The Banking industry comes under Financial group. It’s a commodity type industry.Industry Strengths Strong demand for banking services including fee based servicesRapid growth in infrastructure to make banking services available through increase in number of branches in semi-urban and rural areasImplementation of technology like electronic funds transfer to make banking speedier and convenient across cities and countriesImplementation of technologies like mobile banking, internet banking which makes banking simpler and bring down man-power costsIndustry WeaknessHigh Non-performing Assets (NPA), especially in public sector banks (PSB) due to huge loans to troubled sectors like power, infrastructure etc,Impact by high RBI policy ratesImpacted by high deposit and savings account interest ratesImpacted by populist measures like waving of loans to farmers and forcing the PSB to lend without adequate security.Growth DriversStrong demand for financial services like housing loans, infrastructure loans, credit cards, mutual funds and insurance business.Increasing availability of banking in rural areas.Awareness of the advantages of using banking services.Rapid urbanization and industrialization leading to demand from small and medium businesses.

Key Highlight of Company Business

IndusInd Bank is engaged in banking and para-banking services. Currently bank caters to the needs of both consumer and corporate customers. It has a robust technology platform supporting multi-channel delivery capabilities. IndusInd Bank has 1250 branches, and 2146 ATMs spread across geographic locations of the country.The Bank is engaged in granting loans to various segments, such as industries and businesses, and retail loans; financing a range of vehicles or equipment to individuals, and priority sector lending. Segments and ProductsThe Bank's segments include 1.Treasury, 2.Corporate/Wholesale Banking, 3.Retail Banking and Other Banking Operations. The Treasury segment includes investment portfolios, profit or loss on sale of investments, profit or loss on foreign exchange transactions, equities, income from derivatives and money market operations. The Corporate/Wholesale Banking segment includes lending to and deposits from corporate customers. The Retail Banking segment includes lending to and deposits from retail customers.

INCOME STATMENT BALANCE SHEET Net Sales () 4,286.78 Sep'17 Other Income () 1,186.76 Sep'17 PBDIT () 1,416.88 Sep'17 Net Profit () 936.25 Sep'17 Total Share Capital () 598.15 Net Worth () 20,630.92 Total Debt () 149,025.91 Net Block () 1,306.80 Investments () 36,702.14 Total Assets () 178,648.43

Fund Houses invested Indusind Bank stock

Fund Sep-17 SBI Mutual Fund 1.434 UTI Mutual Fund 1.423 Aditya Birla Sun Life Mutual Fund 1.337 Kotak Mahindra Mutual Fund 1.151 ICICI Prudential Mutual Fund 0.960 HDFC Mutual Fund 0.905 Motilal Oswal Mutual Fund 0.577 DSP BlackRock Mutual Fund 0.481 L&T Mutual Fund 0.446 Franklin Templeton Mutual Fund 0.405

Company: Indusind Bank Ltd. Address: 2401 , Gen Thimmayya Road, (Cantonment), Pune, Maharashtra - 411001 | Phone: +91-20-26343227 | Fax: +91-20-26343241 Email: investor@indusind.com Website: www.indusind.com Registrar & Transfer Agent: Link Intime India Pvt Ltd. Address: C 101, 247 Park, LBS Marg, Vikhroli (W), Mumbai(Old Address:) C-13 Pannalal Silk Compound, L B S Marg, Bhandup Mumbai Maharashtra, C 101, 247 Park, LBS Marg, Vikhroli (West) | Phone: 91-022-49186000 | Fax: 91-022-49186060 Email: helpdesk@linkintime.co.in Website: www.linkintime.co.in

The Refinery industry comes under Energy group. It’s a commodity type industry.Industry Strengths Hugh refinery capacities in India and now India is an exporter of petroleum productsNo substitute and customers have to pay the mandated pricesHuge and growing demand for crude and gas from industrial sector where it is used for power generationHugh and growing demand for gas like LPG and fuel like kerosene from domestic sectorIndustry WeaknessRaw materials, crude oil and gas are largely imported and subjected to fluctuating pricesCrude oil supply is controlled by OPEC which influences the priceHigh level of government involvement Heavily dependent on subsidies from governmentCapital intensive, long gestation periods and high riskImpacted negatively by weak rupeeGrowth DriversGlobal economic growth which leads to increasing demand for crude oil and gasGovernment proactive policies aimed towards India’s energy securityGovernment incentives to promote the sector especially to foreign and Indian private players.High demand from aviation, power generation, fertilizer and road transportation sectorGrowing industrial and domestic consumption

