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ICICI Prudential Savings Fund download report

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Debt: Low Duration

Analysts' Choiceunlock it

1 Lakh

Investment Grown to
₹ 1.03 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.21 Lakh

Suitability:

"Low Duration debt funds invest in bonds maturing in six months to a year. They aim to earn slightly better returns than what you can get from a bank account or a short duration fixed deposit. The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital. Retail investors can avoid these funds altogether. Here's why. Debt funds are very finely classified depending upon the maturity of the bonds they invest in. For instance, there's a different category of funds that invests in bonds of up to three months maturity, from the one that invests in bonds maturing in three to six months, and so on. We believe that such a nuanced classification adds little value to retail investors. They can avoid this complexity and simply invest the money they don't need for up to a year in a Liquid fund."

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
ICICI Pru Savings-G 1.33 0.06 0.01 0.48 0.49 1.01 2.68 5.57 6.34 6.99 7.71
CCIL T Bill Liquidity Weight 1.19 -0.02 0.07 0.20 0.64 1.04 1.99 2.59 3.27 3.63 4.21
Debt: Low Duration 1.88 0.04 0.06 0.38 1.12 1.58 3.72 5.23 5.31 6.08 6.95
Rank within category 22 1 21 1 22 22 22 5 1 1 1
Number of funds in category 22 22 22 22 22 22 22 22 22 21 18

As on 08-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
ICICI Prudential Savings Fund  | Invest Now
3 star
 Sep-02 2.68 5.57 6.34 0.52 22,283
Aditya Birla Sun Life Low Duration Fund  | Invest Online
4 star
 May-98 3.32 5.35 6.09 1.21 11,978
Nippon India Low Duration Fund  | Invest Online
4 star
 Mar-07 3.44 5.57 5.97 1.04 7,657
Axis Treasury Advantage Fund
4 star
 Oct-09 3.50 5.35 6.29 0.61 5,352
DSP Low Duration Fund - Regular Plan
4 star
 Mar-15 3.31 5.41 6.04 0.63 3,146

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 5.17 23-Feb-2003 - 02-Mar-2003 -4.62 05-Feb-2003 - 12-Feb-2003
Month 5.03 10-Mar-2003 - 09-Apr-2003 -6.84 14-Jan-2003 - 13-Feb-2003
Quarter 8.98 23-Oct-2002 - 22-Jan-2003 -2.04 12-May-2004 - 11-Aug-2004
Year 18.84 16-Oct-2002 - 16-Oct-2003 -0.80 16-Oct-2003 - 15-Oct-2004

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
ICICI Pru Savings-G 5.51 1.29 1.57 3.02 0.90 2.83
CCIL T Bill Liquidity Weight 2.60 0.34 -2.61 -4.87 -- --
Debt: Low Duration 5.22 2.12 1.27 2.91 0.72 2.37
Rank within category 4 15 9 12 9 12
Number of funds in category 22 22 22 22 22 22

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Jul-2022

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 120 157 94 53
Modified Duration (yrs) 0.67 1.10 0.67 --
Average Maturity (yrs) 5.96 6.16 3.68 --
Yield to Maturity (%) 6.12 6.12 4.48 --
Avg Credit Rating AAA -- -- --

