IVL Financials Q1-2010-11

ING Vysya Life Insurance Company Limited
(Registration No: 114; Date of registration: 2 August 2001)

Index
Form No.
Description
L1 - A-Revenue Account
L2 - A-Profit & Loss Account
L3 - A-Balance Sheet
L4 - Premium Schedule
L5 - Commission Schedule
L6 - Operating Expenses Schedule
L7 - Benefits Paid Schedule
L8 - Share Capital Schedule
L9 - Pattern Of Shareholding Schedule
L10 - Reserve And Surplus Schedule
L11 - Borrowings Schedule
L12 - Investment Shareholders Schedule
L13 - Investment Policyholders Schedule
L14 - Investment-Assets Held To Cover Linked Liabilities Schedule
L15 - Loans Schedule
L16 - Fixed Assets Schedule
L17 - Cash And Bank Balance Schedule
L18 - Advances And Other Assets Schedule
L19 - Current Liabilities Schedule
L20 - Provisions Schedule
L21 - Misc Expenditure Schedule
L22 - Analytical Ratios
L23 - Receipts and Payments Schedule (to be submitted on a yearly basis)
L24 - Valuation of Net Liabilities
L25 - Geographical Distribution of Business - Group & Individuals
L26 - Investment Assets
L27 - ULIP Linked Business
L28 - ULIP NAV
L29 - Debt Securities
L30 - Related Party Transactions
L31 - Board of Directors & Key Persons
L32 - Solvency Margin
L33 - NPAs
L34 - Yield On Investment
L35 - Downgrading Of Investment
L36 - Business Numbers
L37 - Business Acqusition (Group)
L38 - Business Acqusition (Indiviudal)
L39 - Claims Ageing
L40 - Claims Data
L41 - Grievances (Life)
L42 - Valuation Basis (Life)
Revenue Account
Profit & Loss Account
Balance Sheet
Premium
Commission Expenses
Operating Expenses
Benefits Paid
Share Capital
Pattern of Shareholding
Reserves and Surplus
Borrowings
Investment-Shareholders
Investment-Policyholders
Investment-Assets Held to Cover Linked Liabilities
Loans
Fixed Assets
Cash and Bank Balance
Advances & Other Assets
Current Liabilities
Provisions
Misc Expenditure
Analytical Ratios
Receipts & Payment Statement (to be submitted on a yearly basis)
Valuation on Net Liablities
Geographical distribution of Business
Asset Class
ULIP Fund
ULIP NAV
Debt Securities
Related Party Transanctions
Board of Directors & Key Persons
Solvency
NPAs
Investment break down by class and yield on Investment
Downgrading of Investment
Premium and number of lives covered by policy type
Detail of the business procured -Distribution Channel wise
Detail of the claim paid
Ageing of Claims
Claims Data
Grievance Disposal
Main Parameters of Valuation

Unaudited Revenue Account for the period ended 30 June 2010
Form : L1-A-RA
Policyholders Account (Technical Account)
Particulars
Premiums earned net

(a) Premium
(b) Reinsurance ceded
(c) Reinsurance accepted
Income from Investments
(a) Interest, dividends and rent gross
(b) Profit on sale/redemption of investments
(c) (Loss) on sale/ redemption of investments
(d) Transfer Gain / (Loss) on revaluation / change in fair value
Other Income
(a) Miscellaneous income
(b) Contribution from the shareholders' account
Total (A)
(` '000)
Schedule
L4
Commission
Operating expenses relating to insurance business
Provision for doubtful debts
Bad debts written off
Provision for tax (Fringe benefit tax)
Provisions (other than taxation)
(a) For diminution in the value of investments (net)
(b) Others
Total (B)
L5
L6
Benefits paid (net)

Interim bonuses paid
Change in valuation of liability against life policies
(a) Gross
(i) Linked
(ii) Non-Linked
(b) (Amount ceded in reinsurance)
(c) Amount accepted in reinsurance
Total (C)
L7
Surplus / (Deficit) (D) = (A)-(B)-(C)

Appropriations
Transfer to shareholders account
Transfer to other reserves
Balance being funds for future appropriations
Total (D)
Funds for Future Appropriation
Opening Balance as at April 1, 2010
Add: Current year appropriations
Balance Carried forward to Balance Sheet
For the Quarter

ended on 30 June
2010
Up to the Quarter
ended on 30 June
2010
For the Quarter

ended on 30 June
2009
Up to the Quarter
ended on 30 June
2009
3,144,493
(22,396)
-
3,144,493
(22,396)
-
3,200,232
(20,597)
-
3,200,232
(20,597)
-
585,293
369,743
(79,557)
264,189
585,293
369,743
(79,557)
264,189
338,582
1,373,113
(152,557)
3,522,265
338,582
1,373,113
(152,557)
3,522,265
(52,215)
303,046
4,512,596
(52,215)
303,046
4,512,596
3,971
462,972
8,727,980
3,971
462,972
8,727,980
201,980
1,150,318
25
201,980
1,150,318
25
231,401
1,070,899
2,884
231,401
1,070,899
2,884
1,352,323
1,352,323
1,305,184
1,305,184
1,159,091
190
1,159,091
190
315,764
123
315,764
123
2,130,263
1,293,466
836,796
(19)
3,289,525
2,130,263
1,293,466
836,796
(19)
3,289,525
6,985,479
6,110,605
874,874
1,707
7,303,073
6,985,479
6,110,605
874,874
1,707
(129,252)
(129,252)
119,723
119,723
2,405
(131,657)
(129,252)
2,405
(131,657)
(129,252)
4,214
115,510
119,724
4,214
115,510
119,724
265,262
(131,657)
133,605
265,262
(131,657)
133,605
66,116
115,510
181,626
66,116
115,510
181,626
7,303,073

Unaudited Profit and Loss Account for the period ended 30 June 2010
Form : L2-A-PL
Shareholders Account (Non - Technical Account)
Particulars
Amount transferred from policyholders account (Technical account) (A)

Income from Investments
(a) Interest, dividends and rent - Gross
(b) Profit on sale/redemption of investments
(c) (Loss) on sale/ redemption of investments
Other income
Total (B)
Expense other than those directly related to the insurance business
Bad debts written off
Provisions (other than taxation)
(a) For diminution in the value of investments (net)
(b) Provision for doubtful debts
(c) Others (to be specified)
Contribution to policyholders fund
Total (C)
Profit / (loss) before tax (A) + (B) - (C)
Provision for wealth tax
Profit / (loss) after tax
(` '000)
Schedule
For the Quarter

ended on 30 June
2010
Up to the Quarter
ended on 30 June
2010
For the Quarter

ended on 30 June
2009
Up to the Quarter
ended on 30 June
2009
2,405
2,405
4,214
4,214
18,004
9,871
27,875
18,004
9,871
27,875
33,589
3,765
37,354
33,589
3,765
37,354
8,409
-
8,409
-
3,151
-
3,151
-
303,046
311,456
303,046
311,456
462,972
466,123
462,972
466,123
(281,176)
(281,176)
(424,555)
(424,555)
131
131
222
222
(281,307)
(281,307)
(424,777)
(424,777)
Appropriations
(a) Balance at beginning of the year
(b) Interim dividends paid during the year
(c) Proposed final dividend
(d) Dividend distribution on tax
(e) Transfer to reserves/ other accounts
(10,489,176)
-
(10,489,176)
-
(9,121,528)
-
(9,121,528)
-
Profit / (loss) carried forward to the balance sheet
(10,770,483)
(10,770,483)
(9,546,305)
(9,546,305)

Unaudited Balance Sheet as at 30 June 2010
(` '000)
Form : L3-A-BS
Particulars
Schedule
SOURCES OF FUNDS
Shareholders' Funds:
Share Capital
Share Application Money
Reserves and surplus
Credit / (debit) balance in fair value change account (net)
Sub-total
Borrowings
Policyholders' funds:
Credit / (debit) balance in fair value change account (net)
Policy liabilities
- Par
- Non Par
- Pension
Insurance reserves
Provision for linked liabilities
Fair value change (linked)
Non-unit liabilities
Total linked liabilities
Sub-total
L8, L9
L10
L11
Funds for future appropriation - Unit Linked

Funds for future appropriation - Par
Total
As at 30 June
2010
12,274,830
1,510,927
11,201
13,796,957
As at 30 June
2009
10,191,500
1,583,331
1,463
11,776,294
4,990
3,804
9,249,443
731,477
3,855,229
29,548,991
4,388,921
132,790
34,070,703
47,911,842
7,074,840
516,480
2,417,079
20,736,287
2,233,100
119,052
23,088,439
33,100,642
133,605
61,842,405
95,024
86,602
45,058,562
3,228,112
13,735,422
34,071,518
2,441,894
9,646,463
23,183,463
APPLICATION OF FUNDS
Investments
Shareholders
Policyholders
Assets held to cover linked liabilities
L12
L13
L14
Loans
L15
92,993
58,265
Fixed Assets (Net)
L16
154,743
253,894
Current Assets
Cash and bank balances
Advances and other assets
Sub-total (A)
L17
L18
414,041
1,261,126
1,675,167
392,519
1,413,808
1,806,326
L19
L20
1,875,951
10,080
1,886,031
1,865,484
12,563
1,878,047
Current liabilities
Provisions
Sub-total (B)
Net current assets (C) = ((A) (B))
Miscellaneous expenditure (to the extent not written off or adjusted)
(210,865)
L21
(71,721)
-
Debit balance in profit and loss account (shareholders' account)
10,770,483
9,546,305
Total
61,842,405
45,058,562
(0)
Contingent Liabilities
Particulars
As at 30 June
2010
-
1. Partly paid up investments
As at 30 June
2009
-
2. Claims, other than those under policies, not acknowledged as debts by the Company
3. Underwriting commitments outstanding (in respect of shares and securities)
4. Guarantees given by or on behalf of the Company
5. Statutory demands / liabilities in dispute, not provided for (*)
853,138
6. Re-insurance obligations to the extent not provided for in accounts
7. Re-insurance obligations to the extent not provided for in accounts
8. Others Policy claims under dispute less reinsurance (where applicable)

(*) The company has received the following notices with respect to excess utilisation of CENVAT credit towards service tax liability.
(1) Show cause-Cum Demand dated 18th October 2007 from the Office of the Commissioner of Service Tax
(2) Show cause-Cum Demand dated 26th September 2008 from the Office of the Chief Commissioner (Large Tax Payer Unit)
th
(3) Show cause notice dated 30 Sep 2009 from Service Tax Department under CENVET credit rules 2004
IT Dept (International Taxation) appealed against the decision ITAT (which was in the favour of IVL) in the Honourable High Court of Karnataka.
15,369
79,490
18,058

Schedules forming part of Financial Statements for the period ended 30 June 2010
(` '000)
FORM L4-Premium Schedule
Particulars
For the Quarter
ended on 30 June
2010
Upto the Quarter

ended on 30 June
2010
For the Quarter

ended on 30 June
2009
Upto the Quarter

ended on 30 June
2009
Premium
(net of service tax)
First year premiums
1,151,161
1,151,161
1,199,477
1,199,477
Renewal premiums
1,969,474
1,969,474
1,960,341
1,960,341
23,857
23,857
40,413
40,413
3,144,493
3,144,493
3,200,232
3,200,232
Direct - First year premium
178,992
178,992
189,298
189,298
- Renewal premium
26,576
26,576
40,823
40,823
477
477
1,280
1,280
206,045
206,045
231,401
231,401
Single premiums
Total premium
FORM : L5-Commission Schedule

Commission
Commission paid
- Single premium
Total
Add : Commission on
reinsurance accepted
Less : Commission on
reinsurance ceded
Net Commission
4,065
4,065
201,980
201,980
231,401
231,401
Break up of commission paid to intermediaries:
Agents
143,322
143,322
180,067
180,067
Brokers
3,310
3,310
2,121
2,121
Corporate agency
4,107
4,107
3,658
3,658
Referral
4,336
4,336
9,664
9,664
50,971
50,971
35,891
35,891
206,045
206,045
231,401
231,401
Bancassurance
Total

FORM : L6-Operating Expenses Schedule
(` '000)
Operating expenses relating to insurance business
Particulars
Employees remuneration, welfare benefits and other manpower costs

