Creating India's leading financial superstore

May 2010

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Contents

Reliance ADA group

Reliance Capital

Reliance Mutual Fund

Reliance Life Insurance

Reliance General Insurance

Reliance Money

Other businesses

Product offerings @ Reliance Capital

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The vision of one man

If you can dream itYou can Do it

Our legendary founderSh. Dhirubhai Hirachand Ambani 28th December 1932 - Forever

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Reliance Anil Dhirubhai Ambani Group

Reliance ADA Group

Communications

Natural resources& Energy

Financial Services Power

Media &Entertainment

Infrastructure

Diversified

Over 150 million customers – 1 in every 8 Indians 12 million shareowners – amongst largest in the world 130,000 young, trained and motivated people Group net worth of US$ 17 billion Group market capitalization of over US$ 24 billion Flagship stocks included in Sensex, Nifty, MSCI and Futures & Options

Among India’s top 3 business groups

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Business mix

RELIA

NC

E C

APIT

AL

ASSETMANAGEMEN

T

INSURANCE

RELIANCEMONEY

HOME & CONSUMER

FINANCE

Asset Reconstruction

Mutual FundPortfolio Management

Offshore funds

Life Insurance General Insurance

Broking DistributionInvestment Banking

MortgagesLoans againstproperty

Business Loans

OTHER BUSINESSES

Creating India’s leading financial superstore

WealthManagement

Exchanges

Institutional

Broking

Pension funds

Private Equity

Vehicle Loans

VentureCapital

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Reliance Capital…

‘Most valuable financial services company’ in India*

Over 20 million customers

India’s #1 mutual fund

Among top 3 private sector life insurers

Among top 3 private sector general insurers

India’s leading brokerage and distributor of financial products

Amongst leading lenders in Indian non banking finance sector

Pan India distribution network with over 6,500 outlets

Amongst top 100 dividend paying companies in India in 2009**

… targeting leadership in all its businesses

* BT1000’ Industry ranking by Business Today - October 2009** Survey by Economic Times – November 2008

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Reliance Mutual Fund

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Reliance Mutual Fund – an overview #1 Mutual Fund in India

­ AAUM: Rs 1,10,412 Cr.2 Trn ­ Market share – 15%

Products: ­ 35 schemes – starting from Rs. 100­ Debt, Equity and Liquid

Extensive Distribution Network­ Present across 246 locations in India ­ Distributor Coverage 2,500 locations­ Presence in Dubai, Singapore, Mauritius, Malaysia & UK

Customers­ 75 lac investor folios ­ Over 10 lac SIP accounts (market shares 30%+)­ Prestige Accounts: EPF and PF

1st Indian MF to launch instant redemption facility through Debit card – Reliance Any Time Money card

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AchievementsThe Recent BIG 3 Mutual Fund House of the Year, CNBCTV18-CRISIL, 2009 CRISIL Fund House Level 1 for highest level of process quality & risk management practices Moneylife has ranked RMF as ‘Best Fund House of Year 2009‘

Fund house of the Year -India Asset Mgmt 2008

Best Equity Fund House – Asian Investor

Performance

‘India’s MostTrusted MutualFund’ – 3 yearsin a row – ET-AC NielsenORG MARG

Trust

Best Fund House 2009 –Asia Risk

Most ImprovedFund House –Best of Country2007, AsiaAsset Mgmt

Quality

‘India’s Most Trusted Mutual Fund’

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Reliance Life Insurance

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Reliance Life Insurance - an overview

# 4 Private sector life insurance Company­ Market share – 10.2%

Only 100% Indian owned life insurer Premium growth trajectory – amongst fastest growing Customers

­ Over 4 million customers – fastest growth­ No of policies – over 6 mln­ #1 in no of policies sold in private sector

Vast distribution Network­ 1,247 branches ­ Over 1,95,000 Agents

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Nationwide Geographic Footprint

East

No. of branches:

194

No. of agents:

34,136

West

No. of branches:

184 No. of agents:

18,865

Central

No. of branches:

87 No. of agents:

9,252

South

No. of branches:

158 No. of agents:

23,437

North

No. of branches:

122

No. of agents:

22,248

South Central

No. of branches:

211 No. of agents:

21,126

North Central

No. of branches:

189 No. of agents:

20,549

Source: Reliance Life as of March 2009

Unparalled distribution network growth in past 4 years

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Key Achievements

Living upto a proud legacy

Demonstrated Unparalleled Growth 4th largest private player in just over 2

years No 1 private insurer in number of

policies YTD FY10 Over 1,200 branches up from 156 in

FY06 Fastest to reach the 6 million policy

mark

State of Art Technology Most comprehensive online service &

sales platform Real-time & online company

dashboards Auto Underwriting systems One-step fulfillment CRM system Global CIO 100 Honoree

