This document provides information on the Birla Sun Life Balanced '95 Fund, an open-ended balanced mutual fund scheme. As of October 31, 2015, the fund's top holdings were in government bonds, banks, corporate debt, software, and pharmaceuticals. The top ten sector holdings were government bonds, banks, corporate debt, software, pharmaceuticals, finance, auto, petroleum products, industrial products, and media & entertainment. This product is suitable for long-term investors seeking capital growth and income through investment in both equity and debt instruments with a moderately high risk.