mining 4.22Power Grid Corporation of India Ltd. Power 4.18NHPC LTD. Power 4.12Cairn India Ltd. Oil 4.09Sterlite Industries (India) Limited. Non - Ferrous Metals 3.84State Bank of India Banks 3.84LIC Housing Finance Ltd Finance 3.76Larsen and Toubro Limited. Construction Project 3.69Jai Prakash Associates Ltd Construction 3.41Bank of Baroda Banks 3.38IDFC LTD Finance 3.07Tata Power Company Ltd. Power 2.86Ultratech Cement Ltd. Cement 2.75Ranbaxy Labaratories Ltd. Pharmaceuticals 2.68Axis Bank Limited Banks 2.34NMDC Ltd Minerals/Mining 1.80Equity Total 91.67Other- Current Assets 8.33Grand Total 100.00


Returns as on 30.09.2012CAGR Returns (%) ` 10,000 CAGR Returns ABSOLUTE RETURNS % ` 10,000 ABSOLUTE RETURNS

Scheme / Duration

SinceInception

SinceInception

30.09.2011to 30.09.2012

30.09.2010to 30.09.2011

30.09.2009 to 30.09.2010

30.09.2011to 30.09.2012

30.09.2010to 30.09.2011

30.09.2009 to 30.09.2010

Super 20 Fund 6.01 12032.10 11.97 (12.01) 10.26 11196.71 8799.12 11026.37Nifty 6.75 12301.01 15.38 (18.02) 18.61 11537.55 8197.83 11860.76Sensex 5.85 11973.43 14.03 (18.01) 17.18 11403.31 8198.55 11717.94

R.E.A.L Fund (4.38) 8049.00 9.12 (23.49) 27.15 10911.53 7650.96 12714.66NIFTY 0.02 10009.04 15.38 (18.02) 18.61 11537.55 8197.83 11860.76Sensex (0.40) 9809.18 14.03 (18.01) 17.18 11403.31 8198.55 11717.94

The objective of the scheme : is to provide long term capital appreciation by investing in predominantly equity and equity related securities of around 20 companies selected out of the top 100 largest market capitalization companies, at the point of investment.An Open-Ended Growth Fund

The objective of the scheme : is to provide long term capital gains by investing predominantly in equity / equity related instrument of companies in the Retailing, Entertainment & Media, Auto & auto ancillaries and Logistics sector.

An Open-Ended Equity Fund

FUND MANAGERName Designation Experience (Years)Naresh Kumar Garg Chief Investment Officer 22 yrs (5 yrs in Sahara R.E.A.L Fund)A N Sridhar Fund Manager 22 yrs (5 yrs in Sahara R.E.A.L Fund)


NAV AS ON 30.11.2012 Growth Option ` 8.4398 Dividend Option ` 8.4397

Statistical Measures (For trailing 3 years Period) (as on 30.11.2012)Sharpe Ratio (0.2065) STDEV (%) 20.39% Beta 0.8773 Rsquare 0.72251 Risk Free rate is based on 1 year T-Bill rate.

FUND MANAGERName Designation Experience (Years)Naresh Kumar Garg Chief Investment Officer 22 yrs (3 yrs in Sahara Super 20 Fund)A N Sridhar Fund Manager 22 yrs (3 yrs in Sahara Super 20 Fund)

Date of Inception 31/07//2009 Total Expense Ratio (%) 2.50 Portfolio Turnover Ratio (%) 213.75 AUM (` in Lakhs) 112.95Holding In Top 10 scrips (%) 50.16

NAV AS ON 30.11.2012 Growth Option ` 12.1888 Dividend Option ` 12.1898

Statistical Measures (For trailing 3 years Period) (as on 30.11.2012)Sharpe Ratio (0.2378) STDEV (%) 16.47% Beta 0.8017 Rsquare 0.9249

1 Risk Free rate is based on 1 year T-Bill rate.

MINIMUM APPLICATION AMOUNT : ` 5000 and in multiples of ` 1 thereafter.

