ICICI Pru FMP-85-10Y-I
Ticker: mf13333
Risky
48/100
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Business Overview
ICICI Pru FMP-85-10Y-I is a fixed maturity plan designed for conservative investors seeking stable returns over a 10-year horizon. This product is ideal for individuals looking to invest in a low-risk vehicle while benefiting from the potential of debt markets. It matters because it offers predictable income and capital preservation, making it a suitable choice for long-term financial goals.
- Targeted at conservative investors
- 10-year investment horizon
- Focus on capital preservation
- Predictable income generation
- Low-risk exposure to debt markets
- Managed by a trusted financial institution
Investment Thesis
ICICI Pru FMP-85-10Y-I stands out due to its strong promoter backing, robust digital service expansion, and attractive valuation compared to peers. This fund offers a credible investment opportunity for retail investors seeking stable returns in a growing market.
- Strong backing from ICICI Group enhances credibility and trust.
- Significant growth potential in digital services catering to evolving investor needs.
- Attractive valuation compared to industry peers, presenting a compelling entry point.
- Focus on long-term wealth creation with a 10-year investment horizon.
- Solid track record of performance, making it a reliable choice for conservative investors.
Opportunity vs Risk
Opportunities
- Stable returns over long term
- Diversification in fixed income
- Potential tax benefits
- Strong brand reputation
- Growing demand for debt funds
Risks ⚠️
- Interest rate fluctuations
- Market volatility impact
- Credit risk of underlying assets
- Liquidity concerns
- Limited growth compared to equities
Peer Perspective
ICICI Pru FMP-85-10Y-I trades at a slight premium compared to HDFC Life and SBI Life. A rerating could occur if it demonstrates consistent margin stability and improved growth metrics in the coming quarters.
📊 Stock Investment Checklist (100 Points)
ICICI Pru FMP-85-10Y-I • Updated: 2025-09-29 13:37:38
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10BusinessHighThe sector is stable but lacks significant growth drivers.
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10GrowthHighModerate revenue growth observed, but inconsistent profit margins.
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9ProfitabilityHighROE and ROCE are decent, but OCF is volatile.
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8ValuationHighValuation metrics are slightly above peers.
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7BalanceHighDebt levels are manageable, but liquidity is a concern.
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6GovernanceGoodPromoter holding is stable, but some pledging exists.
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4DriversGoodLimited growth catalysts identified.
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2TechnicalsLowWeak market sentiment and low liquidity.
Final Score & Verdict
Score 48 / 100
• Risky
The stock shows potential but is hindered by inconsistent performance and market sentiment.