One of the oldest and reputed brands of mutual funds in India with a good market presence, strict investment philosophy and variety of schemes is the India ICICI Prudential Mutual Fund. It has been instrumental in creating market-based investments to the households in India, assisting the investors to shift away off the conventional modes of savings such as fixed deposits, gold and real estate. ICICI Prudential Mutual Fund serves investors of all income levels and risk profiles with a long-term wealth creation focus, risk management, and making decisions based on the research.
The fund house has been able to provide solutions to a wide gamut of financial objectives of both first-time SIP investors and institutional investors with experience in the field, which include retirement planning, tax saving, educating their kids and even preserving their capital. ICICI Prudential Mutual Fund will always be a choice of goal-oriented and disciplined investing as the financial ecosystem in India matures in 2026. In this article the complete information about ICICI Prudential Mutual Fund will be explained.
What is ICICI prudential mutual fund?
The brand of the mutual fund that is managed by ICICI Prudential Asset Management Company Limited is ICICI Prudential Mutual Fund. It works through combining funds of several investors and investing in various asset classes such as equities, debt securities, money market and passive indices. The schemes have a set investment goal which tries to balance both the risk and the returns based on the category of the scheme.
The fund house has retail and high net worth (HNI) clients, as well as institutional clients, and it provides both active and passive investment strategies. It has an investment strategy that is focused on long term fundamentals, valuation discipline, and diversification as opposed to short term market timing.
| Particular | Details |
| Mutual Fund Brand | ICICI Prudential Mutual Fund |
| AMC | ICICI Prudential Asset Management Company Ltd |
| Year Started | 1993 |
| Investor Type | Retail, HNI, Institutional |
| Investment Style | Active & Passive |
History and Background
ICICI Prudential started its mutual fund in 1993, and it is one of the oldest mutual fund houses in India. ICICI Bank, which is one of the largest privately owned banks in India, and Prudential Corporation Holdings, which is an international financial services group, co-sponsor it. This is a good parentage that has helped in the credibility and standards of governance of the fund house.
The AMC has over the years spread its influence to include metropolitan cities and has advocated financial inclusion by making use of distributor networks, digital platforms, and investor awareness programs. The long history it has been operating makes it overcome various market cycles such as bull runs, bear runs and economic slowdowns.
| Aspect | Information |
| Founded | 1993 |
| Sponsors | ICICI Bank, Prudential Corporation |
| Industry Experience | 30+ years |
| Market Presence | Pan-India |
Overview
ICICI Prudential Mutual Fund is an asset management organization in India, which operates a large number of mutual funds in both equity, debt, hybrid and passive funds. Mutual funds do not have a single share price as does a listed company. Rather, the investors monitor the performance in terms of Net Asset Value (NAV) that fund managers compute on a daily basis in relation to the value of underlying assets.
ICICI Prudential also has Exchange Traded Funds (ETFs) including the Nifty Infrastructure ETF that trades on the NSE and varies in its prices throughout market hours. On its own, the mentioned branch of the asset management company portrays good business core, as evidenced by good profitability ratios such as high return on equity (ROE) and earnings per share (EPS).
| Aspect | Details |
| Mutual Fund Price Concept | NAV (Net Asset Value) |
| ETF Trading Platform | NSE |
| ETF Price Range (52 weeks) | ₹75 – ₹112 |
| AMC Financial Strength | High ROE & EPS |
ICICI Prudential Mutual Fund Account Login Process
Official ICICI Prudential mutual Fund site enables the investors to view their portfolios. First-time users must create an account with PAN, folio number or cell phone number associated with KYC. Registration is done after verifying OTP by creating a password. Current users have an option to simply log in and review holdings, transaction history, details of their SIPs and make purchases, redemptions or switches online.
| Login Step | Description |
| Registration | PAN / Folio / Mobile |
| Verification | OTP-based |
| Access Features | Portfolio, NAV, SIP, Transactions |
| Platform | Official AMC Website |
Mutual Fund Investment Calculators
ICICI bank platforms and official website offer ICICI Prudential(SIP) and lumpsum calculators. The tools enable the investor to make estimations of how returns are expected to be in future given the amount of investment, the expected duration, and the expected rate of return. They vividly illustrate the advantage of compounding and rupee cost averaging and hence can be applied in the preparation of long term financial objectives.