Load Structure Entry Load: NA ; Exit Load: 1%- If redeemed on or before 12 months, NIL- If redeemed after 12 months.

SIP / STP: Entry Load: NA ; Exit Load: 1%- If redeemed on or before 1 year from the date of allotment.

OPTION : Dividend including Dividend Re-investment Growth optionSYSTEMATIC INVESTMENT PLAN (SIP) – AUTO DEBIT / ECS FACILITY AVAILABLEMonthly Initial cheque of ` 1000 and 5 post dated cheques for minimum of ` 1000 eachQuarterly Initial cheque of ` 2000 and 3 post dated cheques of minimum of ` 2000


SMS SUPER TO 59090 SMS REAL TO 59090

17.63

16.86

11.20

10.29

6.02

4.92

4.30

4.09

3.84

3.69

3.41

2.752.68

8.33Power

Banks

Finance

Auto

Minerals/Mining

Petroleum Products

Telecom - Services

Oil

Non - Ferrous Metals


Construction

Cement

Pharmaceuticals


17.63

16.86

11.20

10.29

6.02

4.92

4.30

4.09

3.84

3.69

3.41

2.752.68

8.33Power

Banks

Finance

Auto

Minerals/Mining

Petroleum Products

Telecom - Services

Oil

Non - Ferrous Metals


Construction

Cement

Pharmaceuticals


17.6316.8611.2010.296.024.924.304.093.843.693.412.752.688.33

26.36

14.72

12.028.07

7.51

6.04

5.98

4.61

3.773.66

3.15 2.91 1.19Media & Entertainment

Auto Ancillaries

Textiles - Products

Consumer Non Durables

Transportation

Hotels

Retailing

Banks

Auto

Leisure Facilities

Consumer Durables

Finance


26.36

14.72

12.028.07

7.51

6.04

5.98

4.61

3.773.66

3.15 2.91 1.19Media & Entertainment

Auto Ancillaries

Textiles - Products

Consumer Non Durables

Transportation

Hotels

Retailing

Banks

Auto

Leisure Facilities

Consumer Durables

Finance


26.3614.7212.028.077.516.045.984.613.773.663.152.911.19


FUND MANAGER

Name Designation Experience (Years)Naresh Kumar Garg

Chief Investment Officer

22 yrs (3.5 yrs in Sahara Short Term Bond Fund)

Ashwini Kumar Fund Manager 10 yrs (1.5 yr in Sahara Short Term Bond Fund)

Date of Inception 13/04/2009 Total Expense Ratio (%) 0.30Average Maturity of Portfolio 23 days AUM (` in Lakhs) 780.94

NAV AS ON 30.11.2012

Growth ` 13.7044 Dividend Reinvestment Option ` 10.2393

Dividend History [(per unit (in Rupees)] for 3 months under Dividend Re investment option (Monthly Frequency)

Date Gross Dividend (`) Investor

29.11.2012 0.0700 Corporate / Non Corporate



Dividend declared on the face value of `10.

Past performance may or may not be sustained in future. Pursuant to payment of dividend, the NAV of the dividend option will fall to the extent of payout and dividend Distribution tax as applicable.

Systematic Investment Plan (SIP) - AUTO DEBIT / ECS FACILITY AVAILABLEMonthly 5 post dated cheques for a minimum of ` 2000 each.

Quartery 4 post dated cheques for a minimum of ` 2500 each.

Load Structure (SIP)

Entry / Exit Load NIL


Name of the Instrument Rating % of NAV

Certificate of Deposits 25.14%

Bank Of Baroda ICRA A1+ 12.57%

State Bank Of Patiala ICRA A1+ 12.56%

Reverse Repo/CBLo & Cash Recievables 74.86%

TOTAL 100.00%

Minimum Application Amount

` 5000 and in multiples of ` 1 thereafter.

