1. Welcome UTI - SIP

2. India Growth Story

3. India Financials – A Snapshot
1991 – Start Economic reforms in India GDP – US$278 billion
2001- GDP - US$473 billion
2007 – GDP Crossed US$1 trillion
FY2010 – GDP US$1.3 trillion
Grown more than US$ 300 billion in 3 years
Expected to cross US$ 1.5 trillion* in 2011 And beyond US$ 2.5 trillion* by 2015
Absolute growth in 20 years i.e. from 1991 to 2010: 368%
*Source: Projection based on OECD,IMF, UN, World Bank and CIA data

4. India Financials – A Snapshot (Contd..)
Savings Rate – around 28%
Young Population
GDP Growth rate – Between 7-9%
At this rate India GDP expected to be at
$4.5 trillion very soon
Per Capita now- $1017
Expected $3213

5. Indian Economy Long term : Bright prospects
Demographics, Income growth & ‘India’ story
Medium Term : Healthy Outlook
India Inc. enjoys higher ROE’s compared to RoW

6. Healthy Savings

7. Savings – An Indian Religion
28%
France
11.1%
Household Savings Rate –
A Comparison
Germany
10.7%
Indians are amongst the highest savers in the world
Japan
6.3% UK
5.5%
USA 1.4%

8. Individual Investor: Savings Profile
Investors does not seem to use equities to create long term wealth

9. Inflation is the Enemy

10. Understanding Inflation
Your
ENEMY!
Inflation
Rate
8%*
Rs. 10,000 today
will
be worth …
Rs. 6,805
after
5 years…
Rs. 4,631
after
10 years…
Rs. 2,145
after
20 years…
Rs. 993
after
30 years
* 1 year average of inflation rates (July 2011)

11. Value of Money over time
Impact of inflation on monthly expenses of Rs. 30,000 today
Value of Rs. 100,000 over time
100,000
1,39,829
68,058
95,165
31,524
44,080
21,454
30,000
Today
5 years
15 years
20 years
Today
5 years
15 years
20 years 8%
Investors need to beat Inflation

12. Asset Classes

13. Performances of Various Asset Classes
Cumulative annualized returns: 1982 to 2011
16.75%
9.37%
8.96%
6.75%
2.08%
WPI Inflation
Bank FD*
BSE Sensex^
Growth
Real Growth
Equities outperform other asset classes over the long term
Source: IIFL, Internal; *1-3 year deposit rate; ^excluding dividends; data as at end FY2011

14. The Downside Risk in Equities The Risk of Market Volatility
Individual Investors are scared of…
The Downside Risk in Equities
The Risk of Market Volatility
The Risk of Market Timing

15. Does Timing Work ?

16. Investing in the BSE Sensex – 25 years
Market timing does not matter over the long term
16.90%
16.02%
15.07%
Fixed investment at highest sensex value every year
Fixed investment at lowest sensex value every year
Fixed investment on 1st day of every month
Data source: ICRA MFIE

17. Power of Compounding

18. The Power of Compounding: Illustration A
Table Illustrating the power of compounding (Assumed rate of return: 12% p.a.)
Monthly Investments (Rs.)
12% return per annum
5 years
10 years
15 years
20 years
25 years
2,000
1.65 Lakh
4.65 Lakh
10.09 Lakh
19.98 Lakh
37.95 Lakh
5,000
4.12 Lakh
11.62 Lakh
25.23 Lakh
49.96 Lakh
94.88 Lakh
10,000
8.25 Lakh
23.23 Lakh
50.46 Lakh
99.91 Lakh
1.90 Crore
15,000
12.37 Lakh
34.85 Lakh
75.69 Lakh
1.50 Crore
2.85 Crore
20,000
16.50 Lakh
46.47 Lakh
1.01 Crore
2.00 Crore
3.80 Crore
25,000
20.62 Lakh
58.08 Lakh
1.26 Crore
2.50 Crore
4.74 Crore
50,000
41.24 Lakh
1.16 Crore
2.52 Crore
5.00 Crore
9.49 Crore
The above table is for illustration purpose only and not an indication of the performance of any of the schemes of UTI Mutual Fund. Calculations are based on assumed rate of return and actual return may be more, or less.
Invest Systematically to Benefit from the Power of Compounding
Source : Internal