Travel, conveyance and vehicle running expenses
Rent, rates and taxes
Repairs, maintenance and office upkeep
Printing and stationery
Communication expenses
Legal expenses
Professional charges
Medical fees
Auditors' fees, expenses etc
a) as auditor
b) as advisory
(i) Taxation matters
(ii) Insurance matters
(iii) Management services
c) tax audit
d) any other capacity (reimbursements)
Advertisement and publicity
Interest and bank charges
Recruitment expenses
Electricity charges
Service tax on premium
Service tax expense
Sales and business promotion expenses
Exchange fluctuation loss / (gain)
Membership fees
Depreciation
Other expenses
Total
For the Quarter

ended on 30 June
2010
Upto the Quarter

ended on 30 June
2010
For the Quarter

ended on 30 June
2009
Upto the Quarter

ended on 30 June
2009
687,717
17,890
104,208
22,699
11,522
35,462
6,344
27,861
1,438
687,717
17,890
104,208
22,699
11,522
35,462
6,344
27,861
1,438
631,232
20,850
97,050
31,083
17,610
42,366
3,526
22,203
1,968
631,232
20,850
97,050
31,083
17,610
42,366
3,526
22,203
1,968
465
465
465
465
38
47
32,363
16,318
13,713
19,426
120
123,205
(343)
1,016
18,977
9,830
38
47
32,363
16,318
13,713
19,426
120
123,205
(343)
1,016
18,977
9,830
38
104
21,792
11,134
5,121
20,998
91,179
(7,409)
767
26,941
31,883
38
104
21,792
11,134
5,121
20,998
91,179
(7,409)
767
26,941
31,883
1,150,318
1,150,318
1,070,899
1,070,899
FORM : L7-Benefits Paid Schedule

Benefits Paid (Net)
1. Insurance Claims:
(a)
Claims by death
69,114
69,114
51,352
51,352
(b)
Claims by maturity
81,584
81,584
61,449
61,449
(c)
Annuities / pensions in payment
(d)
Periodical Benefits
(e)
Health
(f)
Other benefits (incl Surrenders)
1,011,549
1,011,549
208,684
208,684
2. (Amount ceded in reinsurance) :

(a)
Claims by death
(3,156)
(3,156)
(5,721)
(5,721)
(b)
Claims by maturity
(c)
(d)
Periodical Benefits
-
(e)
Health
(f)
Other benefits
3. Amount accepted in reinsurance :
Total
(a)
Claims by death
(b)
Claims by maturity
(c)
(d)
Periodical Benefits
(e)
Health
(f)
Other benefits
1,159,091
1,159,091
315,764
315,764

(` '000)
FORM : L8-Share Capital Schedule
Particulars
As at 30 June
2010
As at 30 June
2009
Share capital
Authorised capital
1,615,000,000 (Previous Year: 1,615,000,000) Equity shares of Rs 10 each
Issued capital
Subscribed capital
Called-up capital
Less : Calls unpaid
Add : Shares forfeited (amount originally paid up)
Less: Par value of equity shares bought back
Less : Preliminary expenses
Less: Expenses on underwriting or subscription of shares
Total
16,150,000
16,150,000
12,274,830
10,191,500
12,274,830
10,191,500
12,274,830
12,274,830
10,191,500
10,191,500
FORM : L9-Pattern of Shareholding Schedule
Pattern of Shareholding
(As Certified by the Management)
Shareholders
Promoters
- Indian
- Foreign *
Others
- Indian
Total
Current year
% of holding
No. of shares
613,741,500
319,145,580
50%
26%
Previous year
% of holding
No. of shares
627,062,181
264,979,000
62
26
294,595,920
24%
127,108,819
12
1,227,483,000
100%
1,019,150,000
100
Note:
The Company is not a subsidiary of any company, hence disclosure requirements related to capital held by holding company under Schedule 5 of
Part V of Schedule A of IRDA (Preparation of Financial Statements and Auditors Report of Insurance Companies) Regulations, 2002 is not applicable.
* The shares held by ING Insurance International B.V. (III) include two shares jointly held by III and two nominee shareholders of III to comply with the
requirement of a public company to have a minimum of seven shareholders.

(` '000)
FORM : L10-Reserve and Surplus Schedule
Particulars
As at 30 June 2010
As at 30 June 2009
Reserves and surplus

Capital reserve
Capital redemption reserve
Share premium
Revaluation reserve
General reserves
Less: debit balance in profit and loss Account, if any
Less: Amount utilized for buy - back
Catastrophe reserve
Other reserves (to be specified)
Balance of profit in profit and loss account
Total
FORM : L11-Borrowings Schedule

Borrowings
Debentures/ Bonds
Banks
Financial Institutions
Others
Total

(` '000)
FORM : L12-Investment Shareholders Schedule
Particulars
As at 30 June
2010
As at 30 June
2009
Investments - Shareholders'
Long term investments
Government securities and Government guaranteed bonds including Treasury Bills
Other approved securities
Other approved investments
(a) Shares
(aa) Equity
(bb) Preference
(b) Mutual funds
(c) Derivative instruments
(d) Debentures/ bonds
(e) Other securities
(f) Subsidiaries
(g) Investment properties-real estate
Investments in infrastructure and social sector
Other investments
Sub total (A)
344,879
118,425
54,616
118,229
267,618
567,154
1,298,076
218,421
456,088
847,354
Short term investments

(a) Shares
(aa) Equity
(bb) Preference
(b) Mutual funds
(e) Other securities (Term deposits)
(f) Subsidiaries
Other investments (Mutual Funds)
202,579
250,647
1,476,810
169,579
1,424
600,000
161,390
255,418
Others
Sub total (B)
1,930,035
1,594,540
Total (C) = (A) + (B)
3,228,112
2,441,894
406,729
-

(` '000)
FORM : L13-Investment Policyholders Schedule
Particulars
As at 30 June
2010
As at 30 June
2009
Investment - Policyholders'
(a) Shares
(aa) Equity
(bb) Preference
(b) Mutual funds
(e) Other securities (to be specified)
(f) Subsidiaries
Other investments
Sub total (A)
(a) Shares
(aa) Equity
(bb) Preference
(b) Mutual funds
(e) Other securities (Certificate of deposit)
(f) Subsidiaries
Other investments (Mutual Funds)
Sub total (B)
Total (C) = (A) + (B)
6,603,500
4,525,876
2,391,997
3,652,189
12,647,686
1,330,247
2,233,651
8,089,773
352,932
484,642
4,728
49,970
680,107
1,087,737
1,571
246,565
236,103
587,808
1,556,690
13,735,422
9,646,463

(` '000)
FORM : L14-Investment - Assets Held to cover Linked Liabilities Schedule
Particulars
As at 30 June
2010
As at 30 June 2009
Assets held to cover linked liabilities

(a) Shares
(aa) Equity
(bb) Preference
(b) Mutual funds
(e) Other securities (to be specified)
(f) Subsidiaries
Other investments
Sub total (A)
(a) Shares
(aa) Equity
(bb) Preference
(b) Mutual funds
(e) Other securities (Certificate of deposit/Commercial paper)
(f) Subsidiaries
Other investments (Mutual Funds and Bonds)
Net current assets
Sub total (B)
Total (C) = (A) + (B)
1,893,545
-
1,004,643
-
19,326,724
2,230,219
2,668,339
3,048,150
29,166,977
12,352,949
1,053,127
2,567,701
1,830,884
18,809,303
958
-
34,252
-
563,794
1,962,050
1,106,068
667,299
604,374
4,904,541
60,899
1,011,906
655,506
1,662,359
949,239
34,071,518
23,183,463
4,374,160

(` '000)
FORM : L15-Loans Schedule
Particulars
As at 30 June 2010
As at 30 June 2009
Loans
Security-wise classification
Secured
(a) On mortgage of property
(aa) In India
(bb) Outside India
(b) On shares, bonds, Government securities
(c) Loans against policies
(d) Others
Unsecured
Total
92,765
228
92,993
58,114
151
58,265
Borrower-wise classification
(a) Central and State Governments
(b) Banks and financial institutions
(c) Subsidiaries
(d) Companies
(e) Loans against policies
(f) Others - loans to employees
Total
92,765
228
92,993
58,114
151
58,265
92,993
-
58,265
-
92,993
58,265
200
92,793
92,993
151
58,114
58,265
Performance-wise classification
(a) Loans classified as standard
(aa) In India
(bb) Outside India
(b) Non-standard loans less provisions
(aa) In India
(bb) Outside India
Total
Maturity-wise classification
(a) Short term
(b) Long term
Total

(` '000)
FORM : L16 - Fixed Assets
Particulars
As at
1-Apr-10
Gross Block
Additions
Deductions
Goodwill
Intangibles (Application Software)
Land-Freehold
Leasehold Improvement
Buildings
Furniture and Fittings
Information Technology Equipment
Vehicles
Office Equipment
Total
178,824
442,489
81,563
250,414
132,679
135,050
1,221,018
452
109
561
Capital Work-in Progress (including capital advances)

Grand Total
Previous Year
1,221,018
1,221,084
561
23,338
As at
30 June-10
As at
1-Apr-10
Depreciation
For the year
On Sales/
Adjustments
As at
30 June-10
Net Block
As at
As at
30 June-10
30 June-09
179,276
442,489
81,563
250,523
132,679
135,050
1,221,579
160,170
369,361
77,629
244,167
76,334
124,933
1,052,594
2,420
4,037
950
1,774
7,070
2,725
18,977
162,590
373,397
78,579
245,941
83,404
127,657
1,071,570
16,685
69,091
2,984
4,582
49,275
7,392
150,009
5,405
85,334
7,774
40,263
87,340
20,551
246,667
23,403
1,221,579
1,221,018
1,052,594
966,719
18,977
96,942
11,067
1,071,570
1,052,594
4,733
154,743
164,214
7,227
253,894
311,151

(` '000)
FORM : L17-Cash and Bank Balance Schedule
Particulars

Cash (includes cash & cheques in hand)
Bank balances
(a) Deposit Accounts
(b) Current Accounts
(c) Others
Money at call and short notice
(a) With banks
(b) With other institutions
Others
Total
Balances with non-scheduled banks included in (a) and (b) above
In India
Outside India
Total
As at 30 June
2010
As at 30 June
2009
4,550
5,972
409,491
-
386,547
-
414,041
-
392,519
-
414,041
414,041
392,519
392,519
Advances
Reserve deposits with ceding companies
Application money for investments
Prepayments
Advances to officers/ directors
Advance tax paid and taxes deducted at source (net of provision for taxation)
Advances to suppliers
Advances to employees
Total (A)
90,669
5,262
65,676
13,072
174,680
83,014
1,107
90,515
9,882
184,519
Other assets
Income accrued on investments
Outstanding premiums
Agents balances
Foreign agencies balances
Due from entities carrying on insurance business (including reinsurers)
Security and other deposits
411,015
154,680
1,631
199,987
310,076
157,880
3,536
201,651
Service tax - unutilised credit

Others (including debtors)
Total (B)
196,308
122,824
1,086,446
284,635
271,510
1,229,289
Total (A+B)
1,261,126
1,413,808
FORM : L18-Advances and other Assets Schedule

Advances and other assets

(` '000)
FORM : L19-Current Liabilities Schedule
Particulars
As at 30 June
2010
As at 30 June
2009
Current liabilities
Agents balances
Balances due to other insurance companies
Deposits held on re-insurance ceded
Premiums received in advance
Sundry creditors
Claims outstanding
Maturity / Annuities due
Accrued expenses
Proposal / policy deposits
Cash bonus payable
Statutory dues payable
Tax Deducted at Source payable
Salary payable
Service tax payable
Other Liabilities
Temporary overdraft (as per books of account only)
Total
45,493
30,688
60,412
439,113
49,552
77,353
644,425
187,993
1,168
20,584
28,359
30,500
13,853
32,513
213,943
1,875,951
77,324
71,782
49,975
274,791
51,819
504,364
329,879
1,499
13,738
31,173
21,056
12,557
341,539
83,987
1,865,484
649
9,431
10,080
1,091
11,472
12,563
Discount allowed in issue of shares/ debentures

Others
Total
FORM : L20-Provisions Schedule

Provisions
For wealth tax
For proposed dividends
For dividend distribution tax
For gratuity
For Other provisions
Total
FORM : L21-Misc Expenditure Schedule