Load Structure

Entry /Exit Load NIL




Scheme / Duration

SinceInception

SinceInception

29.09.2011 to

28.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010

29.09.2011 to

28.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010Short Term Bond Fund 9.10 13522.01 9.41 13.32 5.27 10941.37 11331.72 10526.51Crisil Liquidfex 6.35 12378.16 8.67 7.76 4.04 10867.30 10776.39 10403.92Crisil 10 yr Gilt Index 4.04 11471.25 8.03 3.20 3.95 10802.80 10319.79 10395.00

SMS MUTUAL TO 59090

Sahara SHoRT TERM BoND FuND An Open Ended Income Fund

The objective of the scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities.

Invest in...

An open Ended Income Fund

Mutual Fund investments are subject to market risks, read all Scheme related Documents carefully.


Systematic Investment Plan (SIP) - AUTO DEBIT / ECS FACILITY AVAILABLEMonthly 5 postdated cheques for minimum of ` 2000 each.

Quartery 4 postdated cheques for minimum of ` 2500 each.

Load Structure (SIP)

Entry / Exit Load NIL


Name of the Instrument Rating % of NAV


Oriental Bank Of Commerce CRISIL A1+ 13.29%

Bank Of Baroda ICRA A1+ 11.51%

State Bank Of Patiala ICRA A1+ 10.96%Reverse Repo/CBLo & Cash Recievables 64.25%

Total 100.00%

Minimum Application Amount`10000 & additional amt. of ` 5000 & Multiples of ` 1.

Load StructureEntry /Exit Load NIL


Naresh Kumar Garg Chief Investment Officer 22 yrs (8.5 yrs in Sahara Liquid Fund)

Ashwini Kumar Fund Manager 10 yrs (1.5 yr in Sahara Liquid Fund)

NAV AS ON 30.11.2012Fixed Pricing option Variable Pricing option

Daily Dividend ` 1029.5210 Daily Dividend ` 1029.5347Weekly Dividend ` 1027.4373 Weekly Dividend ` 1032.6354Monthly Dividend ` 1035.5480 Monthly Dividend ` 1039.9671Growth ` 2062.5715 Growth ` 2080.3547The face value of the units have been changed from ` 10 per unit to ` 1000 per unit by consolidation of units w.e.f. 27th October, 2005. Also, the Variable Pricing Option has been introduced under the scheme w.e.f. 27th October, 2005.

Dividend History [per unit (in Rupees)] (for Monthly Dividend option )*

Date Fixed Pricing option

Variable Pricing option Investor

30.11.2012 8.0746 8.2042 Non Corporate

25.10.2012 4.2807 4.2419 Non Corporate

28.09.2012 6.1456 6.2982 Non Corporate

* Dividend declared on the face value of Rs.1000. Past performance may or may not be sustained in future. The performance of the dividend plan for the investor would be net of the dividend distribution tax, as applicable.

Returns as on 30.09.2012CAGR Returns (%) ` 10,000 CAGR


Scheme / Duration Since Inception Since Inception29.09.2011

to 28.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010

29.09.2011 to

28.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010Liquid Fund - VP 7.69 16706.44 9.51 8.64 4.97 10951.17 10864.15 10496.87

Crisil Liquidfex NA* NA* 8.67 7.76 4.04 10867.30 10776.39 10403.92

1 year t bill 5.49 14481.23 8.14 5.38 2.42 10813.60 10538.37 10241.97

Liquid Fund - FP 6.91 20328.84 9.50 8.59 4.93 10950.12 10859.25 10493.40

Crisil Liquidfex NA* NA* 8.67 7.76 4.04 10867.30 10776.39 10403.92

1 year t bill 5.37 17430.64 8.14 5.38 2.42 10813.60 10538.37 10241.97


CAGR RETURNS (%) ` 10,000 CAGR RETuRNS

7 days 15 days 1 month 7 days 15 days 1 month

Liquid Fund - VP 7.78 8.02 8.10 10014.92 10032.94 10066.54

Crisil Liquidfex 7.511 7.508 7.50 10014.40 10030.85 10061.67

1 year t bill 8.12 7.96 9.33 10015.57 10032.71 10076.71

Liquid Fund - FP 7.65 7.91 8.03 10014.67 10032.50 10066.02

Crisil Liquidfex 7.511 7.508 7.50 10014.40 10030.85 10061.67

1 year t bill 8.12 7.96 9.33 10015.57 10032.71 10076.71

* AS INDEX INCEPTION IS 31.03.2002

The objective of the scheme is to create a portfolio of debt and money market instruments with a view to provide high liquidity and reasonable returns.

