ICICI Pru Regular Savings Fund(M-IDCW)
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Business Overview
ICICI Pru Regular Savings Fund (M-IDCW) is a well-structured mutual fund designed for investors seeking steady returns through a balanced portfolio of debt and equity. Ideal for individuals looking to build wealth over time while enjoying the benefits of systematic investment, this fund emphasizes capital appreciation and regular income. Its professional management and diversified approach make it a reliable choice for both new and seasoned investors.
- Designed for long-term wealth creation
- Balanced exposure to debt and equity
- Regular income through monthly dividend options
- Managed by experienced professionals
- Ideal for risk-averse investors seeking stability
Investment Thesis
ICICI Pru Regular Savings Fund stands out due to its robust promoter backing and credibility in the financial sector. The fund is positioned to capitalize on the growing digital services landscape, enhancing customer engagement and efficiency. Additionally, its attractive valuation compared to peers makes it an appealing choice for investors seeking growth and stability.
- Strong backing from the reputable ICICI Group enhances credibility.
- Significant growth potential in digital services to attract younger investors.
- Attractive valuation compared to peer funds, offering potential for higher returns.
- Consistent performance history instills confidence in long-term investment.
- Focus on risk management ensures stability in volatile markets.
Opportunity vs Risk
- Strong historical performance
- Diverse investment portfolio
- Potential for steady returns
- Rising demand for savings plans
- Market volatility impact
- Regulatory changes risk
- Interest rate fluctuations
- Liquidity concerns in downturns
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10BusinessHighThe sector is evolving with a focus on digital transformation, but competition is intense.
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10GrowthHighConsistent revenue growth observed, but profit margins are under pressure.
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10ProfitabilityHighROE is decent, but OCF is fluctuating compared to net profit.
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10ValuationHighValuation metrics are in line with peers, but growth expectations are tempered.
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8BalanceHighDebt levels are manageable, but liquidity could be improved.
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7GovernanceHighPromoter holding is stable, but there are concerns about transparency.
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5DriversGoodGrowth drivers are present, but execution risks remain significant.
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3TechnicalsLowMarket sentiment is mixed, with low liquidity affecting price action.