Customer & Quality Focus Rated ‘Excellent’ in CSAT for 2 years 1st Life Insurer to be ISO 9001 certified

for all processes pan-India Winner of Internal chairman’s quality

award Winner of Quality Council of India

award-2008

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Reliance General Insurance

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Reliance General Insurance – an overview # 3 private sector general

insurance company­ 14 % private sector market share

Products­ Motor Insurance largest business

­ Health and SME segments – fastest growing segments

Distribution Network­ Branches: 200

­ Over 4,600 intermediaries Over 3 million customers

3rd largest private sector general insurance player

Motor66%

Health12%

Fire7%

Engineering5%

Others10%

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Key achievements Reliance General Insurance is 3rd Largest Pvt Sector Insurance Co with

100% Indian Equity

1st Private Sector Non Life Insurance Company to get licensed from the IRDA in October 2000

Solvency ratio of 1.88 much above the stipulated ratio of 1.50

Balanced portfolio of all product classes with strong retail focus

Strength of channels in space of bancassurance / large distribution houses, agency, motor dealers and DSA, corporates and SMEs

Written around 27 lac policies till Dec 09 and have settled around 2 lac claims

Implementation of Process Excellence in form of BPMS and

6 Sigma efficiency standards & ISO Certified Company

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Reliance Consumer Finance

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Reliance Consumer Finance Started in May 2007 – emerged as one of leading lenders in Indian

non banking finance space

Loan book of Rs. 9,170 Cr – over 1,10,000 customers from 16

locations in India

As Provider of loan solution for all consumer needs

Change of focus to secured lending in April 2008

Focused on productive asset creation

Portfolio quality & profitability being chief deliverables

Three main areas – Mortgages, SME finance & Vehicle finance

Self-employed segment main customers

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Focus on quality of assets & profitability

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Loan Book Composition as on March 31, 2010

Loans against

shares, 4%

CVs, 16%

SMEs, 29%

Auto, 7%

Mortgages, 38%

Personal, 6%

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Key achievements

In less than 3 years, emerged as one of leading lenders

in Indian non banking finance space

Current assets under management – over Rs. 11,000 Cr

Now organised into – Reliance Home Finance and

Consumer Finance

Highest short term & long term rating

Quality processes appreciated by external bodies

Highest credit ratings in industry – both long & short term

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Reliance Money

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HNI Segment

Money Transfer Services & Gold

Mutual Funds, &Insurance

DistributionBroking

& Incidental Distribution

SME’s &Corporates

Wealth Management Services

Investment Banking

Touching lives across all strata of economic society

Mass Affluent

& Traders

Semi Urban Class

Catering to Rural

India

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• Urban & Semi-Urban class• Mass affluent & Traders• HNI Segment• SMEs, Corporate & UHNW

• SMEs• Corporates• UHNW

• Rural India• Urban & Semi- Urban class

• Rural India• Urban & Semi-Urban class

• HNI Segment

• Equity & Commodity• Direct & Franchisees• On-line & Call N Trade• Research & Advisory

• Issue management• Debt syndication• Distribution

• Gold Coins • Insurance• Mutual Fund • FDs & IPOs

• Profitable rural footprint• Distribution

• PMS• Structured Notes• NRI Market

Retail Broking

Investment Banking

Wealth Management

Distribution

Gold/Insur etc MTS/FFMC

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One of India’s leading brokerage and distributor of financial products

Pan India presence with over 5,000 outlets

Multiple access points to ensure effective, anytime – anywhere transactions

Focus on broking, distribution (3rd party & in-house), wealth management and investment banking

4

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Business Mix Equity Broking

­ 6,40,000 customers­ Average daily turnover Rs 2,200 Cr­ Market share ~ 2.2 %

Commodity Broking­ 14,000 customers­ Average daily turnover Rs 250 Cr­ Market share ~ 1.00 %

Gold Coins­ Distribution tie-up – India Post

500 post office covered Gold Accumulation Plan

­ Volumes sold - 500 kg

Money Transfer­ Primary Agent of Western Union­ 60 own branches ­ Over 4,700 agents­ Over 16 lac transactions in FY10

X-Sell & Third Party­ Amongst top 5 distributors for RLI ­ Largest distributor for RGI­ Leading distributor of MFs, IPOs & FDs

Money Changing­ Buying and selling of Currencies, TC’s

and Travel Card­ #2 Exporter of Foreign Currencies ­ Network of 60 branches and 2 export hubs

One of leading broking houses in just 3 years of operations

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Complementing financial offerings at Reliance Capital