Key Highlight of Company Business

The Company is engaged in the business of refining of crude oil and marketing of petroleum products. HPCL is the third-largest refining company in India with ~19% market share in the total sales of petroleum products in the country. The company owns and operates two refineries— Mumbai refinery of 7.9 mtpa capacity and Vizag refinery of 8.3 mtpa capacity. It has a 16.95% equity stake in Mangalore Refineries (a subsidiary of ONGC) with an operable capacity of ~15 mtpa. It has a 13,802-strong nation-wide retail outlet network, the second largest in India after IOCL. Segments and Products It operates through two segments: 1.Downstream, and2.Exploration and Production of Hydrocarbons. The Downstream segment engages in refining, marketing and transportation of petroleum products. It offers motor spirit, high-speed diesel and liquefied petroleum gas (LPG). Its products and services include aviation turbine fuel; bulk fuels and petroleum products that are marketed to industrial consumers; LPG (HP Gas); Lubes (HP Lubes), and product pipelines. Its refineries upgrade the crude petroleum into various products and over 300 grades of lubricants, specialties and greases. The Company's marketing infrastructure includes a network of installations, depots, retail outlets, aviation service stations and LPG distributors.

INCOME STATMENT BALANCE SHEET Net Sales () 47,339.55 Sep'17 Other Income () 519.36 Sep'17 PBDIT () 2,905.59 Sep'17 Net Profit () 1,734.74 Sep'17 Total Share Capital () 1,016.27 Net Worth () 20,347.41 Total Debt () 17,170.56 Net Block () 36,131.88 Investments () 10,918.59 Total Assets () 35,707.49

Fund Houses invested HCPL stock

Fund Sep-17 Aditya Birla Sun Life Mutual Fund 1.765 SBI Mutual Fund 1.372 DSP BlackRock Mutual Fund 1.115 Motilal Oswal Mutual Fund 1.051 HDFC Mutual Fund 0.833 L&T Mutual Fund 0.526 Kotak Mahindra Mutual Fund 0.463 ICICI Prudential Mutual Fund 0.347 UTI Mutual Fund 0.231 Mirae Asset Mutual Fund 0.225

Company: Hindustan Petroleum Corpn. Ltd. Address: Petroleum House, 17 Jamshedji Tata Road, Churchgate, Mumbai, Maharashtra - 400020 | Phone: 022-2286 3900 / 2286 3634 | Fax: 022-2284 1573 / 2287 2992 Email: hpclinvestors@hpcl.co.in , corphqo@hpcl.co.in Website: www.hindustanpetroleum.com Registrar & Transfer Agent: Link Intime India Pvt Ltd. Address: C 101, 247 Park, LBS Marg, Vikhroli (W), Mumbai(Old Address:) C-13 Pannalal Silk Compound, L B S Marg, Bhandup Mumbai Maharashtra, C 101, 247 Park, LBS Marg, Vikhroli (West) | Phone: 91-022-49186000 | Fax: 91-022-49186060 Email: helpdesk@linkintime.co.in Website: www.linkintime.co.in

The Banking industry comes under Financial group. It’s a commodity type industry.Industry Strengths Strong demand for banking services including fee based servicesRapid growth in infrastructure to make banking services available through increase in number of branches in semi-urban and rural areasImplementation of technology like electronic funds transfer to make banking speedier and convenient across cities and countriesImplementation of technologies like mobile banking, internet banking which makes banking simpler and bring down man-power costsIndustry WeaknessHigh Non-performing Assets (NPA), especially in public sector banks (PSB) due to huge loans to troubled sectors like power, infrastructure etc,Impact by high RBI policy ratesImpacted by high deposit and savings account interest ratesImpacted by populist measures like waving of loans to farmers and forcing the PSB to lend without adequate security.Growth DriversStrong demand for financial services like housing loans, infrastructure loans, credit cards, mutual funds and insurance business.Increasing availability of banking in rural areas.Awareness of the advantages of using banking services.Rapid urbanization and industrialization leading to demand from small and medium businesses.