19. The Power of Compounding: Illustration B
Table Illustrating the power of compounding (Assumed rate of return: 15% p.a.)
Monthly Investments (Rs.)
15% return per annum
5 years
10 years
15 years
20 years
25 years
2,000
1.79 Lakh
5.57 Lakh
13.54 Lakh
30.32 Lakh
65.68 Lakh
5,000
4.48 Lakh
13.93 Lakh
33.84 Lakh
75.80 Lakh
1.64 Crore
10,000
8.97 Lakh
27.87 Lakh
67.69 Lakh
1.52 Crore
3.28 Crore
15,000
13.45 Lakh
41.80 Lakh
1.02 Crore
2.27 Crore
4.93 Crore
20,000
17.94 Lakh
55.73 Lakh
1.35 Crore
3.03 Crore
6.57 Crore
25,000
22.42 Lakh
69.66 Lakh
1.69 Crore
3.79 Crore
8.21 Crore
50,000
44.84 Lakh
1.39 Crore
3.38 Crore
7.58 Crore
16.42 Crore
The above table is for illustration purpose only and not an indication of the performance of any of the schemes of UTI Mutual Fund. Calculations are based on assumed rate of return and actual return may be more, or less.
Invest Systematically to Benefit from the Power of Compounding
Source : Internal

20. The Power of Compounding: Illustration C
Table Illustrating the power of compounding (Assumed rate of return: 20% p.a.)
Monthly Investments (Rs.)
20% return per annum
5 years
10 years
15 years
20 years
25 years
2,000
2.07 Lakh
7.65 Lakh
22.69 Lakh
63.23 Lakh
1.73 Crore
5,000
5.17 Lakh
19.12 Lakh
56.71 Lakh
1.58 Crore
4.31 Crore
10,000
10.35 Lakh
38.24 Lakh
1.13 Crore
3.16 Crore
8.63 Crore
15,000
15.52 Lakh
57.35 Lakh
1.70 Crore
4.74 Crore
12.94 Crore
20,000
20.69 Lakh
76.47 Lakh
2.27 Crore
6.32 Crore
17.25 Crore
25,000
25.86 Lakh
95.59 Lakh
2.84 Crore
7.90 Crore
21.57 Crore
50,000
51.73 Lakh
1.91 Crore
5.67 Crore
15.81 Crore
43.13 Crore
The above table is for illustration purpose only and not an indication of the performance of any of the schemes of UTI Mutual Fund. Calculations are based on assumed rate of return and actual return may be more, or less.
Invest Systematically to Benefit from the Power of Compounding
Source : Internal

21. Rupee Cost Averaging

22. Benefit of SIP - Rupee Cost Averaging
Takes the guesswork out of “timing” the market
Involves investing a set amount of money at regular intervals over a long period of time
You automatically buy more units when prices are lower and fewer units when prices are higher
Month
Amount Invested
(Rs.)
Purchase Price
No. of units
purchased 1
1000 10
100.00 2 9
111.11 3 4 11
90.91 5 12
83.33 6 7 8
125.00
Example for illustration purpose only
Total Investment Rs. 12,000, total no. of units purchased
Average cost per unit 9.94 < 10
Lower average cost per unit over time

23. Huge Opportunity

24. MF Penetration in India is very low
Large untapped market
MF Penetration in India is very low
AUM to GDP Ratio less than 10% presently
MF AUM to GDP Ratio for similar size economies around 20%
If this happens in India – MF AUM likely to be 40 lakh Cr by 2020 from 7 lakh Cr presently
.... Certainly looks Bright!!

