Investment Analysis -ICICI

7/28/2019 Investment Analysis -ICICI

1/17

CHAPTER-IV

DATA ANALYSIS

AND

INTERPRETATION


2/17

ICICI Equity [Shares]

Investment 100000

Brokerage charges 0.12% [@ Buying Share]

Rate of return Subject to Market Returns

ILLUSTRATION Past Performance [10 yrs]

Year Price No Of Shares Growth

Apr-03 130 769 99970

Apr-04 290 769 223010

Apr-05 418 769 321442

Apr-06 615 769 472935

Apr-07 843 769 648267Apr-08 803 769 617507

Apr-09 341 769 262229

Apr-10 972 769 747468

Apr-11 1,104 769 848976

Apr-12 869 769 668261

Apr-13 1,009 769 775921


3/17

Interpretation

For the 10 years ICICI Equity has given an benefit or growth of Rs.6,75,921, which means for 10

years the amount has become 6.75 times more than the investment with an fluctuations .


4/17

ICICI ULIPS

DIFFERENT CHARGES FOR ICICI ULIPS

Sum assured 500000

Annual premium 100000

Premium allocation charges

1-2 Years - 10% + service charges3-4 Years - 5% + service charges

There after 2% + service charges

Policy administrative charges 60 per month + service charges

Other charges 1.46%+service charges

Fund management charges (FMC) 1.5%+service charges

service charges 12.36%

Death benefit Sum assured + growth amount

Rate of return 10%

ICICI ULIPS ILLUSTRATION

Year

Annualpremium

premiumallocationcharges

Amountavailable

forinvestment

policyadmini-strativecharges

othercharges

Amountavailable Growth FMC

Netgrowth

Deathbenefit

1 100000 11236 88764 809 1456 86499 95149 1603 93546 593546

2 100000 11236 88764 809 1456 86499 198050 3337 194713 694713

3 100000 5618 94382 809 1548 92025 315412 5318 310094 810094

4 100000 5618 94382 809 1548 92025 442330 7455 434875 934875

5 100000 2247 97753 809 1603 95341 583238 9830 573408 107340

6 100000 2247 97753 809 1603 95341 735624 12398 723226 1223227 100000 2247 97753 809 1603 95341 900424 15175 885249 138524

8 100000 2247 97753 809 1603 95341 1078649 18180 1060469 156046

9 100000 2247 97753 809 1603 95341 1271391 21427 1249964 174996

10 100000 2247 97753 809 1603 95341 1479836 24942 1454894 195489


5/17

INTRPRETATION:The annual premium amount for ICICI ULIPS is Rs.100000 I,e for 10

years it is 10 lacs. The term period is about 10 years. The premium allocation charges different

from year to year. The service charges are around 12.36% on policy administrative charges,

other charges and FMC. An additional sum of Rs.500000 along with growth is assured in case of

unexpected death. Rate of return is 10%. Growth in ULIPs is 14,54,894 which means it is giving

14.54% return in 10 years.


6/17

ICICI MUTUAL FUND (ICICI prudential tax fund)

DIFFERENT CHARGES FOR ICICI prudential tax fund

Annual premium 100000

Initial charges 2.25%

Fund management charges 2.25%

Rate of return 10%

ICICI PRUDENTIAL TAX FUND ILLUSTRATION

YearAnnualpremium

Initialcharges

Investableamount Growth FMC Net Growth

1 100000 2250 97750 107525 2419 105106

2 100000 2250 97750 223141 5021 218120

3 100000 2250 97750 347458 7818 339640

4 100000 2250 97750 481129 10825 470304

5 100000 2250 97750 624859 14059 610800

6 100000 2250 97750 779404 17537 761867

7 100000 2250 97750 945580 21276 924304

8 100000 2250 97750 1124259 25296 1098963

9 100000 2250 97750 1316385 29619 1286766

10 100000 2250 97750 1522968 34267 1488701


7/17

INTRPRETATION: The annual premium amount for ICICI Prudential tax fund is Rs.