Miscellaneous Expenditure
(To the extent not written off or adjusted)

(Amounts in thousands of Indian Rupees unless otherwise stated)
FORM : L22-Analytical Ratios
Sl No Ratios
For the Quarter

Up to the
ended on 30 Quarter ended on
June 2010
30 June 2010
New business premium income growth:

Participating
Non Participating
Pension- Individual
Unit - Linked - Individual Pension
Unit - Linked - Individual
Unit - Linked - Group
For the Quarter

ended on 30 June
2009 ***
Up to the Quarter
ended on 30 June
2009 ***
-5.23%
-5.23%
dna
dna
68.85%
291.91%
-1.53%
74.72%
-56.96%
5782.35%
68.85%
291.91%
-1.53%
74.72%
-56.96%
5782.35%
dna
dna
dna
dna
dna
dna
dna
dna
dna
dna
dna
dna
Net retention ratio
99.29%
99.29%
dna
dna
Ratio of expenses of management (refer note 1 below)
43.01%
43.01%
dna
dna
Commission ratio
6.42%
6.42%
dna
dna
Ratio of policy holders' liabilities to shareholders' funds (refer note 2 below)
1587.51%
1587.51%
dna
dna
Growth rate of shareholders' fund (over previous year same quarter)
35.72%
35.72%
dna
dna
Ratio of policyholders' surplus to policy holders' liability
-0.90%
-0.90%
dna
dna
35.30%
35.30%
dna
dna
-6.60%
-6.60%
dna
dna
0.18%
0.18%
dna
dna
1692.44%
1692.44%
dna
dna
Change in net worth (over previous year same quarter)

(refer note 3 below)
Profit / (loss) after tax / total income
10
(Total real estate + loans)/ cash and invested assets
11
Total investments/ (capital + total surplus)

(refer note 6 below)
Total affiliated investments/ (capital + total surplus)
12
13
14
15
16
14.44%
14.44%
dna
dna
Investment Yield (Gross and Net)

With realized gains
Participating
Non Participating
Pension
Unit Linked Funds
Shareholders
1.99%
1.89%
2.05%
3.10%
2.07%
1.99%
1.89%
2.05%
3.10%
2.07%
dna
dna
dna
dna
dna
dna
dna
dna
dna
dna
Without realized gains

Participating
Non Participating
Pension
Unit Linked Funds
Shareholders
1.89%
1.76%
2.02%
2.09%
1.88%
1.89%
1.76%
2.02%
2.09%
1.88%
dna
dna
dna
dna
dna
dna
dna
dna
dna
dna
65.48%
70.12%
13.00%
65.48%
70.12%
13.00%
dna
dna
dna
dna
dna
dna
57.42%
51.73%
31.83%
21.48%
42.52%
NIL
57.42%
51.73%
31.83%
21.48%
42.52%
NIL
dna
dna
dna
dna
dna
NIL
dna
dna
dna
dna
dna
NIL
1,227,483,000
1,227,483,000
1,019,150,000
1,019,150,000
74
26
NA
(0.26)
(0.26)
1.23
74
26
NA
(0.26)
(0.26)
1.23
74
26
NA
dna
dna
dna
74
26
NA
dna
dna
dna
Conservation Ratio
Linked
Non Linked
Pension
Persistency Ratio
For 13th month
For 25th month
For 37th month
For 49th Month
for 61st month
NPA Ratio
Equity Holding Pattern for Life Insurers

(a) No. of shares
1
(b) Percentage of shareholding (Indian / Foreign)
2
- Indian
- Foreign
( c) %of Government holding (in case of public sector insurance companies)
3
4
(a) Basic and diluted EPS before extraordinary items (net of tax expense) for the period (not to be annualized)
5
(b) Basic and diluted EPS after extraordinary items (net of tax expense) for the period (not to be annualized)
(iv) Book value per share (Rs 10 Paid Up)
6
Notes:
1) Expenses of management include operating expenses, commission expenses and fringe benefit tax.
2) Shareholders funds = share capital (net of preliminary expenses to the extent not written off /
adjusted) + reserve and surplus/ deficit in profit and loss account. + share application money (if any)
Policy holder liabilities include fair value change account and Funds for Future Appropriation
3) Net Worth = shareholders funds (including Share Application Money)
4) Profit/ (Loss) after tax and total income are as disclosed in the profit and loss account (non - technical) and revenue account (technical).
5) Capital = Shareholders funds
6) Investments represent the total of Schedule 8, 8A and 8B
7) Total Surplus includes Interim bonuses paid, Allocation of bonus to Policyholders and Surplus shown in the Revenue Account
dna : data not available

FORM L24 : Valuation of Net Liabilities
As on 30th June 2010
(` Lacs)
Sl.No. Particular
As at 30 June
2010
As at 30 June
2009
1
a
b
c
d
Linked
Life
General Annuity
Pension
Health
322,770
17,937
-
223,076
7,808
-
2
a
b
c
d
Non-Linked
Life
General Annuity
Pension
Health
99,809
38,552
-
75,913
24,171
-

FORM : L25 (I) - Geographical Distribution Channel - Individuals
Sl.No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
State / Union Territory

Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mirzoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
UttraKhand
West Bengal
Andaman & Nicobar Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Total
No. of
Policies
4,445
31
44
58
156
268
85
85
49
1,402
454
326
1
461
196
399
3
1,207
465
133
50
29
20
10,367
Rural (Individual)
No. of Lives Premium (Rs
crore)
4,445
31
44
58
156
268
85
85
49
1,402
454
326
1
461
196
399
3
1,207
465
133
50
29
20
10,367
4.27
0.03
0.04
0.07
0.16
0.27
0.09
0.08
0.03
1.28
0.35
0.27
0.00
0.44
0.19
0.37
0.00
0.96
0.00
0.46
0.15
0.05
0.03
0.01
9.61
Geographical Distribution of Total Business

Urban (Individual)
Sum Assured
No. of
(Rs crore)
Policies
crore)
56.66
0.36
0.43
0.60
1.66
4.99
0.93
1.21
0.71
16.28
4.88
4.67
0.01
4.43
2.21
5.07
0.03
12.56
4.92
1.86
0.65
0.88
0.16
126
6,589
227
126
180
169
1,631
791
162
153
133
6,758
2,150
934
2,211
1
2
1,534
1,035
1,663
7
7,021
2,015
529
955
88
1
1,448
2
73
38,588
6,486
225
121
179
139
1,615
776
162
153
133
6,643
2,099
934
2,117
1
2
1,515
997
1,647
7
6,780
1,983
523
921
83
1
1,407
1
72
37,722
19.38
0.54
0.25
0.30
0.66
5.26
2.03
0.50
0.35
0.35
19.47
5.56
1.86
6.33
0.00
0.00
4.03
2.88
3.46
0.02
18.52
(0.00)
5.32
1.28
2.41
0.42
0.00
3.96
0.01
0.14
105.33
Sum Assured
(Rs crore)
120.42
2.66
1.57
3.00
4.01
25.26
13.99
1.46
1.69
2.39
120.67
25.90
11.60
50.65
0.02
0.03
14.43
14.61
26.84
0.02
97.92
28.25
6.46
11.25
0.99
0.05
32.13
0.06
0.85
619.16
No. of
Policies
11,034
258
170
180
227
1,787
1,059
247
238
182
8,160
2,604
934
2,537
1
1
2
1,995
1,231
2,062
10
8,228
2,480
662
1,005
117
1
1,448
2
93
48,955
Total Business (Individual )

No. of Lives Premium
Sum Assured
(Rs crore)
(Rs crore)
10,931
256
165
179
197
1,771
1,044
247
238
182
8,045
2,553
934
2,443
1
1
2
1,976
1,193
2,046
10
7,987
2,448
656
971
112
1
1,407
1
92
48,089
23.65
0.58
0.29
0.30
0.74
5.42
2.31
0.59
0.43
0.38
20.75
5.92
1.86
6.60
0.00
0.00
0.00
4.46
3.07
3.83
0.02
19.48
5.78
1.42
2.46
0.46
0.00
3.96
0.01
0.15
114.94
177.08
3.01
2.00
3.00
4.62
26.92
18.98
2.40
2.90
3.10
136.95
30.77
11.60
55.31
0.02
0.01
0.03
18.86
16.82
31.92
0.05
110.48
33.17
8.32
11.89
1.87
0.05
32.13
0.06
1.01
745.31

FORM : L-25 (II) - Geographical Distribution Channel - GROUP
Sl.No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
State / Union Territory
No. of
Policies
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mirzoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
UttraKhand
West Bengal
Andaman & Nicobar Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Total
Rural (Group)
No. of
Premium
Lives
(Rs crore)
-
Geographical Distribution of Total Business- GROUP

Urban (Group)
Sum Assured
No. of
(Rs crore)
Policies
crore)
-
450.00
75.00
525.00
2.35
0.08
0.14
2.56
Sum Assured
(Rs crore)
No. of
Policies
87.10
2.67
89.77
Total Business (Group)

No. of
Premium (Rs
Lives
crore)
450.00
75.00
525.00
2.35
0.08
0.14
2.56
Sum Assured
(Rs crore)
87.10
2.67
89.77

FORM : L26 - INVESTMENT ASSETS (LIFE INSURERS) - 3A
Statement of Investment Assets
(Business within India)
Periodicity Of Submission : Quarterly
PART - A
(` 'Lacs)
Total Application as per balance sheet (A)
101
18,760
18,860
L20
L19
Less(C)
Debit balance in P and L A/C
Loans
Advances and other Assets
Cash and bank balance
Fixed Assets
Misc Exp Not written off
Fund available for Investments
NON- Linked Business

A. LIFE FUND
L15
L18
L19
L16
L21
126,934
PERCENTAGE AS
PER REG.
Govt Securities
Govt Securities or Other approved Securities (incl 1 above)
INVESTMENTS SUBJECT TO EXPOSURE NORMS
a
b
Housing and Infrastructure

i) Approved Investments
ii) Other Investments not to exceed 15%
TOTAL LIFE FUND
B. PENSION GENERAL ANNUITY FUND

1
2
3
Govt Securities
Govt Securities or Other approved Securities (incl 1 above)
Balance in Approved Investment
TOTAL PENSION GENERAL ANNUITY FUND
510,351
Balance Sheet Value of:
A. Life Fund
B. Pension , General Annuity
C. Unit Linked Funds
107,705
930
12,611
4,140
1,547
-
Not Less than25%

Not less than 50%
Not less than 15%
Not exceeding 35%
100%
PERCENTAGE AS
PER REG.
Not less than 20%
Not less than 40%
Not exceeding 60%
100%
Appropriation/Expropriation Adjustment A/c
1
2
913
510,351 Add Net Current assets of Linked(Form 3A Part B)
PH
PAR
510,351
Book Value
(SH+PH)
Total Fund
(` 'Lacs)
Market Value
42,195.41
57,417.30
-
41,330.52
56,857.32
-
25.59%
18.03%
6.16%
60.73
29,266.06
20,611.98
7,108.52
29,726.68
21,369.66
7,108.53
100%
60.73
114,403.87
115,062.19
(b)
4,132.14
4,632.48
(d)
35,670.03
49,276.97
(e)
1,877.37
2,480.30
(b+c+d+e)
42,195.41
57,417.30
36.90%
50.21%
14,798.96
5,671.54
2,676.18
1,978.97
375.55
21,705.20
15,237.50
4,258.05
1,889.33
2,698.30
435.22
29,266.06
20,611.98
7,047.79
17,305.43
14,959.18
1,403.08
90,477.72
7,503.15
114,343.13
2,506.47
PH
Book Value
NONPAR
ACTUAL %
UL -Non Unit
Res
(c)
515.88
1,027.54
FRSM+
ACTUAL %
PAR
-
NON PAR
11,563.18
16,779.50
21,140.87
11,563.18
16,779.50
21,140.87
30.49%
44.25%
55.75%
37,920.37
37,920.37
100.00%
C. Linked Business
PERCENTAGE AS
PER REG.
Approved investments
Not less than 75%
Other investment
Not more than 25%
TOTAL LINKED INSURANCE FUND
100%
114,404
37,925
339,803
492,132
17,305
Add Balance SH
SH
Balance
(a)
1
2
3
Reconcilation of Investment Assets
618,424
Total Investment Assets (As per the balance Sheet
Add(B)
Provisions
Current Liabilities
PH
PAR
-
Total Fund
NON PAR
302,648.43
37,154.49
339,802.92
302,648.43
37,154.49
339,802.92
ACTUAL %
89%
11%
100.00%
FVC Amount
0.00
0.00
5.12
5.12
Total Fund
11,563.18
16,779.50
21,145.98
37,925.48
FVC Amount
Market Value
11,314.01
16,609.87
21,408.38
38,018.25