25. SIP Returns

26. UTI SIP Returns UTI - DIVIDEND YIELD FUND UTI - MASTERSHARE
SIP Returns as on 31st August 2011
Investment Amount ( Rs.)
Investment Value
Yield ( % )
Fund
BSE 100
1 year
12000
11142
10433
-13.07
-23.37
3 years
36000
46553
40240
17.48
7.39
5 years
60000
86786
67318
14.77
4.56
since inception
75000
124212
94756
15.99
UTI - MASTERSHARE
SIP Returns as on 31st August 2011
Investment Amount ( Rs.)
Investment Value
Yield ( % )
Fund
BSE 100
1 year
12000
11025
10433
-14.77
-23.37
3 years
36000
42818
40240
11.63
7.39
5 years
60000
74038
67318
8.35
4.56
since
81000
118279
109764
11.06
8.88
UTI - OPPORTUNITIES FUND
SIP Returns as on 31st August 2011
Investment Amount ( Rs.)
Investment Value
Yield ( % )
Fund
BSE 100
1 year
12000
11474
10433
-8.06
-23.37
3 years
36000
47371
40240
18.72
7.39
5 years
60000
86422
67318
14.60
4.56
since inception
73000
113859
90056
14.48
6.83
Note : SIP returns are worked out assuming investment of Rs.1000/- every month at NAV per unit of the scheme as on the first working day for the respective time periods. The loads have not been taken into : Since inception return for above mentioned schemes is taken for the period Dec 2004 to July 2011 ( Since SIP facility was introduced in November 2004 ).

27. UTI SIP Returns UTI - EQUITY FUND SIP Returns as on 31st August 2011
Investment Amount ( Rs.)
Investment Value
Yield ( % )
Fund
BSE 100
1 year
12000
11025
10433
-14.62
-23.37
3 years
36000
44728
40240
14.66
7.39
5 years
60000
79072
67318
11.00
4.56
since inception
81000
125721
109764
12.84
8.88
UTI - MASTER VALUE FUND
SIP Returns as on 31st August 2011
Investment Amount ( Rs.)
Investment Value
Yield ( % )
Fund
BSE 100
1 year
12000
11018
10383
-14.87
-24.07
3 years
36000
50147
40496
22.82
7.82
5 years
60000
87013
67585
14.87
4.71
since inception
81000
132141
108873
14.29
8.64
Note : SIP returns are worked out assuming investment of Rs.1000/- every month at NAV per unit of the scheme as on the first working day for the respective time periods. The loads have not been taken into : Since inception return for above mentioned schemes is taken for the period Dec 2004 to July 2011 ( Since SIP facility was introduced in November 2004 ).

28. What is in it for me ?

29. (including upfront + additional upfront as incentive + trail)
What is in it for me ?
If you do ….
Monthly SIP Amount – Rs.10,000/-
Tenure – 10 yrs.
No. of SIPs you plan to do – 250
Expected rate of return – 15%
Your earning per application – Rs.61,900/-
Your total AUM will be – Rs. 68,81,79,689/-
- Earnings of Rs. 1,54,75,010/-
(including upfront + additional upfront as incentive + trail)
The earnings figure is based on the assumption that if you do 250 SIPs of Rs.10,000/- monthly for tenure of 10 yrs. and if expected rate of return is 15% then the upfront commission + additional upfront commission as incentive + trail commission up to 10 yrs.

30. (including upfront + additional upfront as incentive + trail)
What is in it for me ?
If you do ….
Monthly SIP Amount – Rs.10,000/-
Tenure – 15 yrs.
No. of SIPs you plan to do – 250
Expected rate of return – 15%
Your earning per application – Rs.1,78,156/-
Your total AUM will be – Rs.167,15,55,675/-
- Earnings of Rs. 4,45,38,950/-
(including upfront + additional upfront as incentive + trail)
The earnings figure is based on the assumption that if you do 250 SIPs of Rs.10,000/- monthly for tenure of 15 yrs. and if expected rate of return is 15% then the upfront commission + additional upfront commission as incentive + trail commission up to 10 yrs.

31. Thank You