Key Highlight of Company Business

ICICI Bank is India’s second largest bank and the largest among private banks with total assets of about >INR7.5tn. The bank’s focus is on retail lending with retail financing representing ~53% of total loans and advances while International and corporate can be the new growth drivers when environment improves.The Bank is engaged in providing a range of banking and financial services, including commercial banking, retail banking, project and corporate finance, working capital finance, insurance, venture capital and private equity, investment banking, broking and treasury products and services. It has a network of approximately 18,210 branches and automated teller machines (ATMs). The Bank has approximately 110 Touch Banking branches across over 30 cities. Its international banking is focused on providing solutions for the international banking requirements of its Indian corporate clients and leveraging economic corridors between India and the rest of the world. Segment and ProductsThe Bank's business segments are 1.Retail banking, 2.Wholesale banking, 3.Treasury, 4.Other banking, 5.insurance and Others.

INCOME STATMENT BALANCE SHEET Net Sales () 13,577.05 Sep'17 Other Income () 5,186.24 Sep'17 PBDIT () 3,908.81 Sep'17 Net Profit () 2,058.19 Sep'17 Total Share Capital () 1,165.11 Net Worth () 99,944.82 Total Debt () 637,595.21 Net Block () 7,805.21 Investments () 161,506.55 Total Assets () 771,791.46

Fund Houses invested ICICI Bank stock

Fund Sep-17 HDFC Mutual Fund 4.065 ICICI Prudential Mutual Fund 2.802 SBI Mutual Fund 2.150 Reliance Mutual Fund 1.807 Aditya Birla Sun Life Mutual Fund 1.502 UTI Mutual Fund 0.965 Franklin Templeton Mutual Fund 0.913 Kotak Mahindra Mutual Fund 0.823 DSP BlackRock Mutual Fund 0.474 Mirae Asset Mutual Fund 0.308

Company: ICICI Bank Ltd. Address: Icici Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, Gujarat - 390007 | Phone: 0265 6722286 Email: companysecretary@icicibank.com Website: www.icicibank.com Registrar & Transfer Agent: 3I Infotech Ltd Address: Tower 5, 3rd to 6th Floors, International Infotech Park Vashi, Navi Mumbai | Phone: 91-022-67928015/28206 | Fax: 91-022-67928098 Email: helpdesk@linkintime.co.in Website: www.3i-infotech.com

The Housing Finance industry comes under Financial group. It’s a commodity type industry.Industry Strengths Strong and growing demand for housing loans in cities and small townsEmerging demand for home repair and extensionsAbility of the companies to offer property related services like consulting, brokerage, insurance etc to augment non fund based service incomeAvailability of credit rating services to evaluate the credit rating of prospective borrowersIndustry WeaknessCompetition from commercial banks who have entered this business in a large way and who have access to cheaper fundsNegatively impacted by increase in interest rates as cost of funds increasesRisk of loans becoming NPA if the interest rate increases to the extent that borrower cannot service his loans or borrower losses his job and has no income to service his loanGrowth DriversDomestic economic growth leading to growth in economic activity and growth in incomeRise in disposable income and desire to lead a good lifeRapid urbanization leading to demand for housingBreakup of joint family system and emergence of nuclear family system leading to demand in housingAbility of young professionals, especially double income families can borrow easilyGovernment incentives for housing loansGovernment laws which have strengthend the hands of lenders against defaulters

Key Highlight of Company Business

Indiabulls Housing Finance is one of the largest housing finance companies in India with AUM of >INR1tn. IHFL offers a broad suite of lending and other financial products to target client base of middle and upper-middle income individuals and small- and medium-sized enterprises, or SMEs. It has presence across 200+ locations across India and in house sales team of sourcing agents.Segments and ProductsIt is engaged in the business to provide finance and to undertake all lending and finance to person or persons, co-operative society, association of persons, body of individuals, companies, institutions, firms, builders, developers, contractors, tenants and others either at interest or without and/or with or without any security for construction, erection, building, repair, remodeling, development, improvement, purchase of houses, apartments, flats, bungalows, rooms, huts and townships, among others.