FORM : L27-UNIT LINKED BUSINESS - 3A
Link to item C of Form 3A Part A
Statement as on : 30 June 2010
Periodicity Of Submission : Quarterly
PARTICULARS
(` 'Lacs)
Group Balanced Fund
Opening Balance(Market Value)

Add : Inflows During the quarter
Increase/(Decrease) Value Of Inv(net)
Less: Outflow During the quarter
TOTAL INVESTIBLE FUNDS(MKT
VALUE)
Group Debt Fund
1,011.53
98.30
16.06
95.32
1,030.57
Group Growth Fund
865.28
1.30
18.01
544.65
339.93
Group Liquid Fund
431.44
23.17
5.40
24.63
435.38
Group Secure Fund
69.90
2.66
0.58
37.39
35.74
2,334.04
378.26
38.20
306.31
2,444.19
Individual Balanced
Fund
9,794.60
221.84
215.49
186.29
10,045.63
Group Balanced Fund

Investment of Unit Fund
Apporved Investment(>=75%)
A Government Bonds
B Corporate bonds
C Infrastructure Bonds
D Equity
E Money Market
F Mutual Funds
G Deposits with Bank
H Other Assets
SUB TOTAL (A)
Actual Inv.
Group Debt Fund

Group Growth Fund Group Liquid Fund Group Secure Fund
Individual Balanced
Fund
% Actual Actual Inv. % Actual Actual Inv. % Actual Actual Inv. % Actual Actual Inv. % Actual Actual Inv. % Actual
Individual Debt Fund
Individual Equity Fund
6,323.33
374.33
152.21
854.20
5,995.67

Actual Inv.
% Actual
Individual Growth Fund
134,955.13
3,704.07
2,928.00
704.65
140,882.55

Actual Inv.
% Actual
144,233.19
3,398.62
3,409.61
1,586.30
149,455.13

Actual Inv.
% Actual
Individual Guaranteed
Growth Fund
5,785.50
294.34
139.45
1.65
6,217.63
Individual Guaranteed
Growth Fund
Actual Inv.
% Actual
Individual Preserver
Fund
600.05
314.68
22.58
1.23
936.08
Fund
Actual Inv.
% Actual
Individual Preserver Individual Prime Equity Individual Prime Equity

Pension Fund
Fund
Pension Fund
486.51
907.92
859.80
397.27
462.97
703.93
21.42
25.95
22.35
10.43
1.32
2.80
894.77
1,395.52
1,583.28
Pension Fund
Actual Inv.
% Actual
Individual Secure
Fund
2,762.14
104.90
55.49
173.70
2,748.83
Individual Prime Equity Individual Prime Equity

Individual Secure
Fund
Pension Fund
Fund
Actual Inv. % Actual
Pension Debt Fund.
Pension Equity Fund
3,266.68
268.01
87.84
7.34
3,615.19
Pension Debt Fund.
Pension Liquid Fund
10,367.33
706.65
300.13
3.18
11,370.93
Pension Equity Fund
Actual Inv. % Actual Actual Inv.
% Actual
Total For all Funds
340.22
31.36
4.52
0.20
375.90
Pension Liquid Fund

Actual Inv.
% Actual
########
11,486.66
7,463.29
4,541.60
########
Total For all Total For

Funds
all Funds
91.44
172.96
246.31
277.25
0.00
0.00
161.72
0.00
949.67
8.87
16.78
23.90
26.90
0.00
0.00
15.69
0.00
92.14
86.20
70.98
113.58
0.00
0.00
0.00
28.25
0.00
299.01
25.36
20.88
33.41
0.00
0.00
0.00
8.31
0.00
87.96
29.16
52.23
57.67
204.48
0.00
0.00
0.00
0.00
343.53
6.70
12.00
13.25
46.96
0.00
0.00
0.00
0.00
78.91
0.00
0.00
0.00
0.00
0.00
0.00
31.08
0.00
31.08
0.00
0.00
0.00
0.00
0.00
0.00
86.95
0.00
86.95
441.01
408.10
889.11
347.30
0.00
0.00
212.64
0.00
2,298.18
18.04
16.70
36.38
14.21
0.00
0.00
8.70
0.00
94.03
904.94
2,693.16
1,704.98
2,597.02
0.00
0.00
1,015.53
0.00
8,915.63
9.01
26.81
16.97
25.85
0.00
0.00
10.11
0.00
88.75
1,598.81
1,602.72
1,393.44
0.00
153.81
0.00
586.40
0.00
5,335.19
26.67
26.73
23.24
0.00
2.57
0.00
9.78
0.00
88.99
0.00
2,513.81
0.00
114,161.48
0.00
0.00
1,904.15
0.00
118,579.45
0.00
1.78
0.00
81.03
0.00
0.00
1.35
0.00
84.16
13,680.40
15,669.89
28,320.45
63,445.06
493.01
0.00
13,171.13
1,534.10
136,314.04
9.15
10.48
18.95
42.45
0.33
0.00
8.81
1.03
91.20
0.00
1,574.15
3,188.18
568.14
0.00
0.00
0.00
0.00
5,330.47
0.00
25.32
51.28
9.14
0.00
0.00
0.00
0.00
85.74
262.48
216.88
164.73
0.00
29.11
0.00
140.62
0.00
813.83
28.04
23.17
17.60
0.00
3.11
0.00
15.02
0.00
86.94
210.08
197.19
108.02
0.00
134.59
0.00
138.52
0.00
788.40
23.48
22.04
12.07
0.00
15.04
0.00
15.48
0.00
88.11
0.00
0.00
0.00
1,214.46
0.00
0.00
0.00
0.00
1,214.46
0.00
0.00
0.00
87.03
0.00
0.00
0.00
0.00
87.03
0.00
0.00
0.00
1,379.67
0.00
0.00
0.00
0.00
1,379.67
0.00
0.00
0.00
87.14
0.00
0.00
0.00
0.00
87.14
518.82
823.50
684.39
351.64
0.00
0.00
188.35
0.00
2,566.71
18.87
29.96
24.90
12.79
0.00
0.00
6.85
0.00
93.37
1,121.76
903.15
380.48
0.00
95.69
0.00
595.95
0.00
3,097.04
31.03
24.98
10.52
0.00
2.65
0.00
16.48
0.00
85.66
0.00
0.00
0.00
8,720.74
0.00
0.00
190.42
0.00
8,911.15
0.00
0.00
0.00
76.69
0.00
0.00
1.67
0.00
78.36
0.00
0.00
0.00
0.00
50.69
0.00
298.83
0.00
349.52
0.00
18,945.10
0.00
26,898.74
0.00
37,251.36
0.00 193,267.24
13.48
956.89
0.00
0.00
79.50
18,663.60
0.00
1,534.10
92.98 297,517.03
Currrent Assets
Accured Interest
Dividend Receivable
Bank Balance
Receivable for Sale of investments
Other Current Assets (for Investments)
15.38
0.76
8.88
0.00
0.00
1.49
0.07
0.86
0.00
0.00
10.97
0.00
7.12
0.00
0.00
3.23
0.00
2.10
0.00
0.00
7.34
0.56
2.73
0.00
0.00
1.69
0.13
0.63
0.00
0.00
0.00
0.00
4.69
0.00
0.00
0.00
0.00
13.13
0.00
0.00
93.85
0.96
1.35
0.00
0.00
3.84
0.04
0.06
0.00
0.00
141.08
8.75
53.07
0.00
0.00
1.40
0.09
0.53
0.00
0.00
167.22
0.00
9.88
0.00
0.00
2.79
0.00
0.16
0.00
0.00
21.25
418.22
653.30
914.30
0.00
0.02
0.30
0.46
0.65
0.00
2,134.90
230.25
748.36
0.00
0.00
1.43
0.15
0.50
0.00
0.00
145.46
2.14
1.85
0.00
0.00
2.34
0.03
0.03
0.00
0.00
16.94
0.00
0.11
0.00
0.00
1.81
0.00
0.01
0.00
0.00
13.13
0.00
0.08
0.00
0.00
1.47
0.00
0.01
0.00
0.00
0.00
4.22
7.79
0.00
0.00
0.00
0.30
0.56
0.00
0.00
0.00
4.30
2.41
0.00
0.00
0.00
0.27
0.15
0.00
0.00
64.84
1.19
6.34
0.00
0.00
2.36
0.04
0.23
0.00
0.00
56.04
0.00
2.79
0.00
0.00
1.55
0.00
0.08
0.00
0.00
0.00
36.31
51.47
0.00
0.00
0.00
0.32
0.45
0.00
0.00
0.00
0.00
9.87
0.00
0.00
0.00
0.00
2.62
0.00
0.00
2,888.40
707.65
1,572.07
914.30
0.00
0.00
0.85
0.21
0.46
0.27
0.00
Less:Current Liabilities
Payable for Investments
Fund Management of Charges Payable
0.00
0.00
(0.79)
0.00
0.00
(0.08)
0.00
(0.00)
(0.26)
0.00
0.00
(0.08)
0.00
(0.00)
(0.33)
0.00
0.00
(0.08)
0.00
0.00
(0.03)
0.00
0.00
(0.08)
0.00
(0.00)
(1.94)
0.00
0.00
(0.08)
0.00
0.00
(11.36)
0.00
0.00
(0.11)
0.00
0.00
(4.33)
0.00
0.00
(0.07)
0.00
0.00
(185.04)
0.00
0.00
(0.13)
0.00
0.00
(167.98)
0.00
0.00
(0.11)
0.00
0.00
(8.08)
0.00
0.00
(0.13)
0.00
0.00
(0.81)
0.00
0.00
(0.09)
0.00
0.00
(0.70)
0.00
0.00
(0.08)
0.00
(17.14)
(1.54)
0.00
(1.23)
(0.11)
0.00
(72.11)
(1.57)
0.00
(4.55)
(0.10)
0.00
0.00
(2.56)
0.00
0.00
(0.09)
0.00
0.00
(2.61)
0.00
0.00
(0.07)
0.00
0.00
(14.82)
0.00
0.00
(0.13)
0.00
0.00
(0.19)
0.00
0.00
(0.05)
0.00
(89.25)
(404.93)
0.00
(0.03)
(0.12)
Other current liabilites (for Investments)
5.58
7.92
10.96
56.88
0.28
0.00
5.49
0.45
87.56
(0.02)
0.00
(0.00)
0.00
(0.01)
0.00
(0.00)
0.00
(0.04)
0.00
(0.19)
0.00
(225.08)
(3.75)
(3.05)
0.00
(2.91)
0.00
(0.12)
0.00
(45.01)
(4.81)
(45.01)
(5.03)
(0.03)
0.00
(0.03)
0.00
(0.05)
0.00
(135.04)
(3.74)
(0.23)
0.00
(0.01)
0.00
(456.83)
(0.13)
SUB TOTAL (B)
24.22
2.34
17.82
5.25
10.29
2.37
4.66
13.05
94.17
3.86
191.34
1.91
(52.31)
(0.87)
1,818.98
1.30
2,942.61
1.97
141.24
2.27
(28.77)
(3.08)
(32.50)
(3.63)
(6.70)
(0.48)
(67.00)
(4.23)
69.76
2.54
(78.82)
(2.18)
72.72
0.64
9.66
2.57
5,131.41
1.51
Other Investment(<=25%)
A Corporate bonds
B Infrastructure Bonds
C Equity
D Money Market
E Mutual Funds
F Other Assets
SUB TOTAL (C)
0.00
0.00
25.55
0.00
31.13
0.00
56.68
0.00
0.00
2.48
0.00
3.02
0.00
5.50
0.00
0.00
0.00
0.00
23.09
0.00
23.09
0.00
0.00
0.00
0.00
6.79
0.00
6.79
0.00
0.00
18.85
0.00
62.71
0.00
81.56
0.00
0.00
4.33
0.00
14.40
0.00
18.73
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
32.01
0.00
19.84
0.00
51.85
0.00
0.00
1.31
0.00
0.81
0.00
2.12
0.00
0.00
316.79
0.00
621.87
0.00
938.66
0.00
0.00
3.15
0.00
6.19
0.00
9.34
0.00
0.00
0.00
0.00
712.79
0.00
712.79
0.00
0.00
0.00
0.00
11.89
0.00
11.89
0.00
0.00
19,272.85
0.00
1,211.27
0.00
20,484.12
0.00
0.00
13.68
0.00
0.86
0.00
14.54
0.00
0.00
8,883.76
0.00
1,314.71
0.00
10,198.47
0.00
0.00
5.94
0.00
0.88
0.00
6.82
0.00
0.00
49.72
0.00
696.19
0.00
745.92
0.00
0.00
0.80
0.00
11.20
0.00
12.00
0.00
0.00
0.00
0.00
151.03
0.00
151.03
0.00
0.00
0.00
0.00
16.13
0.00
16.13
0.00
0.00
0.00
0.00
138.87
0.00
138.87
0.00
0.00
0.00
0.00
15.52
0.00
15.52
0.00
0.00
177.58
0.00
10.18
0.00
187.76
0.00
0.00
12.72
0.00
0.73
0.00
13.45
0.00
0.00
200.42
0.00
70.19
0.00
270.61
0.00
0.00
12.66
0.00
4.43
0.00
17.09
0.00
0.00
43.91
0.00
68.46
0.00
112.37
0.00
0.00
1.60
0.00
2.49
0.00
4.09
0.00
0.00
0.00
0.00
596.96
0.00
596.96
0.00
0.00
0.00
0.00
16.51
0.00
16.51
0.00
0.00
1,460.06
0.00
926.99
0.00
2,387.05
0.00
0.00
12.84
0.00
8.15
0.00
20.99
0.00
0.00
0.00
0.00
16.72
0.00
16.72
0.00
0.00
0.00
0.00
4.45
0.00
4.45
0.00
0.00
30,481.50
0.00
6,672.99
0.00
37,154.49
0.00
0.00
8.97
0.00
1.96
0.00
10.93
1,030.57
100.0
339.93
100
435.38
100
35.74
100
2,444.19
100
10,045.63
100
5,995.67
100
140,882.55
100
149,455.13
100
6,217.63
100
936.08
100
894.77
100
1,395.52
100
1,583.28
100
2,748.83
100
3,615.19
100
11,370.93
100
375.90
100 339,802.92
100.00
Total A + B + C
Funds Carried Forward ( As Per LB2)