SMS MUTUAL TO 59090

Sahara LIQUID FUNDAn Open-Ended Liquid Fund





Scheme / Duration

SinceInception

SinceInception

29.09.2011 to

28.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010

29.09.2011 to

28.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010Classic Fund 9.83 15483.09 9.32 8.39 4.97 10932.15 10839.34 10496.88MIP Blended Index 6.30 13294.01 10.38 2.21 7.68 11038.41 10221.14 10768.38Crisil 10 yr Gilt Index 5.54 12859.34 8.03 3.20 3.95 10802.80 10319.80 10395.00

Systematic Investment Plan (SIP) - AUTO DEBIT / ECS FACILITY AVAILABLEMonthly 6 post dated cheques for minimum of ` 1000 each.Quartery 4 post dated cheques for minimum of ` 2000 each.

Load Structure (SIP)Entry / Exit Load NIL

PORTFOLIO AS ON 30.11.2012Name of the Instrument Rating % of NAV


State Bank Of Patiala ICRA A1+ 16.42%

Reverse Repo/CBLo & Cash Recievables 83.58%

TOTAL 100.00%

FUND MANAGERName Designation Experience (Years)Naresh Kumar Garg Chief Investment

Officer22 yrs (8.5 yrs in Sahara Classic Fund

Ashwini Kumar Fund Manager 10 yrs (1 yr in Sahara Classic Fund)

A N Sridhar Fund Manager 22 yrs (8.5 yrs in Sahara Classic Fund

Date of Inception 01/02/2008 Total Expense Ratio(%) 0.35Average Maturity of Portfolio 16 days AUM (` in Lakhs) 23.90


Minimum Application AmountDividend Option ` 5000 and additional investments in multiples of ` 1000.Growth Option ` 1000 and additional investments in multiples of ` 1000.


Systematic Investment Plan (SIP) - AUTO DEBIT / ECS FACILITY AVAILABLEMonthly 6 post dated cheques for a minimum of ` 500 each.Quartery 4 post dated cheques for a minimum of ` 750 each.Load Structure (SIP)Entry / Exit Load NIL


Certificate of Deposits 25.04%State Bank Of Patiala ICRA A1+ 15.02%Bank Of Baroda ICRA A1+ 10.02%Reverse Repo/Cblo & Cash Recievables 74.96%TOTAL 100.00%

Minimum Application Amount` 3000 and additional amt. of ` 1000 & multiples of ` 1 thereafter.


FUND MANAGERName Designation Experience (Years)Naresh Kumar Garg


22 yrs (8.5 yrs in Sahara Income Fund)

Ashwini Kumar Fund Manager 10 yrs (1.5 yrs in Sahara Income Fund)

Date of Inception 21/2/2002 Total Expense Ratio (%) 0.35

Average Maturity of Portfolio 23 days AUM (` in Lakhs) 1959.70


DividendRecord Date Rate Cum Div NAV (`)26.03.2007 ` 1.00 per unit 11.7697

Dividend declared on the face value of `10. Past performance may or may not be sustained in future. Pursuant to payment of dividend, the NAV of the dividend option will fall to the extent of payout and dividend Distribution tax as applicable.