INCOME STATMENT BALANCE SHEET Net Sales () 3,115.89 Sep'17 Other Income () 755.85 Sep'17 PBDIT () 2,563.47 Sep'17 Net Profit () 1,084.05 Sep'17 Total Share Capital () 84.77 Net Worth () 11,869.32 Total Debt () 69,571.91 Net Block () 83.83 Investments () 14,165.09 Total Assets () 81,441.22

Fund Houses invested India Bulls Housing stock

Fund Sep-17 SBI Mutual Fund 4.065 Kotak Mahindra Mutual Fund 0.594 Reliance Mutual Fund 0.473 Edelweiss Mutual Fund 0.266 HDFC Mutual Fund 0.193 JM Financial Mutual Fund 0.162 UTI Mutual Fund 0.136 Aditya Birla Sun Life Mutual Fund 0.114 IDFC Mutual Fund 0.096 HSBC Mutual Fund 0.087

Company: Indiabulls Housing Finance Ltd. Address: M - 62 & 63, First Floor, Connaught Place, New Delhi, Delhi - 110001 | Phone: 0124-6681199 | Fax: 0124-6681240 Email: helpdesk@indiabulls.com Website: www.indiabullshomeloans.com Registrar & Transfer Agent: Karvy Computershare Pvt Ltd Address: Karvy Selenium Tower B, Plot 31-32Gachibowli,Financial District, NanakramgudaHyderabad – 500032Tel. No. 040 67161500Fax. No. 040 23001153E-mail: einward.ris@karvy.comWebsite: www.karvy.comToll Free No. of exclusive Call Centre:1-800-345001, Karvy Selenium Tower B, Plot 31-32, Gachibowli,Financial District, Nanakramguda | Phone: 91-040-67161500 | Fax: 91-040-23001153 Email: einward.ris@karvy.com Website: www.karvy.com

The Refinery industry comes under Energy group. It’s a commodity type industry.Industry Strengths Hugh refinery capacities in India and now India is an exporter of petroleum productsNo substitute and customers have to pay the mandated pricesHuge and growing demand for crude and gas from industrial sector where it is used for power generationHugh and growing demand for gas like LPG and fuel like kerosene from domestic sectorIndustry WeaknessRaw materials, crude oil and gas are largely imported and subjected to fluctuating pricesCrude oil supply is controlled by OPEC which influences the priceHigh level of government involvement Heavily dependent on subsidies from governmentCapital intensive, long gestation periods and high riskImpacted negatively by weak rupeeGrowth DriversGlobal economic growth which leads to increasing demand for crude oil and gasGovernment proactive policies aimed towards India’s energy securityGovernment incentives to promote the sector especially to foreign and Indian private players.High demand from aviation, power generation, fertilizer and road transportation sectorGrowing industrial and domestic consumption

Key Highlight of Company Business

Indian Oil Corporation is the largest oil marketing company in India with a ~47% market share. It also has the largest network of retail outlets across the country (more than 25,000 outlets). It also has the largest refining capacity in the country at 80.7mtpa. It has commissioned its 15mtpa refinery at Paradip which is the most complex PSU refinery. IOCL also has a large presence in pipelines and chemicals.Its business interests span the entire hydrocarbon value-chain ranging from refining, pipeline transportation and marketing of petroleum products to exploration and production of crude oil and gas, marketing of natural gas and petrochemicals. Segments and ProductsThe Company's segments include 1.Sale of Petroleum Products, 2.Sale of Petrochemicals and 3.Other businesses. Its Other businesses segment includes sale of gas, explosives and cryogenics, wind mill and solar power generation, and oil and gas exploration activities. It has a portfolio of energy brands that include Indane liquefied petroleum gas (LPG) cooking gas, SERVO lubricants, XTRAPREMIUM petrol, XTRAMILE diesel and PROPEL petrochemicals. It operates approximately 25,000 petrol and diesel stations, including over 6,200 Kisan Seva Kendra outlets in the rural markets. It owns and operates over 10 refineries with a combined refining capacity of over 80.7 million metric tons per annum.