FORM : L28-ULIP-NAV-3A
PART - C
Link to FORM 3A (Part B)
Periodicity of Submission: Quarterly
No
Name of the Scheme
Assets Held on
the above date
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
Group Balanced Fund

Group Debt Fund
Group Growth Fund
Group Liquid Fund
Group Secure Fund
Individual Balanced Fund
Individual Guaranteed Growth Fund
Individual Prime Equity Fund
Individual Prime Equity Pension Fund
Individual Preserver Pension Fund
Individual Preserver Fund
Individual Secure Fund
Pension Debt Fund.
Pension Equity Fund
Pension Liquid Fund
Total
1,031
340
435
36
2,444
10,046
5,996
140,883
6,218
149,455
1,396
1,583
895
936
2,749
3,615
11,371
376
339,803
NAV as on the
above date
NAV as per LB
2
Previous Qtr
NAV
2nd Previous
Qtr NAV
3rd Previous
Qtr NAV
18.29
15.28
21.22
14.93
16.17
17.77
14.94
16.59
11.65
20.15
9.98
9.90
11.09
11.02
16.55
12.41
11.35
11.82
18.29
15.28
21.22
14.93
16.17
17.77
14.94
16.59
11.65
20.15
9.98
9.90
11.09
11.02
16.55
12.41
11.35
11.82
18.03
14.92
20.96
14.77
15.93
17.39
14.56
16.24
11.38
19.69
9.81
9.75
10.73
10.68
16.21
12.10
11.05
11.68
17.77
14.63
20.72
14.58
15.70
17.21
14.29
16.22
11.30
19.51
16.00
11.90
10.93
11.54
17.40
14.38
20.15
14.33
15.46
16.79
14.02
15.52
11.09
18.92
15.68
11.68
10.36
11.32
Annualised
Return/Yield
10.80%
6.94%
15.90%
5.69%
8.33%
12.07%
7.84%
25.58%
7.39%
16.37%
0.00%
0.00%
0.00%
0.00%
8.93%
6.57%
28.25%
6.00%
3 Year Rolling
CAGR
8.62%
10.15%
8.67%
7.92%
8.53%
6.92%
9.85%
6.07%
'NA'
7.35%
'NA'
'NA'
'NA'
'NA'
8.92%
'NA'
'NA'
'NA'

(` 'Lacs)
FORM : L-29 - Detail regarding debt securities
MARKET VALUE
As at 30th as % of total as at 30th June as % of total
June for this class of the previous
for this
year
class
Book Value
As at 30th
as % of as at 30th June
June total for this of the previous
class
year
as % of total
for this class
Break down by credit rating

AAA rated
AA or better
Rated below AA but above A
Rated below A but above B
Any other (Soverign)
81,814
3,491
18,945
78%
3%
0%
0%
18%
52,469
1,023
10,389
82%
2%
0%
0%
16%
80,553
3,436
19,290
78%
3%
0%
0%
19%
50,838
1,001
10,671
81%
2%
0%
0%
17%
BREAKDOWN BY RESIDUALMATURITY
Up to 1 year
more than 1 yearand upto 3years
More than 3years and up to 7years
More than 7 years and up to 10 years
Above 20 years
36,329
27,864
13,906
18,349
3,067
1,528
3,207
35%
27%
13%
18%
3%
1%
3%
15,502
15,719
14,373
10,577
1,092
2,056
4,561
24%
25%
22%
17%
2%
3%
7%
36,079
27,500
13,937
17,879
3,060
1,533
3,291
35%
27%
13%
17%
3%
1%
3%
15,270
15,302
13,836
10,173
1,030
2,004
4,895
24%
24%
22%
16%
2%
3%
8%
Breakdown by type of the issurer

a. Central Government
b. State Government
c.Corporate Securities
17,563
1,382
85,305
17%
1%
82%
10,389
53,491
16%
84%
17,939
1,351
83,989
17%
1%
81%
10,671
51,839
17%
83%
(` 'Lacs)
Detail Regarding debt securities(NON ULIP)
MARKET VALUE
Book Value
As at 30th as % of total
as at 30th June as % of total As at 30th as % of
as at 30th June as % of total
June
for this class of the previous for this
June
total for this of the previous for this class
year
class
class
year
Break down by credit rating
AAA rated
AA or better
Rated below AA but above A
Rated below A but above B
Any other (Soverign)
67,568
1,769
74,197
47%
1%
0%
0%
52%
48,639
200
55,901
46%
0%
0%
0%
53%
66,976
1,774
74,997
47%
1%
0%
0%
52%
48,321
200
56,603
46%
0%
0%
0%
54%
BREAKDOWN BY RESIDUALMATURITY
Up to 1 year
more than 1 yearand upto 3years
More than 3years and up to 7years
Above 20 years
4,076
4,436
16,534
50,496
16,669
21,698
29,625
3%
3%
12%
35%
12%
15%
21%
12,889
3,896
9,645
38,459
7,243
15,958
16,650
32%
6%
15%
60%
11%
25%
26%
4,408
4,603
16,758
49,914
16,718
21,721
29,624
3%
3%
12%
35%
12%
15%
21%
13,059
4,220
9,854
38,084
7,298
15,965
16,645
21%
7%
16%
61%
12%
26%
27%
Breakdown by type of the issurer

a. Central Government
b. State Government
c.Corporate Securities
72,674
1,523
69,337
51%
1%
48%
54,877
1,024
48,839
52%
1%
47%
73,471
1,526
68,750
51%
1%
48%
55,578
1,025
48,521
53%
1%
46%

Unaudited Related Party Schedule
` Lacs
FORM : L30-RELATED PARTY TRANSACTIONS
Name of Related Parties
Nature of Relationship with Description of transactions / Categories

the Company
Consideration paid / received *

For the Quarter Up to the Quarter
For the Quarter
ended on 30 June ended on 30 June ended on 30 June
2010
2010
2009 ***
2,025.79
2,025.79
dna
13.77
13.77
dna
74.60
74.60
dna
Up to the Quarter
ended on 30 June
2009 ***
dna
dna
dna
ING Investment Management (I) Pvt Ltd
Significant Influence
Investment
Dividend / Income from Investment
Services received by the company
ING Insurance International B.V.
Foreign Promoters (26%)
Expenses incurred on behalf of the company

Expenses incurred by the company on their behalf
Share capital as on 30 June 10
68.32
10.59
31,914.56
68.32
10.59
31,914.56
dna
dna
dna
dna
dna
dna
ING Insurance Asia Pacific Ltd
Services received by the company

87.30
37.51
10.97
87.30
37.51
10.97
dna
dna
dna
dna
dna
dna
ING Vysya Life Insurance PF Trust
Employee PF Trust
ING Life Insurance Korea Ltd.
Exide Industries Ltd
Promoters
Premium Income
Benefits paid (Claims during the year)
Investment
Dividend / Income from Investment
Share capital as on 30 June 10
Contribution to Share capital (Inc Share Application Money)
ING Vysya Life Insurance Employee Group Gratuity cum Life Assurance Scheme (Trust)
Gratuity Trust
Premium Income
Benefits paid (Claims during the year)
Kshitij Jain
Key Management Personnel
Managerial Remuneration
* Including the premium flow through Associates / Group Companies as an agent

***dna : data not available
dna
dna
18.95
18.95
dna
dna
4.19
2.50
2,328.48
61,374.15
11,870.00
4.19
2.50
2,328.48
61,374.15
11,870.00
dna
dna
dna
dna
dna
dna
dna
dna
dna
0.05
0.12
0.05
0.12
dna
dna
dna
dna
dna
dna
60.56
60.56
dna
dna
dna
dna

FORM L-31 - LNL - 6 : Board of Directors & Key Person
As on 30th June 2010
Sl. No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
Name of person
Mr. Rajan Raheja
Mr. Kshitij Jain
Mr. A.K Mukherjee
Mr. Frank Koster
Mr. Juan Carlos
Mr. N. N. Joshi
Mr. Rajesh Kapadia
Mr. Satish Raheja
Mr. Parag Mathur
Mr. John Boers
Mr. Paul Armstrong
Mr. Rahul Agarwal
Mr. Ashwin B
Mr. Uco Vegter
Ms. Hemamalini Ramakrishnan
Ms Priya Gopalakrishnan
BOD and Key Person information

Role / Designation
Details of change in the period
Director
Managing Director & CEO
Director
Appointed w. e. f. April 26, 2010
Director
Director
Director
Director
Director
General Counsel & Company Secretary
Chief Financial Officer
Chief Investment Officer
Chief Distribution Officer
Chief Operating Officer
Chief Marketing & Strategy Officer
Appointed Actuary & CIRO
Director - Human Resources *
Key persons as defined in IRDA Registration of Companies Regulations, 2000

* Does not represent a Board position

FORM L-32-SOLVENCY MARGIN - KT 3
Available Solvency Margin and Sovency Ratio.
30th June 2010
Item
01
02
03
04
05
Description
Available Assets in Policyholders' Fund:
Deduct:
Mathematical Reserves
Other Liabilities
Excess in Policyholders' funds (01-02-03)
` Lacs
Adjusted Value
480,405
479,069
1,336
29,327
06
07
Available Assets in Shareholders Fund:

Deduct:
Other Liabilities of shareholders fund
Excess in Shareholders' funds
08
Total ASM (04)+(07)
30,663
09
Total RSM
10
Solvency Ratio (ASM/RSM)
29,327
9,875
310%

FORM : L-33-NPAs-7A (As on 30 June 2010)
COI
Company Name
NIL
Instrument
Type
Interest Rate
Has there been
revision?
Total O/s (Book

Value)
Default Principal
(Book Value)
Default Interest
(Book Value)
Principal Due
from
Interest Due from
Deferred
Principal
Deferred Interest
Rolled Over?
Has there been any Principal

Amount
Board Approval
Ref
Classification
Provision (%)
Provision (Rs)