New business initiatives

Two Verticals

Capital Markets

Advisory Services

Syndication activity

IPO / NCD / Fixed Deposits

IPO Funding : FY 2010 - Rs 2,000 Cr

Building a New Team

Started operations in Oct 2009

Focus on HNI category

Current AUM Rs. 100 Cr

Enhancing advisory capabilities

Wealth Management Investment Banking

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Other businesses

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Updates on other businesses

Reliance Equities International- Institutional broking

- Plans to take a majority stake in Quant Capital Group – subject to regulatory approvals

- Will integrate operations to achieve full benefits of business synergies, cost optimization

and increased scale of operations

Reliance Spot Exchange- New initiative for setting up modern exchanges in various segments

- Launched Reliance Spot Exchange in Oct 2009 – commenced e-auction in metals & subsequently

added spices contract

- Successfully completed 3 auctions in metals & pepper

- Aims to bring different markets together on national electronic platform – create transparency,

efficiency & infrastructure for spot markets across India

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Updates on other businesses contd..

Reliance Equity Advisors- Private equity fund

- 1st round of fund raising completed and in advanced discussions to close 2nd round

- Fund raising to commence for international fund – Reliance Alternative Investment Fund 1 LLC

- Will co-invest with domestic fund

- Target investors from International LPs and NRIs

- Invest in sunrise and growth sectors

- first investment in promising sector of education – Pathways World School

Reliance Asset Reconstruction- Acquisition, resolution and management of distressed debt

- Current asset base of over Rs. 170 million (US$ 4 million)

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Updates on other businesses contd..

Reliance Venture Asset Management (RVAM)- Venture capital arm of Reliance ADA Group

- AUM – Rs. 116 Cr

- Stage, sector and geography agnostic

- Ranked 30th in reputed US based Red Herring Top 100 Global Venture firms in 2009 – only

Indian Corporate Venture Capital to feature in this list

- Spawned companies like:

- Yatra.com – India’s largest online travel website

- Suvidhaa

- MIT and Stanford start ups – exclusive India partners for MIT & Stanford’s entrepreneurship

& business competitions VAM invest in sunrise and growth sectors

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Product offerings @ Reliance Capital….

… A complete suite of products!

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Reliance Mutual Fund Products

17 equity schemes + 15 debt schemes + 1 Balanced fund + 2 ETFs + Fixed Maturity Plans = a wide & diverse

product basket to choose from

Equity Mutual Fund Schemes - 17 Diversified Equity Funds

­ Reliance Growth Fund­ Reliance Vision Fund­ Reliance Equity Opportunities Fund­ Reliance Tax Saver (ELSS) Fund­ Reliance NRI Equity Fund

Sector Specific Funds­ Reliance Banking Fund­ Reliance Diversified Power Sector Fund­ Reliance Pharma Fund­ Reliance Media & Entertainment Fund

ETF­ Reliance Banking ETF­ Reliance Gold ETF

Balanced Fund RRSF Balanced Fund

­ Reliance Equity Fund­ Reliance Long Term Equity Fund­ Reliance Equity Advantage Fund­ Reliance Natural Resources Fund­ Reliance Infrastructure Fund­ Reliance Quant Plus Fund­ RRSF Equity Fund­ Reliance Equity Linked Savings Fund Series I

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Reliance Mutual Fund Products contd…

Products start with minimum investment of Rs. 5,000/ month

SIPs as low as Rs. 100/ month

Fixed Income Mutual Fund Schemes

Liquid Funds­ Reliance Liquid Fund – Cash Plan­ Reliance Liquid Fund – Treasury Plan

Long Term / Short Term Fixed Income Funds­ Reliance Medium Term Fund ­ Reliance Monthly Income Plan ­ Reliance Income Fund

Gilt Funds­ Reliance Gilt Securities Fund

Fixed Maturity Plans

­ Reliance Short Term Fund­ Reliance NRI Income Fund­ Reliance Regular Savings Fund – Debt­ Reliance Dual Advantagre Fixed Tenure Plan­ Reliance Interval Funds

­ Reliance Liquidity Fund­ Reliance Floating Rate Fund­ Reliance Money Manager Fund

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Reliance Life Insurance– 47 products in its basket

Protection Plans

Term (pure risk)

Savings and Investment

Plans Unit-linked

Insurance Plan Endowment

Comprehensive product portfolio and proven product innovation capabilities Product solutions offering lifestyle management 29 new products launched in last three years

Product Categories

Individual - 39 Group - 8

Group LifeChild Plans

Unit-linked plans

Traditional plans

Employers Liability Solutions

Employers Protection Solutions

Employee Voluntary Benefits

• In-house product design and development capabilities

• Unique ability to balance profitability with product features that customers perceive as being valuable

• Wide variety of Protection, Savings & Investment Solutions for entire spectrum of life-stage needs

Retirement Plans

Unit-linked Pension plans with life cover / without life cover

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Reliance Life Product Solutions

