ICICI Pru Savings Fund(M-IDCW)

Ticker: mf14190
Decent 75/100

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Business Overview

ICICI Pru Savings Fund (M-IDCW) is a well-structured debt mutual fund designed for conservative investors seeking stable returns with moderate risk. Ideal for those looking to park their savings for short to medium-term goals, this fund aims to provide liquidity and capital preservation. With a focus on high-quality debt instruments, it ensures a balanced approach to growth and safety.

  • Targeted at conservative investors
  • Suitable for short to medium-term savings
  • Focus on capital preservation
  • Invests in high-quality debt instruments
  • Offers liquidity and stable returns

Investment Thesis

ICICI Pru Savings Fund (M-IDCW) stands out due to its robust promoter backing, significant growth in digital services, and attractive valuation compared to peers. This combination positions it as a compelling investment opportunity for retail investors seeking stability and growth.

  • Strong backing from the reputable ICICI Group enhances credibility.
  • Digital services expansion offers a substantial growth runway.
  • Valuation metrics are favorable compared to industry peers.
  • Consistent performance history instills investor confidence.
  • Focus on customer-centric solutions aligns with market trends.

Opportunity vs Risk

Opportunities
  • Strong market presence
  • Diverse investment portfolio
  • Potential for steady returns
  • Growing demand for savings funds
Risks ⚠️
  • Market volatility impact
  • Interest rate fluctuations
  • Regulatory changes
  • Economic downturn effects

Peer Perspective

ICICI Pru Savings Fund trades at a slight premium compared to peers like HDFC Savings Fund and SBI Savings Fund. A rerating could occur if it demonstrates consistent margin stability and growth acceleration in its AUM.
📊 Stock Investment Checklist (100 Points)
ICICI Pru Savings Fund(M-IDCW) • Updated: 2025-10-01 14:58:48
  • 10
    Business
    High
    The sector is evolving with a focus on digitalization, but competition is intense.
  • 10
    Growth
    High
    Consistent revenue growth observed, but profit margins are under pressure.
  • 10
    Profitability
    High
    ROE and ROCE are decent, but OCF is fluctuating.
  • 10
    Valuation
    High
    Valuation metrics are in line with peers, but growth expectations are tempered.
  • 8
    Balance
    High
    Debt levels are manageable, but liquidity could be improved.
  • 7
    Governance
    High
    Promoter holding is stable, but there are concerns about disclosures.
  • 8
    Drivers
    High
    Growth drivers are present, but execution risks remain significant.
  • 5
    Technicals
    Good
    Market sentiment is mixed, with low liquidity affecting price action.
Final Score & Verdict
Score 75 / 100 • Decent
ICICI Pru Savings Fund shows potential for moderate growth, but investors should be cautious due to execution risks and market volatility.