About Company
ICICI Prudential AMC Ltd.
Icici Prudential is a major asset management company in the country, focusing on bridging the gap between saving and investing and building long-term wealth for investors through a variety of easy and relevant investment solutions. The AMC is a joint venture between ICICI Bank and Prudential plc, one of the major financial services companies in the United Kingdom.
Fund Snapshot
| Feature | Details |
| Strategy Name | Liquid Strategy |
| Investment Objective | To provide reasonable returns with low risk and high liquidity. |
| Benchmark | CRISIL Liquid Debt A-I Index |
| Minimum Investment | ₹50 Lakh (as per SEBI PMS guidelines) |
| Inception Date | November 1, 2005 |
| Fund Managers | Darshil Dedhia, Nikhil Kabra |
| Average Maturity | ~61 Days |
| Asset Under Management | ~₹54,639 Cr (Total Liquid Assets) |
| 1-Year Returns | ~6.17% (Benchmark: ~6.09%) |
| Risk Profile | Low to Moderate |
Investment Philosophy
ICICI Prudential AMC follows a disciplined, research-driven investment approach focused on delivering consistent, risk-adjusted returns across market cycles:
- Focus on Risk-Adjusted Returns Core objective is to generate superior returns while managing downside risks across varying market conditions.
- Blend of Quantitative & Qualitative Research Investment decisions are driven by a mix of financial analysis, macro insights, and evaluation of management quality and governance standards.
- Asset Allocation & Diversification Strong emphasis on diversified portfolios across equity, debt, and hybrid strategies to balance growth and stability.
- Fixed Income Discipline Debt investments prioritize safety, liquidity, and optimal returns, ensuring capital protection alongside yield generation.
- Robust Risk Management Framework Independent risk oversight, continuous monitoring, and proactive measures help safeguard investor interests and manage volatility.
- Long-Term Investing Approach Encourages disciplined investing through SIPs and long-term holding to benefit from compounding and market cycles.
- Investor-Centric Strategy Product innovation and portfolio positioning are aligned with evolving investor needs, risk appetites, and market opportunities.
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The strategy focuses on generating optimal returns by investing in high-quality debt and money market instruments with a maturity of up to 91 days. The goal is to ensure that the principal remains relatively stable while providing investors with the flexibility to withdraw their funds on short notice.
Unlike equity strategies that seek aggressive capital appreciation by investing in stocks, the Liquid Strategy invests in fixed-income securities like Treasury Bills, Certificates of Deposit (CDs), and Commercial Papers. It is designed for capital protection and liquidity rather than high-growth wealth creation.
Yes, but they are generally structured for very short durations. Following SEBI's tiered exit load structure for liquid funds, redemptions typically carry a small fee if withdrawn within 7 days (ranging from approximately 0.0070% for day 1 to 0.0045% for day 6). There is generally no exit load for redemptions made after the 7th day.
The portfolio is constructed using highly-rated instruments (A1+ and Sovereign). Typical holdings include Government of India Treasury Bills, and instruments from high-credit institutions such as NABARD, SIDBI, HDFC Bank, and Axis Bank. This ensures a high level of safety and credit quality.
This strategy is suitable for institutional or high-net-worth investors who have large sums of cash they wish to park for a short duration (from a few days to a few months). It is also used by investors who want to systematically transfer funds into equity PMS strategies over time through a Systematic Transfer Plan (STP).
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