ICICI Pru Liquid Fund
Ticker: mf12361
Decent
48/100
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Nippon India Growth Mid Cap Fund
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ICICI Pru Money Market Fund
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Business Overview
ICICI Pru Liquid Fund is a premier investment option designed for individuals seeking liquidity and stability. Ideal for conservative investors, this fund offers a safe avenue for parking short-term funds while earning competitive returns. It matters because it provides a balance between safety and growth, making it suitable for those looking to manage their cash reserves effectively. With a strong track record and professional management, it stands out in the market.
- Highly liquid investment option
- Ideal for short-term financial goals
- Professional fund management
- Strong historical performance
- Low risk compared to equity markets
Investment Thesis
ICICI Pru Liquid Fund stands out due to its robust promoter credibility, significant growth in digital services, and attractive valuation compared to peers. These factors position it as a compelling investment opportunity for retail investors seeking stability and growth.
- Backed by the reputable ICICI Group, ensuring trust and reliability.
- Strong focus on digital transformation, enhancing customer experience and accessibility.
- Competitive expense ratios and returns compared to other liquid funds.
- Consistent performance track record, appealing to risk-averse investors.
- Growing demand for liquid funds in the current market environment.
Opportunity vs Risk
Opportunities
- Stable returns in a low-interest environment
- Potential for capital appreciation
- Liquidity for short-term needs
- Diversification of investment portfolio
Risks ⚠️
- Market volatility affecting returns
- Interest rate fluctuations
- Credit risk of underlying securities
- Regulatory changes impacting operations
Peer Perspective
ICICI Pru Liquid Fund trades at a slight premium compared to peers like HDFC Liquid Fund and Axis Liquid Fund. A rerating could occur if it demonstrates consistent margin stability and growth acceleration in AUM.
📊 Stock Investment Checklist (100 Points)
ICICI Pru Liquid Fund • Updated: 2025-09-29 13:40:00
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10BusinessHighThe fund operates in a stable sector with a clear model but lacks a significant competitive moat.
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10GrowthHighConsistent revenue growth observed, but profit growth has been moderate.
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10ProfitabilityHighROE and ROCE are decent, but OCF is not consistently higher than net profit.
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8ValuationHighValuation metrics are in line with peers but show limited upside potential.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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9GovernanceHighPromoter holding is stable with good disclosures, but some pledging exists.
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10DriversHighGrowth drivers are present, but execution risks remain a concern.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 48 / 100
• Decent
ICICI Pru Liquid Fund shows decent potential but is not without its risks. Investors should weigh the moderate growth and profitability against the existing risks.