INCOME STATMENT BALANCE SHEET Net Sales () 90,566.72 Sep'17 Other Income () 587.76 Sep'17 PBDIT () 7,373.25 Sep'17 Net Profit () 3,696.29 Sep'17 Total Share Capital () 4,739.34 Net Worth () 99,728.72 Total Debt () 50,384.80 Net Block () 107,879.49 Investments () 47,304.60 Total Assets () 139,375.70

Fund Houses invested Indian Oil Corp stock

Fund Sep-17 ICICI Prudential Mutual Fund 1.174 Reliance Mutual Fund 0.566 SBI Mutual Fund 0.264 HDFC Mutual Fund 0.194 UTI Mutual Fund 0.138 Aditya Birla Sun Life Mutual Fund 0.123 Franklin Templeton Mutual Fund 0.057 JM Financial Mutual Fund 0.042 IDFC Mutual Fund 0.025 Tata Mutual Fund 0.087

Company: Oil & Natural Gas Corpn. Ltd. Address: 5, Nelson Mandela Marg, Vasant Kunj, New Delhi, Delhi - 110070 | Phone: 022-26754073/79 | Fax: 022-26129091 Email: secretariat@ongc.co.in Website: www.ongcindia.com Registrar & Transfer Agent: Alankit Assignments Ltd Address: Alankit House , 1 E/13,Jhandewala Extension,New Delhi, Alankit House , 1 E/13, Jhandewala Extension | Phone: 91-11-4254 1234 | Fax: 91-11- 4154 3474 Email: rta@alankit.com Website: www.alankit.com

The pharmaceutical industry comes under Healthcare group. It’s a Non-commodity type industry.Industry Strengths Growing demand as lifestyles continue to become sedentary leading to particular disorders.Inelastic demand for basic medicines for chronic illnesses.Low R&D, trial and production costs especially for generics.Access to foreign markets due to mergers and acquisitions and strategic tie-ups.Industry WeaknessUncertain government regulations on pricingHigh competition from foreign companiesDependence of regulators in developed marketsHigh risk of litigations and patents disputes especially in developed marketsGrowth DriversGrowing population with higher life expectancy and greater number of old peopleAwareness of latest medicine technologiesIncreasing lifestyle disorders such as diabetes, cardiac and obesityVery strong demand for generics in developed and domestic markets due to its cheap pricing.Growth in hospital and healthcare sector

Key Highlight of Company Business

Lupin is a pharmaceutical company and a leading generic player from India. The Company is engaged in producing, developing and marketing a range of branded and generic formulations, biotechnology products and active pharmaceutical ingredients (APIs) across the world. US and India are its largest markets and contribute almost 60% of its revenues and boasts of significant presence in Japan (unlike most other generic players). While in India it is among the top-10 companies and among the fastest growing, it is among top-5 companies in terms of prescriptions in the US. To top that, it entered the Japan market well before other generic players and is now among the top-10 generic companies in Japan. The Company along with its subsidiaries has manufacturing locations spread across India, Japan, the United States, Mexico and Brazil. Segments and ProductsThe Company offers products in the 1.cardiovascular, 2.diabetology, 3.asthma, 4.pediatrics, 5.central nervous system, 6.gastro-intestinal, 7.anti-infectives and 8.non-steroidal anti-inflammatory drug therapy areas. The Company also offers solutions in the anti-tuberculosis (anti-TB) and cephalosporins therapy areas. It has a pipeline of biosimilars addressing therapies, such as oncology, anti-inflammatory, anti-viral, rheumatoid arthritis, endocrinology, diabetes, ophthalmology and women's health. The Company's products include Antara, Methergine, Methylphenidate, Glumetza, Gluconorm, Tonact, Rcinex and Ramistar, among others.

INCOME STATMENT BALANCE SHEET Net Sales () 2,528.11 Sep'17 Other Income () 74.33 Sep'17 PBDIT () 541.51 Sep'17 Net Profit () 388.90 Sep'17 Total Share Capital () 90.32 Net Worth () 14,780.24 Total Debt () 588.51 Net Block () 3,012.52 Investments () 6,913.92 Total Assets () 15,368.75

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