Scheme / Duration

SinceInception

SinceInception

29.09.2011 to

28.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010

29.09.2011 to

28.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010Income Fund 7.49 21517.59 9.37 8.91 4.79 10936.85 10891.07 10478.67Crisil Composite Bond Fund Index NA* NA* 9.53 5.58 5.47 10952.73 10557.95 10546.65

Crisil 10 yr Gilt Index 6.16 18850.83 8.03 3.20 3.95 10802.80 10319.80 10395.00

SMS MUTUAL TO 59090

Sahara INCOME FUND An Open-Ended Income Fund

The objective of the scheme is to generate income by investing in a portfolio of corporate and sovereign debt instruments and at the same time provide continuous liquidity along with reasonable safety.

Sahara CLASSIC FUND An Open-Ended Income Fund

The objective of the scheme is to generate returns by investing in debt instruments including money market instruments and also to invest in equity and equity related instruments to seek capital appreciation.

* AS INDEX INCEPTION IS 31.03.2002


FUND MANAGER

Name Designation Experience (Years)Naresh Kumar Garg


22 yrs (4 yrs in Sahara Interval Fund)

Ashwini Kumar Fund Manager 10 yrs (1.5 yr in Sahara Interval Fund)

Date of Inception 03/10/2008 Total Expense Ratio (%) 0.35Average Maturity of Portfolio 3 day AUM (` in Lakhs) 24.83

NAV AS ON 30.11.2012Growth Option ` 13.7317 Dividend

Option ` 13.7315


Certificate of Deposits 12.07%Oriental Bank Of Commerce _ 12.07%Reverse Repo/CBLo & Cash Recievables 87.93%TOTAL 100.00%

Minimum Application Amount

` 5000 & additional amount in Multiples of ` 1 thereafter.

Load Structure

Entry /Exit Load NIL

FUND MANAGERName Designation Experience (Years)Naresh Kumar Garg


22 yrs (8.5 yrs in Sahara Gilt Fund

Ashwini Kumar Fund Manager 10 yrs (1.5 yr in Sahara Gilt Fund)


NAV AS ON 30.11.2012Growth ` 19.4995 Dividend ` 16.2730

Minimum Application Amount` 5000 & additional amount of 1000 & Multiples of `1 thereafter.





Scheme / Duration

SinceInception

SinceInception

29.09.2011 to

28.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010

29.09.2011 to

28.09.2012

30.09.2010to

30.09.2011

30.09.2009 to

30.09.2010Gilt Fund 6.37 19246.89 8.08 6.56 3.51 10808.49 10656.17 10350.52I Sec Composite Gilt Index NA* NA* 10.07 6.30 5.65 11007.12 10629.63 10564.75Crisil 10 yr Gilt Index 6.16 18850.83 8.03 3.20 3.95 10802.80 10319.79 10395.00

SMS MUTUAL TO 59090

Sahara INTERVAL FUND An Debt Oriented Interval Fund

The objective of the scheme is to generate returns with low volatility through a portfolio of debt and money market instruments with a provision to offer liquidity at periodic intervals.

The objective of the scheme To generate reasonable returns by investing in sovereign instruments issued by Central / State governments.

Sahara GILT FUND An Open-Ended Gilt Fund

Returns as on 30.09.2012

CAGR RETURNS (%)

` 10,000 CAGR RETURNS ABSOLUTE RETURNS % ` 10,000 ABSOLUTE RETURNS

Scheme / Duration

SinceInception

SinceInception

29.09.2011 to

28.09.2012

30.09.2010to

30.09.2011

30.09.2009to

30.09.2010

29.09.2011 to

28.09.2012

30.09.2010to

30.09.2011

30.09.2009to

30.09.2010

Sahara Interval Fund 7.92 13553.40 9.21 8.26 4.97 10921.27 10825.66 10497.03

Crisil Liquidfex 6.81 13006.25 8.67 7.76 4.04 10867.30 10776.39 10403.92

I year t bill 5.79 12515.18 8.14 5.38 2.42 10813.60 10538.37 10241.97

Systematic Investment Plan (SIP) - Auto Debit / Ecs Facility AvailableMonthly 5 post dated cheques for minimum of ` 1000 each.Quartery 4 post dated cheques for minimum of ` 1250 each.