FORM : L-34-Yield on Investments-1 (As on 30 June 2010)
No.
Category of Investment
Name of the Fund
CAT Code
Investment
(Rs)
3
4
A Central Government Securities

A1 Central Government Bonds
A3 Deposit under Sec 7 of Insurance Act, 1938
A4 Treasury Bills
B Government Securities / Other Approved Securities
B2 State Government Bonds/ Development Loans
B4 Other Approved Securities (excluding Infrastructure Investments)
C Housing and Loans to State Govt for housing and fire fighting equipment
C7 Bonds/Debentures issued by NHB/ Institutions accredited by NHB
D Infrastructure Investments
D5 Infrastructure - Securitised Assets (Approved)
D7 Infrastructure - PSU - Debentures/ Bonds
D9 Infrastructure - Other Corporate Securities- Debentures/ Bonds
E Approved Investment Subject To Exposure Norms
E1 PSU - Equity Shares quoted
E2 Corporate Securities -Equity Shares (ordinary)-Quoted
E4 Equity Shares (incl. Equity related Instruments) - Promoter Group
E5 Corporate Securities - Bonds - Taxable
E9 Corporate Securities -Debentures
E10 Corporate Securities - Debentures/ Bonds/ CPs/ Loans - Promoter Group
E17 Deposits - CDs with Scheduled Banks
E21 Commercial Papers
E24 Perpetual Debt Instruments of Tier I and II Capital issued by PSU Banks
E28 Mutual Funds - Gilt/ G Sec/ Liquid Schemes
E29 Mutual Funds - (under Insurer's Promoter Group)
F Other than Approved Securities
F3 Equity Shares (Incl. Co-op Societies)
F13 Mutual Funds - Debt/ Income/ Serial Plans/ Liquid Schemes
F4 Equity Shares (PSU & Unlisted)
Current Quarter
Income on Gross
Investment
Yield
(Rs)
%
Net
Yield
%
Investment
(Rs)
LIFE FUND
Year To Date
Income on
Investment
(Rs)
Gross
Yield
%
Net
Yield
%
Investment
(Rs)
Previous Year
Income on
Investment
(Rs)
Gross
Yield
%
Net
Yield
%
CGSB
CDSS
CTRB
38,515.28
1,184.25
2,495.88
708.62
30.17
25.35
1.86
1.98
0.92
1.86
1.98
0.92
38,515.28
1,184.25
2,495.88
708.62
30.17
25.35
1.86
1.98
0.92
1.86
1.98
0.92
36,102.28
1,101.12
3,995.53
2,329.64
73.51
20.86
7.12
6.65
1.15
7.12
6.65
1.15
SGGB
SGOA
1,522.82
13,699.07
29.59
283.04
1.94
1.96
1.94
1.96
1,522.82
13,699.07
29.59
283.04
1.94
1.96
1.94
1.96
1,023.10
13,886.09
82.10
1,098.70
8.02
8.42
8.02
8.42
HTDN
518.95
14.13
2.76
2.76
518.95
14.13
2.76
2.76
504.82
45.65
9.47
9.47
IESA
IPTD
ICTD
25,018.72
3,728.40
540.38
84.65
2.27
2.32
2.27
2.32
25,018.72
3,728.40
540.38
84.65
2.27
2.32
2.27
2.32
22,985.18
2,808.03
63.59
1,721.21
310.25
6.36
9.01
9.29
6.36
9.01
9.29
398.91
1,037.50
6.39
31.78
47.10
26.88
31.78
47.10
26.88
EAEQ
EACE
EEPG
EPBT
ECOS
EDPG
EDCD
ECCP
EUPD
EGMF
EMPG
16,953.83
200.00
-
333.53
4.36
-
2.17
2.18
-
2.17
2.18
-
16,953.83
200.00
-
333.53
4.36
-
2.17
2.18
-
2.17
2.18
-
13,840.52
200.00
-
973.35
17.50
0.32
8.05
8.75
0.80
8.05
8.75
0.80
3,458.15
83.92
2.43
2.43
3,458.15
83.92
2.43
2.43
3,458.15
245.60
9.95
9.95
OESH
OMGS
OEPU
TOTAL
7,047.79
114,343.13
1.21
1.97
1.21
1.97
1.21
1.97
1.21
1.97
89.86
2,227.60
7,047.79
114,343.13
89.86
2,227.60
11,731.06
111,635.89
0.46
4.80
4.80
285.32
253.36
68.76
9,032.98
37.99
4.20
42.01
9.14
37.99
4.20
42.01
9.14

No.
Name of the Fund
CAT Code
Investment
(Rs)

A4 Treasury Bills
B2 State Government Bonds/ Development Loans
E1 PSU - (Approved Investment)-Equity Shares quoted
E2 Corporate Securities (Approved Investment ) -Equity Shares (ordinary)-Quoted
E5 Corporate Securities - Bonds - Taxable
E9 Corporate Securities (Approved Investment ) -Debentures
E17 Deposits - CDs with Scheduled Banks
E21 Commercial Papers
F3 Equity Shares (incl Co-op Societies)
F5 Equity Shares (incl. Equity related Instruments) - Promoter Group
F13 Mutual Funds - Debt/ Income/ Serial Plans/ Liquid Schemes
F4 .Equity Shares (PSU & Unlisted)
Current Quarter
Income on Gross
Investment
Yield
(Rs)
%
Net
Yield
%
Investment
(Rs)
LINKED FUND
Year To Date
Income on
Investment
(Rs)
Gross
Yield
%
Net
Yield
%
Investment
(Rs)
Previous Year
Income on
Investment
(Rs)
Gross
Yield
%
Net
Yield
%
CGSB
CTRB
16,948.74
0.00
304.88
-
1.97
-
1.97
-
16,948.74
-
304.88
-
1.97
-
1.97
-
12,887.87
-
483.34
5.35
4.16
0.47
4.16
0.47
SGGB
SGOA
HTDN
1,351.20
990.46
484.76
35.44
26.30
48.57
2.35
2.81
1.95
2.35
2.81
1.95
1,351.20
990.46
484.76
35.44
26.30
48.57
2.35
2.81
1.95
2.35
2.81
1.95
1,246.13
390.92
2,484.76
36.04
49.66
20.90
5.60
4.47
0.84
5.60
4.47
0.84
IPTD
ICTD
26,321.33
10,303.81
728.03
127.66
2.61
1.74
2.61
1.74
26,321.33
10,303.81
728.03
127.66
2.61
1.74
2.61
1.74
29,419.39
5,777.26
2,363.06
619.76
9.34
8.32
9.34
8.32
EAEQ
EACE
EEPG
EPBT
ECOS
EDCD
ECCP
EUPD
EMPG
29,942.23
117,097.91
2,681.10
9.81
26,003.97
18,663.60
956.89
1,502.32
0.00
4,105.61
4,883.27
111.44
0.18
601.69
289.24
40.68
44.47
-
15.22
4.19
4.23
1.82
2.73
1.55
0.97
3.49
-
15.22
4.19
4.23
1.82
2.73
1.55
0.97
3.49
-
29,942.23
117,097.91
2,681.10
9.81
26,003.97
18,663.60
956.89
1,502.32
-
4,105.61
4,883.27
111.44
0.18
601.69
289.24
40.68
44.47
-
15.22
4.19
4.23
1.82
2.73
1.55
0.97
3.49
-
15.22
4.19
4.23
1.82
2.73
1.55
0.97
3.49
-
25,802.02
111,856.74
1,928.46
9.81
12,835.02
15,047.38
6,916.21
999.87
-
14,889.92
58,729.54
2,900.80
21.95
1,307.28
577.03
292.44
31.00
1.48
63.02
66.18
148.50
0.75
11.66
6.72
5.36
2.57
2.97
63.02
66.18
148.50
0.75
11.66
6.72
5.36
2.57
2.97
OESH
OEPG
OMGS
OEPU
TOTAL
25,028.87
3,867.04
6,642.98
1,985.20
290,782.23
(2,199.61)
(371.69)
148.07
(225.30)
8,698.91
(8.60)
(10.05)
1.22
(14.85)
2.99
(8.60)
(10.05)
1.22
(14.85)
2.99
25,028.87
3,867.04
6,642.98
1,985.20
290,782.23
(2,199.61)
(371.69)
148.07
(225.30)
8,698.91
(8.60)
(10.05)
1.22
(14.85)
2.99
(8.60)
(10.05)
1.22
(14.85)
2.99
27,189.65
1,938.30
21,286.80
1,140.71
279,157.31
8,602.92
(264.90)
963.42
177.27
91,808.28
38.36
(13.67)
4.61
33.17
38.36
38.36
(13.67)
4.61
33.17
38.36

No.
Name of the Fund
CAT Code
Investment
(Rs)
2
4

A4 Treasury Bills
E1 PSU - (Approved Investment)-Equity Shares quoted
E2 Corporate Securities (Approved Investment ) -Equity Shares (ordinary)-Quoted
E9 Corporate Securities (Approved Investment ) -Debentures
E28 Mutual Funds - Gilt/ G Sec/ Liquid Schemes
F3 Other than Approved Investments - Equity Shares (incl PSUs and Unlisted)
Current Quarter
Income on Gross
Investment
Yield
(Rs)
%
Net
Yield
%
Investment
(Rs)
PENSION FUND
Year To Date
Income on
Investment
(Rs)
Gross
Yield
%
Net
Yield
%
Investment
(Rs)
Previous Year
Income on
Investment
(Rs)
Gross
Yield
%
Net
Yield
%
CGSB
CTRB
11,563.18
-
214.84
-
1.88
-
1.88
-
11,563.18
-
214.84
-
1.88
-
1.88
-
11,722.83
-
638.85
10.39
7.22
2.34
7.22
2.34
SGOA
5,216.32
110.24
2.11
2.11
5,216.32
110.24
2.11
2.11
5,214.39
322.84
8.47
8.47
IPTD
ICTD
12,065.52
1,361.55
236.87
37.35
2.17
2.20
2.17
2.20
12,065.52
1,361.55
236.87
37.35
2.17
2.20
2.17
2.20
10,078.97
1,781.52
580.58
147.99
8.50
8.31
8.50
8.31
EAEQ
EACE
EEPG
ECOS
EUPD
EMPG
EGMF
5,492.37
539.08
1,682.35
113.32
12.38
12.84
2.15
2.30
1.16
2.15
2.30
1.16
5,492.37
539.08
1,682.35
113.32
12.38
12.84
2.15
2.30
1.16
2.15
2.30
1.16
4,995.66
539.08
628.55
262.98
622.70
4.03
313.08
4.15
0.78
46.39
26.68
34.98
21.83
8.13
9.41
4.50
4.40
26.68
34.98
21.83
8.13
9.41
4.50
4.40
OESH
TOTAL
37,920.37
737.84
2.04
2.04
37,920.37
737.84
2.04
2.04
34,961.00
2,954.75
10.00
10.00

FORM : L-35-Downgrading of Investments-2 (As on 30 June 2010)
Name of Fund LIFE FUND
` Lacs
Statement of Down Graded Investments
No
A.
Name of the Security
COI
Amount
Date of
Purchase
Rating
Agency
Current
Grade
Original Grade
Date of
Downgrade
Remarks
During the Quarter

NIL
B.
1
As on Date
8.75% ING Vysya Bank Ltd 17-05-2015.
EDPG
200.00 31/03/2006 CRISIL
AA+
AA
16/06/2009
NA
Name of Fund LINKED FUND
` Lacs
No
A.
During the Quarter

NIL
B.
As on Date
NIL
COI
Amount
Date of
Purchase
Rating
Agency
Original Grade
Current
Grade
Date of
Downgrade
Remarks
Current
Grade
Date of
Downgrade
Remarks
Name of Fund PENSION FUND
` Lacs
No
A.

