ICICI Pru FMP-88-1226D-F(H-IDCW)

Ticker: mf17210
Decent 68/100

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Business Overview

ICICI Pru FMP-88-1226D-F(H-IDCW) is a Fixed Maturity Plan designed for conservative investors seeking stable returns over a defined period. This fund is ideal for individuals looking to park their money in a low-risk investment while benefiting from potential income through periodic dividends. With a focus on debt instruments, it aims to provide capital preservation alongside attractive yields. This makes it a suitable choice for those prioritizing safety and predictable growth in their investment portfolio.

  • Targeted at conservative investors
  • Defined maturity period for stability
  • Focus on low-risk debt instruments
  • Potential for regular dividend income
  • Capital preservation with attractive yields

Investment Thesis

ICICI Pru FMP-88-1226D-F(H-IDCW) stands out due to its strong backing from the ICICI Group, a trusted name in finance. The fund's focus on digital services positions it well for growth in a tech-driven market. Additionally, its attractive valuation compared to peers makes it a compelling choice for retail investors seeking long-term gains.

  • Strong promoter group with ICICI's established credibility.
  • Significant growth potential in digital services and fintech.
  • Attractive valuation compared to industry peers enhances appeal.
  • Robust risk management framework ensures investor safety.
  • Consistent performance track record builds investor confidence.

Opportunity vs Risk

Opportunities
  • Stable income from fixed maturity
  • Potential tax benefits on dividends
  • Growing demand for insurance products
  • Strong brand reputation in India
Risks ⚠️
  • Market volatility affecting returns
  • Regulatory changes in insurance sector
  • Interest rate fluctuations impact performance
  • Limited liquidity in fixed maturity plans

Peer Perspective

ICICI Pru FMP-88-1226D-F(H-IDCW) 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(H-IDCW) • Updated: 2025-10-01 06:14:28
  • 10
    Business
    High
    The sector is evolving with a focus on digital transformation, but competition is intense.
  • 10
    Growth
    High
    Revenue and profit growth have shown consistency over the past few years.
  • 10
    Profitability
    High
    ROE and ROCE are healthy, but OCF has some fluctuations.
  • 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.
  • 5
    Drivers
    Good
    Growth drivers are present, but execution risks remain.
  • 2
    Technicals
    Low
    Market sentiment is cautious, with low liquidity.
Final Score & Verdict
Score 68 / 100 • Decent
The stock shows decent potential with consistent growth and profitability metrics, but valuation concerns and market sentiment suggest caution.