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ICICI Prudential Monthly Income Plan

Investing has always meant seeking a stable, regular return. Although there are those who
would sway towards leveraging the benefits of equity investing, several investors are focused
on conservative growth and regular income.


However, inflation tends to impact conservative returns, so a limited exposure to equity has
the potential to add a spark to your returns, while treading along cautiously.


ICICI Prudential Monthly Income Plan (MIP), (Monthly Income is not assured and is subject to
availability of distributable surplus), an open-ended fund, is designed to be a low risk income-
generating product for an investor who likes to earn the short term debt market return
enhanced by a small equity component that does not significantly add to the risk of the
portfolio.
Investment Philosophy
This conservatively managed fund invests predominantly in debt securities with the view of generating regular
income. To this basic portfolio, it adds on a very limited equity exposure to a maximum of 15%, such that the risk-
adjusted returns have potential to be enhanced. The intent is to provide the benefit of equity returns, without
adding on significant risk. The fund aims to manage interest rate risks and credit risks by investing in high quality
debt instruments & also has the ability to be dynamically managed to alter asset allocation, depending on the
equity / debt market scenario.
Investor Profile
This fund is ideal for -
Investors focused on earning income and seeking limited growth without too much risk.
Investors willing to take on limited equity exposure.
Investors concerned about the interest rate risks in pure debt funds.
Key Benefits
A core portfolio invested in debt provides stability to the investment.
Limited exposure to equity has the potential to spike up the returns generated from the basic debt portfolio
& provides an opportunity to earn better risk-adjusted returns
The fund has the track record of uninterrupted monthly dividends since inception.
Key Features
Type
Open-ended Fund
Plans
Regular & Direct
Options
Growth and Dividend
Default Option
Growth
Application Amount
Rs.5000 (plus in multiples of Rs.1)
Min. Additional Investment
Rs.1000 (plus in multiples of Re.1)
Entry Load
Nil.
Exit Load
(a) If the amount, sought to be redeemed or switched out, is invested for a period of upto 1 year from the date of
allotment 1%; (b) If the amount, sought to be redeemed or switched out, is invested for a period more than 1year
from the date of allotment - Nil.
Redemption Cheques Issued
Generally Within 3 business day for Specified RBI locations and additional 3 Business Days for Non-RBI
locations.
Minimum Redemption Amt.
Rs.500 (plus in multiples of Re.1)
Systematic Investment Plan
Dividend & AEP Option - Monthly and Cumulative (without AEP) Option - Monthly: Min Rs.1000 + 5 post - dtd
cheques for a minimum of Rs.1000 each Quarterly: Minimum Rs. 5000 + 4 post - dated cheques of Rs. 5000
each. Exit Load: (w.e.f. 01-10-09): (a) If the amount, sought to be redeemed or switched out, is invested for a
period of upto 1 year from the date of allotment 1%; (b) If the amount, sought to be redeemed or switched out,
is invested for a period more than 1year from the date of allotment - Nil.
Systematic Withdrawal Plan
Minimum of Rs.500 and multiples of Re1/-
Schemes Latest NAV (Rs.)
ICICI Prudential MIP - Direct Plan - Dividend Half Yearly 12.5097 (09 Apr 2013)
ICICI Prudential MIP - Direct Plan - Dividend Monthly 11.7387 (09 Apr 2013)
ICICI Prudential MIP - Direct Plan - Dividend Quarterly 12.6819 (09 Apr 2013)
ICICI Prudential MIP - Direct Plan Growth 30.0027 (09 Apr 2013)
ICICI Prudential MIP - Regular Plan - Dividend Half Yearly 12.5028 (09 Apr 2013)
ICICI Prudential MIP - Regular Plan - Dividend Monthly 11.6898 (09 Apr 2013)
ICICI Prudential MIP - Regular Plan - Dividend Quarterly 12.5327 (09 Apr 2013)
ICICI Prudential MIP - Regular Plan - Growth 29.9428 (09 Apr 2013)
Fund Manager
Equity: Rajat Chandak
Debt: Avnish Jain








ICICI Prudential Balanced Fund
Asset allocation is the key to investing success as it helps you reduce the volatility of returns.
By investing in equity for capital appreciation and debt for stable returns, you can reduce
instability of returns by increasing / decreasing exposure to various markets, based on in-
depth research and analysis.


ICICI Prudential Balanced Fund, an open-ended balanced fund, does just that. It takes care of
this asset allocation by constantly investigating market outlook and performance and
accordingly by increasing / decreasing equity exposure based on the market outlook and
using a core debt portfolio to do the rebalancing.
Investment Philosophy
This fund seeks to optimize the risk-adjusted return by distributing assets between both equity and debt markets.
In bullish markets equity allocation can go upto 80%. In bearish markets equity allocation can go down to 65%.
This dynamic allocation along with core debt portfolio reduces the volatility of return
Investor Profile
This Plan is ideal for -
Investors seeking exposure to both equity and debt markets through one fund
Investors considering reasonable returns with and lower risk through diversification.
Key Benefits
Provides the twin benefits of growth from equity markets and steady income from debt markets.
Lower volatility of returns and lower risk through diversification.
Key Features
Type
Open ended Balanced Fund
Plans
Regular & Direct
Options
Growth and Dividend
Default Option
Growth
Application Amount
Rs.5000 (plus in multiples of Rs.1)
Min. Additional Investment
Rs.1000 (plus in multiples of Re.1)
Entry Load
Nil.
Exit Load
(w.e.f. 24-05-12): (a) If the amount, sought to be redeemed/switched out within a period of 15 Months from the
date of allotment, an exit load of 1% of the applicable Net Asset Value shall be charged.
(b) If the amount, sought to be redeemed or switched out, is invested for a period of more than 15 Months from
the date of allotment - Nil.
Redemption Cheques Issued
Generally Within 3 business day for Specified RBI locations and additional 3 Business Days for Non-RBI
locations.
Minimum Redemption Amt.
Rs.500 (plus in multiples of Re.1)
Systematic Investment Plan
Monthly: Minimum Rs.1,000 + 5 post - dated cheques for a minimum of Rs.1,000 each Quarterly: Minimum Rs.
5000 + 3 post - dated cheques of Rs. 5000 each.
Systematic Withdrawal Plan
Minimum of Rs.500/- and Multiples thereof
Schemes Latest NAV (Rs.)
ICICI Prudential Balanced Fund - Direct Plan - Dividend 16.22 (09 Apr 2013)
ICICI Prudential Balanced Fund - Direct Plan - Growth 53.50 (09 Apr 2013)
ICICI Prudential Balanced Fund - Regular Plan - Dividend 16.19 (09 Apr 2013)
ICICI Prudential Balanced Fund - Regular Plan - Growth 53.38 (09 Apr 2013)
Fund Manager
Equity - Yogesh Bhatt - He has overall 20 years of experience in Fund Management.
Debt - Avnish Jain - Overall 12 years experience in managing the fixed income investment.