ICICI Pru Regular Savings Fund(H-IDCW)

Ticker: mf15233
Decent 66/100

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Business Overview

ICICI Pru Regular Savings Fund (H-IDCW) is a well-structured mutual fund designed for investors seeking stable returns through a balanced portfolio of debt and equity instruments. Ideal for conservative investors aiming for wealth accumulation over the long term, this fund provides a systematic approach to savings. It focuses on capital preservation while allowing for moderate growth, making it a reliable choice for financial planning.

  • Balanced portfolio of debt and equity
  • Targeted for conservative investors
  • Focus on capital preservation
  • Moderate growth potential
  • Systematic investment approach
  • Managed by experienced professionals

Investment Thesis

ICICI Pru Regular Savings Fund (H-IDCW) stands out due to its strong backing from the reputable ICICI Group, ensuring credibility and trust. The fund is well-positioned to capitalize on the growing digital services landscape, offering a significant growth runway. Additionally, its attractive valuation compared to peers makes it a compelling investment opportunity for retail investors.

  • Strong promoter group with ICICI's established credibility.
  • Significant growth potential in digital services.
  • Attractive valuation compared to industry peers.
  • Consistent performance and reliable returns.
  • Ideal for long-term wealth accumulation.

Opportunity vs Risk

Opportunities
  • Strong brand reputation
  • Consistent historical performance
  • Diversified investment portfolio
  • Potential for market growth
  • Tax benefits on investments
Risks ⚠️
  • Market volatility impact
  • Regulatory changes
  • Interest rate fluctuations
  • Economic downturns
  • Liquidity concerns

Peer Perspective

ICICI Pru Regular Savings Fund trades at a slight premium compared to peers like HDFC Life and SBI Life. For a rerating, consistent margin stability and growth acceleration will be crucial.
📊 Stock Investment Checklist (100 Points)
ICICI Pru Regular Savings Fund(H-IDCW) • Updated: 2025-10-01 03:22:44
  • 10
    Business
    High
    The sector is evolving with a focus on digitalization and customer-centric models.
  • 10
    Growth
    High
    Consistent revenue growth observed over the past few years.
  • 10
    Profitability
    High
    ROE and ROCE are stable, but OCF shows some volatility.
  • 8
    Valuation
    High
    Valuation metrics are slightly above peers, indicating potential overvaluation.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity could be improved.
  • 9
    Governance
    High
    Promoter holding is strong, with minimal pledging.
  • 10
    Drivers
    High
    Growth drivers are present, but execution risks remain.
  • 5
    Technicals
    Good
    Market sentiment is neutral with moderate liquidity.
Final Score & Verdict
Score 66 / 100 • Decent
The fund shows decent potential with stable growth and profitability metrics, but caution is advised due to valuation concerns and execution risks.