Value Research Fund Style*

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 19.92 - 33.09 30.97
down GOI 2028 GOI Securities SOV 0.00 - 10.77 9.65
new 6.69% GOI 27/06/2024 GOI Securities SOV 0.00 - 4.92 4.92
equal 7.99% State Bank of India Additional Tier 2 Bond AAA 2.79 - 4.32 4.17
equal 4.45% GOI 30/10/2034 GOI Securities SOV 0.00 - 3.99 3.85
new Indian Bank 2023 Certificate of Deposit A1+ 0.00 - 3.28 3.28
down Reserve Bank of India 182-D 08/09/2022 Treasury Bills SOV 0.00 - 3.47 2.88
new Indian Bank 2022 Certificate of Deposit A1+ 0.00 - 2.24 2.24
equal HSBC 30/10/2023 Interest Rate Swap -- 0.00 - 2.33 2.24
equal IDFC First Bank 2022 Certificate of Deposit A1+ 0.00 - 2.31 2.23
equal 8.95% Pipeline Infrastructure 22/03/2024 Non Convertible Debenture AAA 1.41 - 2.18 2.10
equal IDFC First Bank 2023 Interest Rate Swap -- 0.00 - 1.70 1.64
equal 6.79% GOI 15/05/2027 GOI Securities SOV 1.29 - 2.06 1.29
equal 7.20% Sikka Ports and Terminals 16/06/2023 Zero Coupon Bonds AAA 0.82 - 1.29 1.24
down 6.51% GOI 2024 GOI Securities SOV 1.22 - 8.38 1.22
new Canara Bank 17/01/2023 Certificate of Deposit A1+ 0.00 - 1.09 1.09
new HDFC Bank 13/04/2023 Certificate of Deposit A1+ 0.00 - 1.07 1.07
equal Bahadur Chand Investments 2024 Zero Coupon Bonds AA 0.65 - 1.05 1.01
equal 9.06% Cholamandalam Investment & Finance Company 2023 Non Convertible Debenture AA+ 0.61 - 0.95 0.91
equal 6.40% Embassy Office Parks REIT 15/02/2024 Debenture AAA 0.58 - 0.92 0.89
equal HDFC Bank 2023 Certificate of Deposit A1+ 0.00 - 0.90 0.87
up 6.54% GOI 17/01/2032 GOI Securities SOV 0.00 - 1.56 0.83
equal 8.20% GOI 24/09/2025 Central Government Loan SOV 0.55 - 0.85 0.82
equal Cholamandalam Investment & Finance Company 30/07/2024 Non Convertible Debenture AA+ 0.44 - 0.73 0.70
equal Tata Teleservices (Mah) 364-D 10/03/2023 Commercial Paper A1+ 0.00 - 0.71 0.69

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Jul-2022

*As on 30-Jun-2022

Fund Manager

— Rahul Goswami since 17-Sep-2012

Education: Mr. Goswami is a B. Sc (Mathematics and MBA (Finance)

Experience: Prior to joining ICICI Prudential AMC he has worked with UTI Bank Ltd. and Franklin Templeton Asset Management Pvt. Ltd.

Funds Managed:

— Rohan Maru since 16-Sep-2013

Education: Mr. Maru is M.Com and MBA in Finance.

Experience: Prior to joining ICICI Prudential Mutual Fund, he has worked with Kotak Mahindra AMC as Fixed Income Dealer and Integreon Managed Solutions as a Research Associate.

Funds Managed:

Invest Now
0.06%

Change from previous, NAV as on 08-Aug-2022

Growth: ₹ 435.6764

IDCW Weekly: ₹ 105.4328

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IDCW Quarterly: ₹ 105.8819

IDCW Others: ₹ 153.4123

IDCW Monthly: ₹ 101.6720

IDCW Fortnightly: ₹ 101.6901

IDCW Daily: ₹ 105.7358

Investment Strategy

The scheme seeks to generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity.

Investment Details

Min. Investment (₹) 100
Min. Addl Investment (₹) 100
Min. SIP Investment (₹) 100
Min. No of Cheques 6
Min. Withdrawal (₹) 100
Min. Balance (₹) --
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: ICICI Prudential Mutual Fund
Launch Date: 27-Sep-2002
Return Since Launch: 7.69%
Benchmark: CRISIL Low Duration Fund BI Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 22,283 Cr (As on 31-Jul-2022)
Expense Ratio: 0.52% (As on 30-Jun-2022)
Risk Grade: Above Average
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily08-Aug-20220.0018