During the Quarter
NIL
B.
As on Date
NIL
COI
Amount
Date of
Purchase
Rating
Agency
Original Grade

` in Lacs
FORM : L-36 - Premium and number of lives covered by policy type
Sl.
No
Particulars
Current Quarter
Premium
No. of
Policies
No. of
Lives
Same Quarter previous year

Sum Insured,
Wherever
applicable
Premium
20.00
100.00
89.46
8.07
62.33
2.41
37.50
No. of
Policies
No. of
Lives
Up to the period
Sum Insured,
Wherever
applicable
Premium
107.90
13.75
91.59
10.00
23.75
1.19
1.81
No. of
Policies
No. of
Lives
Same period of the previous year

Sum Insured,
Wherever
applicable
Premium
No. of
Policies
No. of
Lives
Sum Insured,
Wherever
applicable
20.00
100.00
89.46
8.07
62.33
2.41
37.50
182
13
64
2
10
182
13
64
2
10
8.47
23.39
59.47
35.11
23.07
14.37
51.41
303
127
169
58
27
13
25
2,782.05
2,905.53
2,071.08
163.89
1,067.70
18.49
452.93
62,064
17,144
4,561
262
1,141
17
174
60,733
17,005
4,524
262
1,124
17
172
1,397.79
84.55
151.59
41.65
113.21
760.78
447.76
8,697
57
77
17
38
832
59
8,682
57
76
17
38
831
59
First Year Premum

i Individual Single Premium- (ISP)
From 0-10000
From 10,000-25,000
From 25001-50,000
From 50,001- 75,000
From 75,000-100,000
From 1,00,001 -1,25,000
Above Rs. 1,25,000
ii Individual Single Premium (ISPA)- Annuity
From 0-50000
From 50,001-100,000
From 1,00,001-150,000
From 150,001- 2,00,000
From 2,00,,001-250,000
From 2,50,001 -3,00,000
Above Rs. 3,00,000
1.19
1.81
2
-
1.39
17.03
58.62
58.58
30.62
12.35
57.17
25
93
162
97
36
11
26
182
13
64
2
10
182
13
64
2
10
8.47
23.39
59.47
35.11
23.07
14.37
51.41
303
127
169
58
27
13
25
2,782.05
2,905.53
2,071.08
163.89
1,067.70
18.49
452.93
62,064
17,144
4,561
262
1,141
17
174
60,733
17,005
4,524
262
1,124
17
172
1,397.79
84.55
151.59
41.65
113.21
760.78
447.76
8,697
57
77
17
38
832
59
8,682
57
76
17
38
831
59
2
-
1.39
17.03
58.62
58.58
30.62
12.35
57.17
25
93
162
97
36
11
26
2,173.50
3,098.17
1,963.53
165.89
622.31
37.03
588.76
43,049
18,834
4,725
268
637
33
209
42,320
18,620
4,574
265
629
31
202
489.84
329.00
303.97
89.65
164.15
815.63
806.95
1,722
258
153
37
55
863
129
1,721
258
152
37
55
861
129
107.90
13.75
91.59
10.00
23.75
iii Group Single Premium (GSP)

From 0-10000
From 10,000-25,000
From 25001-50,000
From 50,001- 75,000
From 75,000-100,000
From 1,00,001 -1,25,000
Above Rs. 1,25,000
iv Group Single Premium- Annuity- GSPA
From 0-50000
From 50,001-100,000
From 1,00,001-150,000
From 150,001- 2,00,000
From 2,00,,001-250,000
From 2,50,001 -3,00,000
Above Rs. 3,00,000
110.02
880.20
2,555.18
2,173.87
931.96
360.87
1,697.64
917.36
1,225.70
2,591.01
1,296.19
714.66
362.36
1,203.77
110.02
880.20
2,555.18
2,173.87
931.96
360.87
1,697.64
917.36
1,225.70
2,591.01
1,296.19
714.66
362.36
1,203.77
v Individual Non Single Premium- INSP

From 0-10000
From 10,000-25,000
From 25001-50,000
From 50,001- 75,000
From 75,000-100,000
From 1,00,001 -1,25,000
Above Rs. 1,25,000
2,173.50
3,098.17
1,963.53
165.89
622.31
37.03
588.76
43,049
18,834
4,725
268
637
33
209
42,320
18,620
4,574
265
629
31
202
65,868.54
39,229.65
18,010.02
1,572.25
4,061.04
220.78
2,725.12
104,417.09
39,785.51
14,921.76
2,014.34
6,086.14
381.63
2,854.04
65,868.54
39,229.65
18,010.02
1,572.25
4,061.04
220.78
2,725.12
104,417.09
39,785.51
14,921.76
2,014.34
6,086.14
381.63
2,854.04
vi Individual non Single Premium- Annuity- INSPA

From 0-50000
From 50,001-100,000
From 1,00,001-150,000
From 150,001- 2,00,000
From 2,00,,001-250,000
From 2,50,001 -3,00,000
Above Rs. 3,00,000
489.84
329.00
303.97
89.65
164.15
815.63
806.95
1,722
258
153
37
55
863
129
1,721
258
152
37
55
861
129
From 0-10000
From 10,000-25,000
From 25001-50,000
From 50,001- 75,000
From 75,000-100,000
From 1,00,001 -1,25,000
Above Rs. 1,25,000
viii Group Non Single Premium- Annuity- GNSPA

From 0-10000
From 10,000-25,000
From 25001-50,000
From 50,001- 75,000
From 75,000-100,000
From 1,00,001 -1,25,000
Above Rs. 1,25,000
vii Group Non Single Premium (GNSP)
Renewal Premium
i Individual
From 0-10000
From 10,000-25,000
From 25001-50,000
From 50,001- 75,000
From 75,000-100,000
From 1,00,001 -1,25,000
Above Rs. 1,25,000
5,499.61
8,386.42
4,225.09
340.08
1,060.78
85.27
976.55
122,094
46,445
10,003
622
1,124
78
301
118,597
45,881
9,879
617
1,110
77
295
212,865.71
124,410.51
43,428.98
5,959.93
8,175.55
1,713.24
10,128.01
4,785.58
6,902.83
4,952.30
364.95
1,252.50
80.55
1,252.03
103,046
41,844
11,401
644
1,297
75
376
100,274
41,309
11,261
640
1,281
74
367
177,600.07
112,848.13
48,636.55
5,735.17
9,657.65
1,302.90
11,813.20
5,499.61
8,386.42
4,225.09
340.08
1,060.78
85.27
976.55
122,094
46,445
10,003
622
1,124
78
301
118,597
45,881
9,879
617
1,110
77
295
212,865.71
124,410.51
43,428.98
5,959.93
8,175.55
1,713.24
10,128.01
4,785.58
6,902.83
4,952.30
364.95
1,252.50
80.55
1,252.03
103,046
41,844
11,401
644
1,297
75
376
100,274
41,309
11,261
640
1,281
74
367
177,600.07
112,848.13
48,636.55
5,735.17
9,657.65
1,302.90
11,813.20
From 0-10000
From 10,000-25,000
From 25001-50,000
From 50,001- 75,000
From 75,000-100,000
From 1,00,001 -1,25,000
Above Rs. 1,25,000
380.66
119.89
71.83
8.63
52.08
4.24
4.91
2,648
554
169
18
41
6
3
2,646
554
169
18
41
6
3
45.08
11.63
8.00
1.00
-
143.22
33.09
19.29
1.35
11.10
1.25
4.60
1,224
195
61
4
12
1
4
1,223
192
61
4
12
1
4
41.99
8.35
5.75
1.00
-
380.66
119.89
71.83
8.63
52.08
4.24
4.91
2,648
554
169
18
41
6
3
2,646
554
169
18
41
6
3
45.08
11.63
8.00
1.00
-
143.22
33.09
19.29
1.35
11.10
1.25
4.60
1,224
195
61
4
12
1
4
1,223
192
61
4
12
1
4
41.99
8.35
5.75
1.00
-
From 0-10000
From 10,000-25,000
From 25001-50,000
From 50,001- 75,000
From 75,000-100,000
From 1,00,001 -1,25,000
Above Rs. 1,25,000
0.28
87.86
138
3,889
207.00
24,335.99
1.76
3.44
1.71
1.62
103.56
1,238
1,698
574
153
7,349
1,600.40
2,330.87
572.56
544.50
26,930.97
0.28
87.86
138
3,889
207.00
24,335.99
1.76
3.44
1.71
1.62
103.56
1,238
1,698
574
153
7,349
1,600.40
2,330.87
572.56
544.50
26,930.97
From 0-10000
From 10,000-25,000
From 25001-50,000
From 50,001- 75,000
From 75,000-100,000
From 1,00,001 -1,25,000
Above Rs. 1,25,000
ii Individual- Annuity
iii Group
1
4
12
10
3
2
10
1
4
12
10
3
2
10
iv Group- Annuity
-

` Crores
FORM : L37-Business acquisition through different channels (Group)
Sl.No. Channels
1
2
3
4
5
6
1
Individual agents
Corporate Agents-Banks
Corporate Agents -Others
Brokers
Micro Agents
Direct Business
Total (A)
Referral (B)
Grand Total (A+B)
Current Quarter
No. of
No. of Lives
Policies/ No.
Covered
of Schemes
525
525
525
Note:
1. Premium means amount of premium received from business acquired by the source
2. No. of policies stand for no. of policies sold
Premium
2.56
2.56
2.56
Same quarter previous year

No. of
No. of
Premium
Policies/ No.
Lives
of Schemes
Covered
225
0.02
1,705
2.23
1,930
2.24
1,930
2.24
Up to the period
No. of
No. of
Premium
Policies/ No.
Lives
of Schemes
Covered
525
2.56
525
2.56
525
2.56
Same period of the previous year

No. of
No. of
Premium
Policies/ No.
Lives
of Schemes
Covered
225
0.02
1,705
2.23
1,930
2.24
1,930
2.24

` Crores
FORM : L38 - Business acquisition through different channels (Individual)
Sl.No.
Channels
Up to the period
No. of
Policies
Premium
No. of
Policies
Premium
Up to the period
No. of
Policies
Same period of the previous

year
Premium
No. of
Policies
Premium
30,126
72.18
52,283
82.89
30,126
72.18
52,283
82.89
Corporate Agents-Banks
6,020
17.87
6,758
26.95
6,020
17.87
6,758
26.95
Corporate Agents -Others
6,260
11.87
596
0.80
6,260
11.87
596
0.80
Brokers
574
1.59
605
0.91
574
1.59
605
0.91
Micro Agents
Individual agents
2
3
4
5
6
Direct Business
Total (A)
Same quarter previous year
Referral (B)
Grand Total (A+B)
42,980
103.51
60,242
111.55
42,980
103.51
60,242
111.55
5,975
11.43
4,787
10.16
5,975
11.43
4,787
10.16
48,955
114.94
65,029
121.71
48,955
114.94
65,029
121.71
Note:
1. Premium means amount of premium received from business acquired by the source
2. No. of policies stand for no. of policies sold

` Crores
FORM : L39-Data on settlement of claims
Sl.No.
Types of Claims
1
2
3
4
5
Maturity Claims
Survival Benefit
for Annuities / Pension
For Surrender
Other benefits
Death Claims
On or before
matuirty
159
1,777
12,066
-
Ageing of Claims (Individual) *

No. of claims paid
1 month 1 - 3 months 3 - 6 months 6 months - 1
year
11
311
34
14
> 1 year
Total No. of
claims paid
Total amount
of claims paid
170
1,777
12,066
-
0.31
7.85
95.27
-
362
4.92
Total No. of
claims paid
Total amount
of claims paid
* the ageing of claims, in case of the death of the claims will be computed from the date of completion of all the documentation.
Sl.No.
Types of Claims
1
2
3
4
5
Maturity Claims
Survival Benefit
for Annuities / Pension
For Surrender
Other benefits
Death Claims
On or before
matuirty
7
39
19
Ageing of Claims (Group) *

No. of claims paid
1 month 1 - 3 months 3 - 6 months 6 months - 1
year
2
> 1 year
-
7
39
5.60
0.28
24
0.32

FOR L-40 - : Quarterly claims data for Life
No. of claims only
Individual Business
Sl. No. Claims Experience
1
2
3
4
a
b
5
6
Claims O/S at the beginning of the period

Claims reported during the period *
Claims Settled during the period
Claims Repudiated during the period
Less than 2 years from the date of acceptance of risk
Grater than 2 year from the date of acceptance of risk
Claims Written Back
Claims O/S at End of the period
Less than 3 months
3 months to 6 months
6 months to 1 year
1 year and above
For Death
for Maturity
112
422
362
18
18
2
152
107
38
4
3
170
170
-
Survival
Benefit
1,777
1,777
-
For Annuities/
Pension
-
For Surrender
12,066
12,066
-
Other Benefits
-
*in case of death- the claims for which all the documentations have been completed needs to be shown here.
No. of claims only
Group Business
Sl. No. Claims Experience
1
2
3
4
a
b
5
6
Claims O/S at the beginning of the period

Claims reported during the period*
Claims Settled during the period
Claims Repudiated during the period
Less than 2 years from the date of acceptance of risk
Grater than 2 year from the date of acceptance of risk
Claims Written Back
Claims O/S at End of the period
Less than 3 months
3 months to 6 months
6 months to 1 year
1 year and above
For Death
8
39
24
23
21
2
-
for Maturity
-
*in case of death- the claims for which all the documentations have been completed needs to be shown here.
Survival
Benefit
-
For Annuities/
Pension
-
For Surrender
7
7
-
Other Benefits
39
39
-

FORM : L41 - Greivance Disposal
Sl No.
1
a)
b)
a)
b)
Particulars
Complaints made by customers

Received through IRDA
Others
Complaints made by intermediaries
Received through IRDA
Others
Total Number
Duration wise Pending Status
a)
b)
Less than 15 days

Greater than 15 days
Total Number
GRIEVANCE DISPOSAL
Opening Balance *
Additions
755
19
736
755
3,015
37
2,978
90
90
3,105
Complaints made by
customers
Complaints
made by
intermediaries
196
261
457
4
2
6
Complaints Resolved/ settled

Fully
Partial
Rejected
Accepted
Accepted
3,335
23
3,312
62
62
3,397
Total
200
263
463
Complaints
Pending
435
33
402
28
28
463

L-42- Valuation Basis (Life Insurance)
A chapter on valuation basis covering the following minimum criteria should also be displayed on the web-site of the Insurers.
a.
b.
How the policy data needed for valuation is accessed.