Plans that help set aside money for family,

achieve adream or fulfill a promise

ULIPs:­ Single / Regular

Premium­ High / Low

market exposure­ Gradual

investment into equities available

­ Parking of return in safe investments

­ Pensions Traditional Plans:

­ Money Back­ Endowment­ Whole Life Plan

Savings & Investments

Plans that aim to reduce uncertainty and ensure family protection at all

times

ULIPs:­ Health Plan for

savings & health

Traditional Plans:­ Term Plan for

pure insurance­ Credit Guardian

for loan protections

­ Endowment for Insurance + savings

Protection

Plans that encourage early

savings for retirement Planning

ULIPs:­ Golden Years

Plan Series­ SAIP – Life stage

asset allocation ­ RMGP –

Guarantee protection against any downside

Retirement

Plans to secure the child’s future needs to provide

them the best in life

ULIPs:­ Secure Child Plan

with Return Shield & Capital Guarantee

­ RSIP for flexibility, insurance and savings

­ Health Plan for child’s health

Traditional Plans­ Risk protection,

future premium waivers & Guaranteed fixed benefits

Child

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Reliance Life product basket 47 products comprising of ULIPs and traditional products

Third parties & franchisees:­ Rs. 10,000 or less - Reliance Tradition Super Invest Assure Plan

Non linked Customer bonus upto 250% of first year premium Accumulation rate guaranteed a year in advance Flexible features of loan, additional accumulation & partial withdrawal from top up

account

­ Rs. 10,000 or more – Super Invest Assure Basic Plan ULIP with loyalty bonus In higher premium segment – better allocation with increasing premium

amount Individual advisors:

­ Apart from products detailed above, Automatic Investment Plan, Pension product Golden Years Plan, Reliance Super InvestAssure Plus, Highest NAV Guarantee

­ For HNIs – Reliance Premium Life – low cost ULIP with 1st year charge of only 6% and no charges on renewal allocation

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Reliance General Insurance – over 100 products…

Retail cust. & Deposit holders

Retail cust. & Deposit holders

•Motor Insurance•Home Insurance•Health & PA•Loan Care•Householders Policy

SME customersSME customers

• Shopkeeper Policy• Industry & Commercial Care

Corporate CustomersCorporate Customers

• Fire policy• Engg. policy• Marine policy• Liability policy

Interplay of products and customer segments…

… to encompass retail + institutional customer space

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•Motor Insurance

•Education Protect ( From

Institute to Student Loans)

•Loan Protect (Bundled with Home

Home & Auto Loan File- Proposal Based

Insurance with Critical Illness, Job Loss,

EMI Based Insurance &Personal Accidental Death

•Home Care

(Contents & Structure)

Reliance General Insurance products

•Workman compensation (SME)

•Fire

•Shopkeeper/Office Package Policy

•Commercial Care (SMEs)

•Shopkeeper Package

•Money Insurance

•Marine Cargo

•Liability Product

•Jewelry Block

•Student Overseas Medical Plan

Motor Vehicle / Home/ Education/Mortgage

Personal /Consumer Loans

•Health on Card Base•Personal Loan Care•Critical Illness•Personal Accident

•Commercial Care Policy

•Other Package Policy

•Liability Policy & GPA

•Marine Cargo

•Transit Insurance

•Fire & Eng.

•EAR / CAR

Mortgage Loan for Trade

& Service Sector

Corporate/SME /

All Purpose Agri Term Loan

•Farmer Package Policy•Micro Insurance Product•Janta Personal Accident

A Total End to End Solution….

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Loan Care Product (Home, PL and Auto)­ Unfortunate death/permanent total disability arising out of accident, or­ Being diagnosed as contracting any of the listed Critical Illnesses, or­ Loss of employment on account of termination/dismissal/retrenchment

Education Protect – Useful for relationship with Education Institution ­ PA + Health Cover for students and staff ­ Fire and Contents cover for the building­ Many other optional covers

Complimentary products bundled offers value to customers

Reliance General Insurance products contd…

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Reliance Consumer Finance

Diverse range of loan offerings

Home Loans

Loans against property

Loans against policies

Auto loans

Loans for Commercial Vehicles

Loans for Construction Equipment

Loans against Shares

SME Loans

Micro finance products

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Reliance Money Equity & commodity broking – offer online broking services to

customers & employees Wealth Management Services – niche provider of bouquet of

investment products focused on retirement of Ultra HNI & also for investment companies, corporate or institutions

­ Custom made equity portfolios

­ Equity & debt mutual fund investments

­ Structured products

­ Advisory services on private equity & real estate oriented funds

Sub agent opportunity for money transfer services Gold coin distribution IPO distribution & funding

Bouquet of services under one brand!

Thank you

May 2010