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1. Systematic Investment Plan
(It’s Never Too Late To Invest)
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2. Why SIP?
• Despite there being patches when the investments go under
water, the case for Systematic Investing is still compelling and
remains the best way to participate in the Equity markets.
Features of SIP:
1. Light on the wallet.
2. A specific amount is invested for a continuous period at regular
intervals under this plan.
3. SIP is similar to a regular saving scheme like a recurring
deposit. It is a method of investing a fixed sum regularly in a
mutual fund
4. SIP allows the investor to buy units on a given date every
month. The investor decides the amount and also the mutual
fund scheme
5. While the investor's investment remains the same, more
number of units can be bought in a declining market and less
number of units in a rising market
6. The investor automatically participates in the market swings
once the option for SIP is made
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3. Benefits of SIP
• Saving a small sum of money regularly at an early
age makes money work with greater power of
compounding with significant impact on wealth
accumulation.
• SIP helps in averaging cost of acquiring units
• It is very convenient. SIP can be operated by simply
providing post dated cheques with the completed
enrolment form or give ECS instructions. The cheques
can be banked on the specified dates and the units
credited into the investor's account.
• It helps in creating wealth over a longer time period.
• It makes investor disciplined in their savings.
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4. Example: Reliance Growth Fund
• Inception: 8-Oct-1995
• Amt of SIP: Rs.1000/- Per Month
• Total Months : 251 (Till 09-Sep-2016)
• Total Investment Value: Rs.2,51,000/-
• Value of Investment: Rs.57,04,014/-
• Annualised Returns: 25.06 %
• Annualised Returns of Index: 12.61 %
• Absolute Returns: 2172%
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5. Portfolio
Scheme Category Amt Rs.
HDFC Mid Cap Opp Fund Equity – Mid & Small Cap 2000
HDFC Prudence Fund Balanced 2000
Mirae Asset Emerging Bluechip Equity – Mid & Small Cap 2000
Motilal MOST Focused 35 Equity – Large Cap 2000
BSL MNC Fund Equity – Multi Cap 2000
Selecting well-performing funds with high ratings is the first step
towards successful investing
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6. Performance
* NAV as on 12-Sep-2016
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SIP Returns
Scheme
NAV
Rs
1 Yr 3 Yrs 5 Yrs 10 Yrs 15 Yrs Since
HDFC Mid-Cap Opp Fund 44.76 41.98 27.63 28.03 23.14
HDFC Prudence Fund 414.11 28.77 16.33 17.20 15.62 20.03 20.89
Mirae Asset Emerging Bluechip 36.73 39.34 31.47 32.08 28.41
Motilal MOST Focused 35 19.93 33.45 22.21
BSL MNC Fund 123.00 15.45 24.43 26.61 22.51 22.98 23.48

7. Performance
* NAV as on 12-Sep-2016
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SIP Returns & Valuations
Scheme
3 Yrs 5 Yrs 10 Yrs 15 Yrs Since Inception
Inv Rs. Value Rs.
Inv
Rs.
Value
Rs.
Inv Rs.
Value
Rs.
Inv Rs. Value Rs. Inv Rs. Value Rs.
HDFC Mid-Cap Opp 36000 52603 60000 117451 111000 335372
HDFC Prudence Fund 36000 45180 60000 91062 120000 269013 180000 945337 272000 4548629
Mirae Asset Emerging
Bluechip 36000 55244 60000 128925 75000 179330
Motilal MOST Focused
35 29000 37021
BSL MNC Fund 36000 50460 60000 113651 120000 388453 180000 1225412 267000 5837138

8. Asset Allocation
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9. Capitalisation
Portfolio Style Break Up
Rank Percentage (%)
Giant 25.63
Large Cap 19.51
Mid Cap 41.79
Small Cap 13.07
Not Classified 0.00
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10. Equity Style Box
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11. Sector Allocation
Portfolio Sector Allocation
Sector Net Asset(%)
Asset Value `
Financial 24.41 2242
Automobiles 10.61 974
Healthcare 9.77 896
FMCG 9.40 863
Energy 7.75 711
Chemicals 7.69 706
Engineering 7.62 699
Services 7.44 683
Technology 4.14 380
Cons Durables 3.34 307
Metals 2.79 255
Diversified 1.69 154
Textiles 0.46 42
Communication 0.20 18
Total 100.00 4563
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12. Stock Allocation
Top 15 Equity Portfolio Holdings
Company Net Asset(%)
Value `
Maruti Suzuki 3.15 289
HPCL 3.10 284
IndusInd Bank 3.00 275
HDFC Bank 2.13 196
Infosys 2.11 194
SBI 1.99 182
Bosch 1.95 178
ICICI Bank 1.82 167
Bayercrop 1.81 166
Kotak Mahindra Bank 1.70 156
Gillette 1.59 146
Eicher Motors 1.54 141
Britannia 1.49 137
Pfizer 1.36 125
BPCL 1.35 124
Others 69.90 6419
Total Portfolio Value 100.00 5000
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13. SIP of Rs.5000 p.m.
Returns
SIP
Period
(Yrs)
Total
Investment
12 15 18 20
5 300000 408348 442872 481073 508791
10 600000 1150193 1376000 1656000 1880476
15 900000 2497900 3342533 4528122 5578499
20 1200000 4946000 7486000 11544000 15548259
Monthly Income
(ROI @ 8% p.a.) 32973 49907 76960 103655
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14. • SIP is a Good way to Invest to
achieve Financial goal such as
Marriage or Education of Children's,
Wealthy Retirement and many more.
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15. To Invest In Mutual Funds
Contact :
Amit M. Surpuriya
KSHITIJ FINANCIAL SERVICES
Mobile: 98508 73688
Email: asurpuriya@gmail.com
Website:http://www.kshitijfinancial.com/

16. Disclaimer
• Mutual Fund investments are subject to market risk,
please read offer document carefully before investing.