100000. The term period is about 10 years. The Initial charges are 2.25%. The FMC charges are

on the fund amount. Return for 10 yrs is 14,88,701 which indicates 14.88% returns for 10 years


8/17

ICICI GOLD ETF

Gold ETF is started year back

Interpretation

ICICI ETF started last year and the above graph shows that NAV in APR 2012 is 2753

and in APR 2013 it is 2852. I,e 3.53% growth is recorded for the last year.

ALL PRODUCTS RETURNS


9/17

Investment Option Investment Returns

Equity 100000 67.50%

Mutual Funds 100000 annually 14.54%

ULIPs 100000 annually 14.88%

ETF 100000 3.53%

Findings of the study:


10/17

For the present study,Equity, Mutual Funds, ULIPS and ETF of ICICI were taken and a analysis

was made. The following were the findings of the study.

1. Equity

Past performance have shown that ICICI Share has giving good returns

In India Banking shares are performing well due to the reforms taken by RBI &

Govt.

Inspite of Risk in equity ICICI in last 10 years the performance is good with very

small fluctuations[ups and downs]

Analysis also shown that in equity the charges are very less compared to other

products.

2. Mutual Funds

Mutual funds are less risky and it gives nominal returns to the investor.

From the analysis it shows that for the 10 yrs investment annually it is giving

only 14.88%.

Compared to equity charges are more in mutual funds.

3. ULIPs


11/17

ULIPs are best competitive product for Mutual Funds.

ULIPs are the combination of both investment and insurance cover for the

investor.

In ULIPs only small portion of the investment/premium goes for investing by the

companies.

Charges are very high compared to all the products

Returns[Maturity benefit] are less compared to Mutual Funds, but at the time of

death benefit returns are more.

4. ETF

Normally precious metals like gold is traded like mutual funds for investors

returns.

ETF are same as Mutual Funds in all means

Here performance of the fund depends upon both the Gold and equity market.


12/17

CHATER-VI

SUGGESTIONS


13/17

Suggestions of the study

1. In case the investor is planning to invest for a short time period, he is advised to go for

mutual funds.

2. In case investor is planning for both uncertainty and growth it is safe to invest in ULIPS

3. In case of equity and ETF investor should be an risk taker, but if investor planning for an

long time investment then it is most advisable.

4. Investor is advised to divide his total investment and then he should plan for the

investments.

From the above analysis, if investor wants to invest 100000 of rupees every year as an

investment. He is suggested to divide his investment as follows.

Equity -- 25% bcos it is risky and long term investment.

ULIPs--- 35% bcos it covers insurance and growth

Mutual funds30% bcos it is less risky and returns are good and it is short term plan.

ETF10% bcos its a new product and past performance is not available and its

performance also depends on both equity and gold markets.


14/17

CHAPTER-VII

CONCLUSIONS


15/17

CONCLUSIONS

Any rational investor, before investing his or her investible wealth in the stock, analyses the risk

associated with the particular stock. The actual return he receives from a stock may vary from

his expected return and the risk is expressed in terms of variability of return. Investors in general

would like to analyze the risk helps him to plan his portfolio in such a manner so as to minimize

the risk associated with the investment.


16/17

BIBLIOGRAPHY

BIBLIOGRAPHY

Magazines, journals and books

Principles and Practices of Insurance - M.N.Mishra

Life insurance (IC-33)

IRDA journals

The Insurance Chronicles 2008-2009.


17/17

Websites

@ www.iciciprulife.com

@ www.wikipedia.com

@ www.insuranceindustry.com

@ www.google.com

@ www.answers.com

@ www.insurance.com

@www.moneycontrol.com

@ www.icici.com
http://www.insurance.com/http://www.insurance.com/

Investment Analysis -ICICI

Documents

Transcript of Investment Analysis -ICICI