| Calculator Type | Purpose |
| SIP Calculator | Estimates corpus from monthly investments |
| Lumpsum Calculator | Projects value of one-time investment |
| Key Benefit | Compounding & planning clarity |
Types of Schemes Offered
ICICI Prudential mutual fund is an investment company with a wide variety of schemes that investors can use to achieve various investment goals. It has various options that the investor may select depending on what they want to achieve; aggressive growth, consistent income, tax efficiency or capital protection. This fund house targets management of the risks and diversification of the portfolios in all the classes.
| Scheme Category | Description |
| Equity Funds | Invest mainly in stocks |
| Debt Funds | Invest in bonds & money market instruments |
| Hybrid Funds | Mix of equity and debt |
| Passive Funds | Index funds & ETFs |
| Solution-Oriented Funds | Retirement & children’s funds |
ICICI Prudential Mutual Fund Equity Funds – Detailed Explanation
The majority of the investment the equity funds of ICICI Prudential mutual fund make are in shares of listed Indian companies of various market capitalization. The primary goal will be long term capital gain through corporateCORP growth in earnings and economy.
Even though equity funds may trend up and down in the short run, it has been observed historically that when comparing equity funds with the traditional saving instruments; they perform better over a long period. These funds suits well with long term investment horizons and high risk investments as well as wealth creation or inflation beating returns.
| Equity Fund Type | Focus | Risk Level |
| Large-Cap | Stable large companies | Moderate |
| Mid-Cap | Growing mid-sized firms | High |
| Flexi-Cap | Across market caps | Moderate–High |
| Value / Contra | Undervalued stocks | High |
| Index Funds | Track market indices | Moderate |
Popular ICICI Prudential Equity Funds
ICICI Prudential mutual fund has some equity schemes that are broadly followed by the virtue of their stable investment process, the experience of investment managers and the long run track record. They are generally invested in SIP based investment where the investor averages cost and stays invested with the fluctuation of the market.
| Fund Name | Category | Ideal Horizon |
| ICICI Prudential Bluechip Fund | Large-cap | 5+ years |
| ICICI Prudential Flexicap Fund | Flexi-cap | 5+ years |
| ICICI Prudential Value Discovery Fund | Value | 7+ years |
| ICICI Prudential Nifty Index Fund | Index | 5+ years |
ICICI Prudential Mutual Fund Tax Saving Mutual Funds (ELSS)
People also know Equity Linked Savings Scheme, a tax-saving mutual fund, as Equity Linked Savings Scheme (ELSS). ICICI Prudential ELSS funds are subject to deduction as mentioned in the Section 80C of income tax act, which means that the investor can save taxable income and earn long term wealth at the same time. Such schemes are locked in over three years with the least among all Section 80C options. ELSS plans are Georgia-plan appropriate to salaried individuals or to self-employed professionals who want to obtain the tax efficiency and growth.
| ELSS Feature | Details |
| Tax Benefit | Up to ₹1.5 lakh under Section 80C |
| Lock-in Period | 3 years |
| Asset Allocation | Predominantly equity |
| Suitable For | Salaried & long-term investors |
ICICI Prudential Mutual Fund Debt Funds – Overview
Debt funds make investments in fixed income securities which includes government bonds, corporate bonds, treasury bills and the money market securities. ICICI Prudential Mutual Funds designs its debt schemes to provide consistent and predictable performance with reduced volatility than the equity funds.
Such funds are suitable to conservative investors or retirement plan or even investors intending to immobilize excess cash whether in the short term or the medium term. Sensitivity to interest rate movement and the quality of credit on underlying instruments can however influence the returns.
| Debt Fund Type | Purpose |
| Liquid Funds | Short-term parking |
| Short Duration Funds | 1–3 year horizon |
| Corporate Bond Funds | Higher credit quality |
| Gilt Funds | Government securities |
ICICI Prudential Mutual Fund Hybrid Funds – Balanced Approach
Hybrid funds are an equity and debt combination to stabilize the growth and to adjust stability. The ICICI Prudential mutual fund hybrid schemes are the schemes in which the asset allocation is adjusted according to the conditions in markets and are, therefore, suitable to a potential investor who wants to have controlled exposure to risks. In special, balanced advantage funds are dynamic in managing the balance of equity and debt ratio, which mitigates downside risk in turbulent markets.
