ICICI Pru Overnight Fund

Ticker: mf12500
Decent 48/100

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Business Overview

ICICI Pru Overnight Fund is a debt mutual fund designed for investors seeking short-term investment options with low risk. Ideal for conservative investors, this fund primarily invests in overnight securities, ensuring liquidity and safety. It offers a reliable avenue for parking funds while earning better returns than traditional savings accounts. With a focus on capital preservation, it suits individuals looking to manage cash flows efficiently. This fund stands out for its professional management and transparency, making it a trustworthy choice for prudent investors.

  • Short-term investment option
  • Low-risk profile
  • Ideal for conservative investors
  • Focus on capital preservation
  • Professional fund management
  • Transparent and reliable

Investment Thesis

ICICI Pru Overnight Fund stands out due to its strong promoter backing, enhancing investor confidence. The fund is well-positioned to capitalize on the growing digital services landscape, offering significant growth potential. With attractive valuations compared to peers, it presents a compelling investment opportunity for retail investors seeking stability and growth.

  • Strong backing from the reputable ICICI Group ensures credibility.
  • Digital services growth provides a robust runway for future expansion.
  • Attractive valuation metrics compared to industry peers.
  • Focus on overnight liquidity aligns with current market needs.
  • Proven track record of consistent performance enhances investor trust.

Opportunity vs Risk

Opportunities
  • Stable returns in low-interest environment
  • Diversification for conservative portfolios
  • Potential for capital appreciation
  • Liquidity for short-term needs
Risks ⚠️
  • Market volatility affecting returns
  • Interest rate fluctuations
  • Credit risk from underlying securities
  • Regulatory changes impacting funds

Peer Perspective

ICICI Pru Overnight Fund trades at a slight premium compared to peers like HDFC Overnight Fund and SBI Overnight Fund. A sustained improvement in margin stability could trigger a rerating for this fund.
📊 Stock Investment Checklist (100 Points)
ICICI Pru Overnight Fund • Updated: 2025-09-29 13:42:40
  • 10
    Business
    High
    The fund operates in a stable sector with a clear investment model.
  • 10
    Growth
    High
    Consistent revenue growth observed, but profit growth is moderate.
  • 10
    Profitability
    High
    ROE and OCF are satisfactory, but net profit margins are average.
  • 8
    Valuation
    High
    Valuation metrics are in line with peers, but not compelling.
  • 7
    Balance
    High
    Strong liquidity position, low debt levels.
  • 6
    Governance
    Good
    Promoter holding is stable, but some concerns over disclosures.
  • 5
    Drivers
    Good
    Limited growth catalysts identified, execution risks present.
  • 5
    Technicals
    Good
    Market sentiment is neutral with moderate liquidity.
Final Score & Verdict
Score 48 / 100 • Decent
The ICICI Pru Overnight Fund shows decent fundamentals but lacks strong growth drivers and compelling valuation metrics.


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