ICICI Prudential FMP 88 - 1226 Days Fund is a fixed maturity plan designed for conservative investors seeking stable returns over a defined period. This fund invests primarily in debt securities, making it suitable for those looking to preserve capital while earning predictable income. Its structured maturity aligns with financial goals, providing a reliable investment option.

Targeted for conservative investors
Focuses on capital preservation
Invests in high-quality debt instruments
Defined maturity period for better planning
Predictable returns for financial stability

Investment Thesis

ICICI Pru FMP-88-1226D-F stands out due to its strong backing from the reputable ICICI Group, ensuring credibility and stability. The fund is well-positioned to leverage the growing digital services sector, enhancing its growth potential. Additionally, its attractive valuation compared to peers makes it a compelling investment opportunity for retail investors seeking long-term gains.

Strong promoter group with ICICI's established credibility.
Significant growth potential in digital services.
Attractive valuation relative to industry peers.
Robust risk management and investment strategies.
Consistent performance track record enhances investor confidence.

Opportunity vs Risk

Opportunities

Strong growth in insurance sector
Diversified investment portfolio
Potential for steady returns
Increasing customer base
Government support for insurance industry

Risks ⚠️

Market volatility affecting returns
Regulatory changes impact operations
Economic slowdown risks
High competition in insurance market
Interest rate fluctuations

Peer Perspective

ICICI Pru FMP-88-1226D-F trades at a slight premium compared to peers like HDFC Life and SBI Life. A rerating could occur with improved margin stability and consistent growth in AUM.

📊 Stock Investment Checklist (100 Points)

ICICI Pru FMP-88-1226D-F • Updated: 2025-09-29 13:37:45

8

Business
High

The sector is evolving with a focus on digital transformation, but competition is increasing.
10

Growth
High

Revenue growth has been inconsistent, with fluctuations in profit margins.
10

Profitability
High

ROE and ROCE are decent, but cash flow has shown variability.
9

Valuation
High

Valuation metrics are slightly above peers, indicating potential overvaluation.
8

Balance
High

Debt levels are manageable, but liquidity could be improved.
7

Governance
High

Promoter holding is stable, but there are concerns about transparency.
6

Drivers
Good

Growth drivers are present, but execution risks remain high.
5

Technicals
Good

Market sentiment is neutral with low liquidity.

Final Score & Verdict

Score 55 / 100 • Decent

The stock shows potential but faces challenges in growth consistency and valuation. Investors should proceed with caution.