Load Structure (SIP)Entry / Exit Load NIL


Reverse Repo / Cash Receivables - 100.00%TOTAL 100.00%

DividendRecord Date Rate Cum Div NAV (`)26.03.2007 ̀ 1.00 per unit 11.4405

Dividend declared on the face value of `10. Past performance may or may not be sustained in future. Pursuant to payment of dividend, the NAV of the dividend option will fall to the extent of payout and dividend Distribution tax as applicable.


REGISTRAR & TRANSFER AGENTKARVY Computershare Private Limited (unit : Sahara Mutual Fund)

21, Avenue 4, Street No.1,Banjara Hills, Hyderabad - 500 034. Ph : 040 - 44677122 Email : [email protected]

KARVY INVESTOR SERVICE CENTRESAhmedabad : 079 - 26402967 ; 079 - 26400527 ; 079 - 26407541; 079 - 32997508 Allahabad : 0532 - 3240012; 0532 - 2260291; 0532 - 2260292; 0532 - 3294280 Bangalore : 080 – 32008452; 080 – 25320085; 080 - 41233439; Baroda : 0265 – 6640870; 0265 – 6640871; Bhubaneswar : 0674 - 6534585; 0674 - 2547531; 0674 - 2360334, 2360335; 0674 - 2547532; Chandigarh : 0172 - 4342618 ; 0172 - 5071726; 0172 - 5071727; 0172 - 5071728; Chennai : 044 - 42028513; 044 - 42028512; 044 - 28587772; 044 - 42028858(Exclusive for DWS) Cochin : 0484 - 4010224; 0484 - 4027672; 0484 - 4027672 / 0484 - 4010273; Coimbatore : 9600930515; 0422 - 4353211 to 217; Cuttack : 0671 - 2613906; 0671 - 2613905; Durgapur : 0343 - 6512111; Ghaziabad : 0120 - 3100049; 0120 – 2701891; 0120 – 2701886; Gorakhpur : 0551 - 3200444; 0551 - 3097816; 0551 - 3246793; 0551 – 3297817; 0551 - 2346519; 0551 – 3297816; Gurgaon : 0124 - 3210019 / 4297214 / 215; 0124 - 3243535; 0124 - 4083854; 0124 - 4086419; 0124 - 4086914; Guwahati : 0361 – 2203324; 0361 - 2608016; Hyderabad : 040 - 23312454/44677075/7076/7077; Indore : 0731 - 4266828; Jaipur : 0141 - 2379761; 0141 - 2375039; 0141 - 2363321; Jammu : 9205044668; 9906296948; Kanpur : 0512 - 3211008; 0512 - 3246390; 0512 - 3211008; Kolkata : 033 - 64444177; 033 - 64444176; 033 24659267/ 63 ; Lucknow : 0522 - 3213115; 0522 - 2236819;0522 - 2236820 / 28; Mangalore : 0824 - 2496289; Mumbai : 022 - 66235353 Nagpur : 0712 - 6610513; 0712 - 6618583; New Delhi : 011 - 43681700; Noida : 0120 - 3100214; Panjim : 0832 - 2426871/73; Patna : 0612 - 6453098; 0612 - 2321354; 0612 - 2321356; Pune : 020 - 25533795; 020 25539957; 020 - 25532783; 020 - 25533592; Raipur : 0771 - 6450194; 0771 - 4039320; Varanasi : 0542 - 3208198; 0542 - 2223814; 0542 - 2227259; 0542 - 2225365; 0542 - 3206494.

online investment facility available. Please visit www.Saharamutual.ComNo exit load under any scheme for direct applications

SAHARA ASSET MANAGEMENT CoMPANY PVT LTDCorporate office: 2nd Floor, Parinee Crescenzo, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051 Tel. : 022- 39664100 Email : [email protected]