 03-Aug-20220.0139
 01-Aug-20220.0234
 28-Jul-20220.1146
 27-Jul-20220.0039
 25-Jul-20220.0359
 22-Jul-20220.0037
 20-Jul-20220.0247
 18-Jul-20220.0258
 15-Jul-20220.0122
 14-Jul-20220.0333
 02-May-20220.0382
 29-Apr-20220.0056
 26-Apr-20220.0379
 25-Apr-20220.0707
 22-Apr-20220.0331
 18-Apr-20220.0605
 06-Apr-20220.0024
 05-Apr-20220.0212
 31-Mar-20220.0989
 30-Mar-20220.0589
 29-Mar-20220.0191
 28-Mar-20220.0250
 25-Mar-20220.0506
 24-Mar-20220.0326
IDCW Weekly08-Aug-20220.0156

 01-Aug-20220.1416
 25-Jul-20220.0641
 18-Jul-20220.0711
 02-May-20220.0816
 25-Apr-20220.1036
 18-Apr-20220.0780
 11-Apr-20220.0087
 04-Apr-20220.1735
 28-Mar-20220.2097
 21-Mar-20220.0290
 14-Feb-20220.0456
 31-Jan-20220.1150
 24-Jan-20220.1331
 17-Jan-20220.0884
 13-Dec-20210.0109
 06-Dec-20210.0330
 22-Nov-20210.0798
 15-Nov-20210.0903
 25-Oct-20210.0708
 18-Oct-20210.0320
 11-Oct-20210.1048
 04-Oct-20210.1695
 27-Sep-20210.0363
 20-Sep-20210.1092
IDCW Fortnightly29-Jul-20220.1820

 15-Jul-20220.0806
 29-Apr-20220.2518
 13-Apr-20220.0662
 30-Mar-20220.3406
 15-Feb-20220.0925
 28-Jan-20220.1697
 14-Jan-20220.0525
 15-Dec-20210.0763
 30-Nov-20210.0614
 15-Nov-20210.1711
 29-Oct-20210.0339
 14-Oct-20210.1399
 30-Sep-20210.2181
 15-Sep-20210.1848
 30-Aug-20210.3623
 13-Aug-20210.3161
 30-Jul-20210.2902
 15-Jul-20210.1844
 30-Jun-20210.1979
 15-Jun-20210.2688
 28-May-20210.2699
 14-May-20210.2074
 30-Apr-20210.3155
 15-Apr-20210.0560
IDCW Monthly29-Jul-20220.2627

 29-Apr-20220.2226
 31-Mar-20220.4444
 31-Jan-20220.3553
 31-Dec-20210.0272
 30-Nov-20210.2325
 29-Oct-20210.1738
 30-Sep-20210.3842
 31-Aug-20210.6986
 30-Jul-20210.4751
 30-Jun-20210.4732
 31-May-20210.4719
 30-Apr-20210.4281
 31-Mar-20210.0729
 26-Feb-20210.1412
 29-Jan-20210.2149
 30-Dec-20200.6244
 27-Nov-20200.7308
 29-Oct-20200.7309
 30-Sep-20200.5841
 28-Aug-20200.2884
 30-Jul-20200.6478
 30-Jun-20201.1483
 29-May-20201.6689
 30-Apr-20200.2088
IDCW Quarterly22-Jun-20220.1853

 28-Mar-20220.5098
 23-Dec-20210.7104
 23-Sep-20211.4425
 24-Jun-20211.1804
 25-Mar-20210.1917
 28-Dec-20202.1215
 21-Sep-20201.6743
 26-Jun-20204.3735
 26-Mar-20200.0888
 26-Dec-20191.4313
 27-Sep-20191.6977
 27-Jun-20191.5186
 28-Mar-20191.4403
 28-Dec-20181.5221
 27-Sep-20181.1990
 27-Jun-20180.9431
 27-Mar-20181.1602
 27-Dec-20170.9527
 27-Sep-20171.2681
 30-Jun-20171.3243
 31-Mar-20171.2999
 29-Dec-20161.4069
 29-Sep-20161.6796
 29-Jun-20161.6398
IDCW Others16-Mar-20226.3000

 24-Mar-202113.6708
 24-Sep-20142.4030

Contact Information

AMC: ICICI Prudential Asset Management Company Ltd

Address: One BKC , A Wing , 13th Floor, Bandra Kurla Complex, Mumbai - 400051

Fax: 022-26528100

Website: http://www.icicipruamc.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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