ICICI Prudential Regular Savings Fund

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Value Research Rating

4 star

Analyst’s Choice

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Riskometer

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Moderately High

₹66.0737 -0.20%

As on 28-Feb-2024

Returns

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Calculate SIP Returns of ICICI Prudential Regular Savings Fund

Upfront Investment

Monthly SIP Amount

Investment Duration

years

Risk info

This fund has Moderately High risk.

low
Low to Moderate
Moderate
Moderately High
High
Very High

As per SEBI's Riskometer.

Portfolio of ICICI Prudential Regular Savings Fund

Asset Allocation

Split between different types of investments

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Market Cap Weightage

Split between categories of Equity investments

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Peer Comparison

Other details of ICICI Prudential Regular Savings Fund

Assets info

₹3,381 Cr

Exit Load (Days) info

1.00 (365)

Min. Investment (₹)

5,000

Min. Withdrawal (₹)

1

Min. SIP Investment (₹)

100

Min. No of Cheques

6

Investment Strategy

The scheme seeks to generate long-term capital appreciation by investments in money market and debt instruments.

Suitability

"Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year."

Taxation

Capital Gains Taxation

  • If investment is made on or after 1 April 2023: Entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • If investment is made before 1 April 2023:
    • Sold within 3 years from the date of investment: Gains are added to the investors' income and taxed according to the applicable slab rate.
    • Sold after 3 years from the date of investment: Gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • No tax is to be paid as long as you continue to hold the units.

Dividend Taxation

  • 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.

FAQ for ICICI Prudential Regular Savings Fund

ICICI Prudential Regular Savings Fund invests 75-90 per cent of its assets in bonds and the remaining 10-25 per cent in equity stocks.

Mutual funds can be bought directly from the website of the fund house. For instance, ICICI Prudential Regular Savings Fund fund can be purchased from the website of ICICI Prudential Mutual Fund. You can also buy mutual funds through platforms like MF Central, MF Utility, among others. However, if you are not comfortable buying mutual funds online, you can seek help of a mutual fund distributor. Most banks also act as mutual fund distributors. So you can connect with your bank for assistance.

The NAV of ICICI Prudential Regular Savings Fund is ₹66.0737 as of 29-Feb-2024.

The AUM of ICICI Prudential Regular Savings Fund Fund is ₹3,381 Cr as of 31-Jan-2024

The riskometer level of ICICI Prudential Regular Savings Fund is Moderately High. See More

Company Percentage of Portfolio

GOI Sec 4.45 30/10/2034

10.53

GOI Sec 7.18 14/08/2033

6.72

GOI Sec 7.26 06/02/2033

4.59

Small Industries Devp. Bank of India Ltd CP 350-D 15/03/2024

4.40

GOI Sec 7.38 20/06/2027

3.44
See More

As of 31-Jan-2024, ICICI Prudential Regular Savings Fund had invested 68.23% in Debt, 23.7% in Equity, 7.46% in Cash & Cash Eq. and 0.61% in Real Estate See More

ICICI Prudential Regular Savings Fund is 19 years 11 months old. It has delivered 9.94% returns since inception. See More

1Y
3Y
5Y
7Y
10Y
Since Inception
14.19%
9.11%
9.70%
9.16%
10.61%
9.94%

No, There is no lock in period in ICICI Prudential Regular Savings Fund.

The expense ratio of ICICI Prudential Regular Savings Fund is 1.71.

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