How the valuation bases are supplied to the system
1) Interest : Maximum and minimum interest rate taken for each segment
i.
Individual Business
1.
Life- Participating policies
2.
Life- Non-participating Policies
3.
Annuities- Participating policies
4.AnnuitiesNon-participatingpolicies
5.
Annuities- Individual Pension Plan
6.
Unit Linked
7.
Health Insurance
ii.
Group Business
2)
The IT department provides the data required for performing the valuation. IT extracts the data from the Policy
The valuation parameters are classified as:
2004-05
2005-06
2006-07
2007-08
2008-09
Min
Max
Min
Max
Min
Max
Min
Max
Min
Max
7%
7%
7%
7%
7%
7%
7%
7%
6.50%
6.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
n/a
n/a
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
5.50%
Mortality Rates : the mortality rates used for each segment

1.
2.
3.
5.
6.
Unit Linked
7.
Health Insurance
ii.
Group Business
3)
Expense : (all are per policy un less otherwise mentioned)

1.
2.
3.
5.
6.
Unit Linked *
7.
Health Insurance
Term Assurance
ii.
Group Business
100%
100%
120%
120%
100%
100%
120%
120%
100%
100%
100%
100%
100%
112.5%
100%
100%
100%
112.5%
100%
100%
100%
112.5%
100%
100%
100%
112.5%
100%
100%
100%
112.5%
312
50
520
520
340
52
520
520
520
500
520
14.98
520
500
520
14.98
520
500
520
14.98
520
500
520
14.98
354
54
n/a
n/a
540
520
540
15.58
2009-10
Min
Max
6.50%
6.50%
4.50%
5.50%
Jun-10
Min
Max
6.50%
6.50%
4.50%
5.50%
5.50%
4.50%
5.50%
5.50%
5.50%
4.50%
5.50%
5.50%
5.50%
4.50%
5.50%
5.50%
5.50%
4.50%
5.50%
5.50%
120%
120%
n/a
n/a
100%
100%
100%
112.5%
90%
90%
120%
120%
90%
90%
120%
120%
90%
90%
135%
135%
90%
90%
135%
135%
90%
90%
90%
112.5%
90%
90%
90%
112.5%
90%
90%
90%
112.5%
90%
90%
90%
112.5%
90%
90%
90%
112.5%
90%
90%
90%
112.5%
90%
90%
90%
112.5%
90%
90%
90%
112.5%
540
540
354
54
540
540
354
54
540
540
368
56
562
562
371.63
56.55
567.54
567.54
540
520
540
15.58
540
520
540
15.58
540
520
540
15.58
540
520
540
15.58
540
520
540
15.58
562
541
562
16.20
562
541
562
16.20
567.54
546.33
567.54
16.36
567.54
546.33
567.54
16.36
* In addition to this in respect of UL policies additional expenses varying from 0.3% to 0,8% based on type of fund was also allowed. In respect of traditional paid up policies expenses @ 200
per policy upto 2005-06 and 208 per policy thereafter was also allowed for in valuation. For financial year 2009-10 this was changed to 216 per policy.
In case of IPP where premium discontinued beyond a year, expense @ 405 has been used for valuation with effect from 2007-08 which was changed to 421 in 2009-10 valuation
4)
Bonus Rates
Bonus Rates :
5)
6)
Policyholders Reasonable Expectations

Taxation and Shareholder Transfers
7)
8)
Basis of provisions for Incurred But Not Reported (IBNR)

Change in Valuation Methods or Bases
i.
Individuals Assurances
Bonus rates declared were above the bonus rates illustrated @6% and below that illustrated @10% (the lower and higher rates
prescribed by Life Council)
Allowed in case of participating portfolio at 12.5% Base Rate + applicable Surcharge + Education Cess
Set up assumed 2 month reporting delay in respect of death claims
2004-05
1.
Interest
Participating
Non particiapting
Min
7.0%
5.5%
2.
3.
ii.
iii.
iv.
v.
Annuities
1.
a.
b.
c.
2.
3.
Expenses
Inflation
Max
7.0%
6.0%
Min
7.0%
5.5%
2006-07
Max
7.0%
5.5%
Min
7.0%
5.5%
2007-08
Max
7.0%
5.5%
Min
7.0%
5.5%
4.0%
4.0%
4.0%
4.0%
n/a
n/a
0.0%
n/a
n/a
0.0%
n/a
n/a
0.0%
n/a
n/a
0.0%
n/a
n/a
0.0%
4.0%
4.0%
4.0%
4.0%
Increased as per Table 3 above

4.0%
4.0%
4.0%
0.0%
0.0%
0.0%
0.0%
4.0%
4.0%
4.0%
4.0%
Interest
Expenses
Inflation
5.5%
6.0%
5.5%
5.5%
4.0%
4.0%
4.0%
4.0%
Interest
Expenses
Inflation
5.5%
6.0%
5.5%
5.5%
4.0%
4.0%
4.0%
4.0%
Interest
Annuity in payment
Annuity during deferred period
Pension : All Plans
Expenses
Inflation
2008-09
Max
7.0%
5.5%

4.0%
4.0%
4.0%
4.0%
Unit Linked
1.
Interest
2.
Expenses
3.
Inflation
Health
1.
2.
3.
Group
1.
2.
3.
2005-06
n/a
n/a
0.0%
n/a
n/a
0.0%
Min
6.5%
5.5%
Max
6.5%
5.5%
2009-10
Min
Max
6.5%
6.5%
5.5%
5.5%
2009-10
Min
Max
6.5%
6.5%
5.5%
5.5%
4.0%
4.0%
4.0%
4.0%
4.0%
4.0%
n/a
n/a
0.0%
n/a
n/a
0.0%
n/a
n/a
0.0%
n/a
n/a
0.0%
n/a
n/a
0.0%
n/a
n/a
0.0%
n/a
n/a
0.0%
4.0%
4.0%
4.0%
4.0%
4.0%
4.0%
4.0%
0.0%
0.0%
0.0%
4.0%
4.0%
4.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
4.0%
4.0%
4.0%
4.0%
4.0%
4.0%
4.0%
5.5%
5.5%
5.5%
4.0%
4.0%
4.0%
5.5%
5.5%
5.5%
5.5%
5.5%
5.5%
5.5%
4.0%
4.0%
4.0%
4.0%
4.0%
4.0%
4.0%
5.5%
5.5%
5.5%
4.0%
4.0%
4.0%
5.5%
5.5%
5.5%
5.5%
5.5%
5.5%
5.5%
4.0%
4.0%
4.0%
4.0%
4.0%
4.0%
4.0%
Product name
Reversionary bonus for year ended 31-3-2010 for policies in force
Interim Bonus rate for claims occurring during inter valuation period
Reassuring Life Endowment Plan with cash bonus
5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 15% p.a.
Maximising Life Money back Plan (Cash Bonus)
5% of annualized premium payable on 1st Policy anniversary and thereafter increasing @ 12% p.a.
5% of annualized premium payable on 1st Policy anniversary and thereafter increasing

@ 14.7% p.a.
5% of annualized premium payable on 1st Policy anniversary and thereafter increasing
@ 10.5% p.a.
Fulfilling Life Anticipated Whole Life Plan
6.5% p.a. simple reversionary bonus
Rewarding Life Whole of Life Plan
4% p.a. compound reversionary bonus
3.6% p.a. compound reversionary bonus
Reassuring Life Endowment Plan with reversionary bonus
PoweringLifeLimitedPremiumEndowmentPlan
Creating Life Child Protection Plan
Safal Jeevan Endowment Plan
2% p.a compound reversionary bonus
New Fulfilling Life Anticipated Whole Life Plan
6 % p.a. simple reversionary bonus
Creating Life Money Back Plan
4% p.a simple reversionary bonus
3.6% p.a simple reversionary bonus
Safal Jeevan Money Back Plan
2% p.a compound reversionary bonus
Platinum Life
0.5% pa over and above the guaranteed bonus rate of 5%
None
Best Years' Retirement Plan and ING New Best Years' Retirement Plan
11.35% p.a.
8.19% p.a.

IVL Financials Q1-2010-11

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IVL Financials Q1-2010-11

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ING Vysya Life Insurance Company Limited

(Registration No: 114; Date of registration: 2 August 2001)

ING Vysya Life Insurance Company Limited

Premiums earned net

Benefits paid (net)

Surplus / (Deficit) (D) = (A)-(B)-(C)

For the Quarter

For the Quarter

ING Vysya Life Insurance Company Limited

Amount transferred from policyholders account (Technical account) (A)

For the Quarter

For the Quarter

Profit / (loss) carried forward to the balance sheet

ING Vysya Life Insurance Company Limited

Funds for future appropriation - Unit Linked

Fixed Assets (Net)

Debit balance in profit and loss account (shareholders' account)

1. Partly paid up investments

3. Underwriting commitments outstanding (in respect of shares and securities)

4. Guarantees given by or on behalf of the Company

5. Statutory demands / liabilities in dispute, not provided for (*)

6. Re-insurance obligations to the extent not provided for in accounts

7. Re-insurance obligations to the extent not provided for in accounts

8. Others Policy claims under dispute less reinsurance (where applicable)

ING Vysya Life Insurance Company Limited

FORM L4-Premium Schedule

Upto the Quarter

For the Quarter

Upto the Quarter

Direct - First year premium

FORM : L5-Commission Schedule

Break up of commission paid to intermediaries:

ING Vysya Life Insurance Company Limited

Operating expenses relating to insurance business

Employees remuneration, welfare benefits and other manpower costs

For the Quarter

Upto the Quarter

For the Quarter

Upto the Quarter

FORM : L7-Benefits Paid Schedule

Annuities / pensions in payment

Other benefits (incl Surrenders)

2. (Amount ceded in reinsurance) :

Annuities / pensions in payment

3. Amount accepted in reinsurance :

Annuities / pensions in payment

ING Vysya Life Insurance Company Limited

FORM : L8-Share Capital Schedule

FORM : L9-Pattern of Shareholding Schedule

ING Vysya Life Insurance Company Limited

FORM : L10-Reserve and Surplus Schedule

Reserves and surplus

FORM : L11-Borrowings Schedule

ING Vysya Life Insurance Company Limited

FORM : L12-Investment Shareholders Schedule

Short term investments

Total (C) = (A) + (B)

ING Vysya Life Insurance Company Limited

FORM : L13-Investment Policyholders Schedule

ING Vysya Life Insurance Company Limited

FORM : L14-Investment - Assets Held to cover Linked Liabilities Schedule

Assets held to cover linked liabilities

ING Vysya Life Insurance Company Limited

FORM : L15-Loans Schedule