SAHARA MuTuAL FuND INVESToR SERVICE CENTRESAHMEDABAD: No. 1, Ground Floor, Narnarayan Complex, Swastik Cross Road, Navrangpura, Ahmedabad - 380009. Tel. : 079 - 32942935. BANGALORE: No. 41, 3rd Cross, Ulsoor Road, Bangalore – 560 042. Tel: 080-32928532 BHuBANESHwAR: Plot No.617/D, Kharvel Nagar, Unit-3, In front of Giridurga Temple, Bhubaneshwar -751001. Tel. : 0674-2391372. CHANDIGARH: SCO -364-366, Cabin-304, Sec-34/A, 3rd Floor, above Tata Motors Office, Chandigarh – 160 034. Tel. : 0172-3244010 / 4536359 CHENNAI: Flat No. - J, 2nd Floor, Mount Chambers, No - 758, Anna Salai, Chennai-600 002. Tel. : 044 -32979232. COIMBATORE: Door No. 196/8, Ground Floor, Aiswarya Commercial Centre, T.V. Samy Road (West), R. S. Puram, Coimbatore – 641 002. Tel. : 0422-3296379 GURGAON: 3rd Floor, Augusta Point, Sector 53, Phase - 5 Gurgaon, Haryana – 122002. Tel. : 0124-3224746 GoRAKHPuR: Shop No.23, Upper Ground Floor, Cross Roads, “The Mall”, Bank Road, Gorakhpur - 273001. Tel. : 0551-3247171. HYDERABAD: Sahara Manzil, 2nd Floor, Opp. Secretariat, Basheerb-agh, Hyderabad - 500004. Tel. : 040 - 32936958. INDORE: Flat No. 315, 3rd Floor, President Tower, 6/2, South Tukoganj, Indore - 452001, Madhya Pradesh. Tel. : 0731 - 3255735. JAIPUR: Office No. 305 - A, 3rd floor, Shyam Anukampa, Opp. HDFC Bank, C Scheme, Ashok Marg, Jaipur - 302 001. Tel. : 0141 - 3269923. JAMMU: Kiosk -5, (B-1), North Block, Ground Floor, Bahu Plaza, Jammu-180012. Tel. : 09205044557. KOLKATA: Sahara India Sadan, Ground Floor, 2A-Shakespeare Sarani, Kolkata-700071. Tel. : 033 - 40032420. KOLKATA (Salt Lake): B D-16 (Ground Floor), Sector - 1, Salt Lake City, Kolkata - 700 064. Tel. : 033-40041617. LUCKNOW: Office No. 8, Ground Floor, Saran Chamber-1, V Park Road. Lucknow - 226001. Tel. : 0522 - 3242899. MUMBAI: 2nd Floor, Parinee Crescenzo, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051 Tel. : 022- 39664100 NEw DELHI: 701, 7th Floor, Deep Shikha Building no. 8, Rajendra Place, New Delhi- 110008. Tel. : 011 - 25755783. NOIDA: C-1, Sahara India Complex, Sector 11, Noida - 201301. Tel. : 09999380049 PATNA: C/o Sahara India Pariwar, Sahara India Vihar, Boring Road Chauraha, Boring Road. Patna - 800001. Tel. : 0612 - 3255280. PUNE: Office No.71, Shrinath Plaza, Off F C Road, Dnyaneshwar Paduka Chowk, Shivaji Nagar, Pune - 411 005. Tel. : 020-32934114. THANE: Shop No.-1, Santoshi Bhavan, Shivaji Path, Behind Punjab National Bank, Thane - 400 601. Tel. : 022 - 25441993

BOOK POST

The units of Sahara Interval Fund are listed on the National Stock Exchange of India in line with SEBI guidelines, “It is been distinctly understood that the permission given by NSE should not in any way be deemed or construted that the Scheme Information Document has been cleared or approved by NSE nor does it certify the correctness or completeness of any of the content of the Draft Scheme Information Document. The Investor are advised to refer to the Combined Scheme Information Document for the full text of the “Disclaimer clause of NSE’. ”

Mutual Fund Investments are subject to market risks, read all Scheme related Documents carefully.

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