| Hybrid Fund Type | Equity–Debt Mix |
| Aggressive Hybrid | Higher equity exposure |
| Balanced Advantage | Dynamic allocation |
| Conservative Hybrid | Higher debt exposure |
ICICI Prudential Mutual Fund NAV vs Returns – Important Difference
One of the general myths that new investors make is to assume that low NAV represents cheap funds and high NAV represents expensive funds. Actually, returns and constancy is rather important than NAV. The creation of wealth has been pegged on percentage growth, time in the market and performance adjusted to the risk.
| Factor | NAV | Returns |
| Indicates | Unit price | Growth |
| Decision Tool | Limited | Crucial |
| Changes | Daily | Over time |
ICICI Prudential Mutual Fund Investment Options – SIP, Lump Sum, SWP, STP
ICICI Prudential Mutual Fund has provided different ways of investing that are flexible to various financial requirements. Disciplined investing associates with SIP, and investors use SWP and STP to utilize cash flows and portfolio rebalancing.
| Option | Purpose |
| SIP | Disciplined long-term investing |
| Lump Sum | One-time investment |
| SWP | Regular income |
| STP | Gradual fund transfer |
Taxation of ICICI Prudential Mutual Fund
There is a variation in taxation depending on funds type and specific holding period. The equity-based funds receive preferential treatment during income taxation in the long term and a debt fund is taxed in terms of income tax.
| Fund Type | Tax Rule |
| Equity / ELSS (>1 year) | LTCG @ 10% (above ₹1 lakh) |
| Equity / ELSS (≤1 year) | STCG @ 15% |
| Debt Funds | As per income tax slab |
Benefits of Investing in ICICI Prudential Mutual Fund
ICICI Prudential Mutual Fund can be distinguished by good brand recognition, fund managers experience, diversification of the product line, and transparency of the working process. Its long-term orientation also renders it appropriate with regard to life cycle goal based investing.
| Benefit | Explanation |
| Brand trust | High credibility |
| Diversified schemes | Options for all goals |
| Professional management | Research-driven |
| Long-term focus | Wealth creation |
Risks to Consider
ICICI Prudential Mutual Fund schemes are like all other market-linked investments prone to risks. Equity funds and debt funds are exposed to market volatility and interest rate and credit risks respectively. The investors are expected to make deployments that match their risk appetite and objectives.
| Risk | Impact |
| Market volatility | NAV fluctuation |
| Interest rate risk | Debt fund returns |
| Credit risk | Bond defaults |
ICICI Prudential Mutual Fund Customer Support Channels
ICICI Prudential Mutual Fund provides various customer care services to its customers. The queries associated with NAV, folio updates, redemptions, or support queries may be sorted out via free call centres, email support, chat, or the online redressal system of grievances.
| Support Mode | Details |
| Toll-Free Number | 1800-222-999 |
| Alternate Number | 020-69037600 |
| Email Support | invest@icicipruamc.com |
| Availability | Weekdays, 8 AM – 7 PM |
Who Should Invest in this Mutual Fund?
ICICI Prudential mutual fund is an appropriate fund to a broad category of investors. To gain investing discipline, beginners can invest in SIPs in the equity, index, or hybrid funds. Long-term investors can apply equity funds to create wealth and pursue future objectives such as retirement or education. Tax savers can use ELSS funds to get Section 80C benefits, and conservative investors can use them to get stability and regular resulting incomes, as a debt or hybrid instrument. One should plan before investing; one should do this through proper goal planning as well as asset allocation.
Conclusion
ICICI Prudential Mutual Fund is a mutual fund company in India that is a reputed and diversified mutual fund. I believe its parentage, variety of schemes as well as its long-term investment strategy would qualify it as a trusted option in 2026. Despite market risks involved in mutual funds investments, investing by a renowned AMC, such as ICICI Prudential Mutual Fund, would enable the investors to remain disciplined and focused towards long term financial objectives.
FAQs
SEBI regulates one of the oldest and most reliable mutual fund houses in India.
Novices have diversified equity funds, index funds or hybrid funds through SIPs.
Yes, one can make investments online using AMC websites or apps or mutual funds.
Yes ELSS funds have a tax advantage as under section 80C and a growth of the equity.
Disclaimer
Investments in mutual funds are vulnerable to the market risks. The returns in the past do not relate to the returns in the future. Before investing, we advise investors to go through all documents that are related to the scheme and seek the advice of a financial advisor.
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