ICICI Prudential Mutual Funds - A complete guide to 2025
One of the best asset management companies in India is ICICI Prudential Mutual Fund. This fund house, which was a joint venture between ICICI Bank and Prudential Plc, was established in the year 1993 and it has earned a reputation of reliability and consistency in performance. By 2025, ICICI Prudential Mutual Fund is managing a broad portfolio of investment products that meets the interests of various investors- equity and debt as well as hybrid and themed funds.
ICICI Prudential Mutual Funds provide solutions that suit the different risk appetite and financial objectives of both experienced and novice investors. Its good track record, veteran fund managers, and large distribution network make it a favorite among the Indian investors.
Did you know?
ICICI Prudential became the first Indian AMC to give a balanced advantage fund and this was a first in the Indian asset allocation.
People also ask:
Is ICICI Prudential Mutual Fund a good investment starting point?
Yes, it is with different schemes and open procedures, and it is suitable to beginners who wish guided investment options.
So What Are The Main Characteristics of ICICI Prudential Mutual Funds?
Investors tend to seek some features when deciding to investigate mutual funds in India over a period of 2025. This is the difference between ICICI Prudential Mutual Fund and others:
- Various Categorization of Schemes: Starting with large cap, mid cap and small cap equity funds, liquid, short term, income and hybrid funds.
- Dynamic Asset Allocation: Flagship balanced advantage funds actively change their equity and debt to achieve superior risk-adjusted returns.
- Professionals with good track records in the market cycles.
- Digital Access: Smooth supply chain online investments through web, app, and online aggregators.
- Open Processes: Frequent disclosure, complete transparency around a portfolio and portfolio health check tools.
- Lumpsum investment facilities and Systematic Investment Plan SIP are available.
- Such tax saving schemes as Equity Linked Savings Scheme ELSS on 80C tax benefit.
- Education and support of investors through webinars, blogs and helplines.
- CRA agencies rated highly on risk management and compliance.
- The ability to change schemes depending on market situation and individual objectives.
Expert Insight:
Industry observers claim that Balanced Advantage category with ICICI Prudential is a category that allows investors to strike a balance between growth and safety, particularly at volatile times.
What Are The Most 2025 ICICI Prudential Mutual Fund Popular Schemes?
ICICI Prudential has some of the best performing plans. Mutual fund schemes that are popular are:
Equity Funds:
- ICICI prudential bluechip fund: Concentrate on large companies with a steady position.
- ICICI Prudential Technology Fund: Funds in new age technology companies.
- ICICI Prudential ESG Fund: Pay attention to the companies that are well-regarded with ESG.
Debt Funds:
- ICICI Prudential Short term fund: Strives to earn a steady income through quality bonds.
- ICICI Prudential Corporate Bond Fund: It holds AAA rated corporate papers.
- ICICI Prudential Liquid Fund: This is used as a short term parking of money that is liquid.
Hybrid Funds:
- ICICI Prudential Balanced Advantage Fund: Active investment in equity and debt.
- ICICI Prudential Equity and Debt Fund: Moderate risk: Static mix of equity and bonds.
Other Notable Options:
- ICICI Prudential ELSS Tax Saver: Used popularly as a means of saving tax and long term wealth creation.
- ICICI Prudential Multi Asset Fund: Invests in equity, debt, gold and global assets.
People also ask:
Which is the most appropriate ICICI Prudential Mutual Fund?
It is a question of your risk profile, and financial objective- the Balanced Advantage Fund is a favourite all-weather fund.
Did you know?
ICICI Prudential was one of the first to launch international funds which have allowed Indian investors to diversify internationally.
What Are the advantages and disadvantages of ICICI Prudential mutual funds?
Each mutual fund company has its advantages and disadvantages. The following are the key advantages and disadvantages of ICICI Prudential to investors in 2025:
Pros:
- Good track record in numerous flagship funds.
- Broad selection of funds such as international exposure.
- Respected, long and seasoned management team.
- Convenient online account-tracking and transaction services.
- Systematic investment and withdrawal plan option.
- Frequent exchange of portfolio and market views.
- Publicity in reporting and NAV changes.
Cons:
- Certain funds might possess than average expense ratios.
- The past performance might not be a predictive of future results because of unpredictability of the market.
- Holding overlap of similar category schemes may occur, unintentionally.
- In small and midcap, some funds might be of higher AUM that will result in moderate agility.
Expert Insight:
It can be dangerous to pick up funds basing only on the recent returns. Financial advisors suggest evaluation of standard deviation, Sharpe ratio and consistency in a period of five years during shortlisting of funds.
Which is better between ICICI Prudential Mutual Funds and HDFC Mutual Fund?
| Error | ICICI Prudential MF | HDFC MF |
|---|---|---|
| Year of Establishment | 1993 | 2000 |
| No of Schemes (2025) | 128 | 119 |
| AUM (as of April 2025, Rs crore) | 6,73,500 | 5,92,900 |
| Bluechip Fund | Flexi Cap Fund | Flagship Equity Fund. |
| Popular Balanced Fund | Balanced Advantage | Hybrid Equity. |
| International Exposure | Yes, through feeder | Minor. |
| Digital Platform | Advanced | Advanced. |
| Expense Ratio (average on equity) | 1.18 percent | 1.24 percent |
| Direct and regular options are available | Both | Both. |
| Investor Education Initiative | Good | Extensive. |
People also ask:
Better between ICICI Prudential and HDFC Mutual Funds?
Both have unique features. ICICI Prudential is preferred because of its dynamic allocation of assets, HDFC because of its value orientation approaches. The evaluation will be based on individual preferences and category of fund.
Did you know?
Among the limited Indian AMCs, the ICICI Prudential has more than 6 trillion assets under its management in 2025.
How Do You Invest In ICICI Prudential Mutual Funds?
By 2025, quick and paperless investing in the ICICI Prudential Mutual Fund is easy. Here’s how you can start:
- Go to the ICICI Prudential Mutual Fund web site or open the mobile application.
- Full KYC on Aadhaar and PAN.
- Choose scheme according to your risk profile, equity to grow, debt to be stable and the hybrid scheme to be balanced.
- Select mode of investment: SIP as a regular investor or lump sum as a one time investment.
- Complete bank information and pay via UPI, debit or net banking.
- Get immediate account registration and portfolio manager.
You may invest as well through big online mutual fund platforms, banks or through registered agents.
Expert Insight:
Direct plans (no distributor commission) can also be a good choice to increase long term returns because of reduced expense ratios.
What Is The Minimum and Maximum SIP amount in the ICICI Prudential Mutual Funds?
ICICI Prudential is flexible to all budgets:
- The minimum amount of SIP is as low as Rs 100 per month in some funds.
- There is no maximum limit on SIP value, however, they may be limited by scheme specifications.
- The minimum amount to invest in lumpsum investments is 500 or 1000 to most equity funds.
This will allow all; students, salaried professionals, NRIs, retirees to begin small and steadily build up investments.
People also ask:
In ICICI Prudential Mutual Fund, can I switch or discontinue my SIP any time?
Yes, you are free to pause, make or cancel your SIP through the Internet.
Why invest to ICICI Prudential Mutual Funds To save tax?
Investors, who want tax advantages on income taxes, may consider ELSS Tax Saver fund of ICICI Prudential:
Key Highlights:
- Claims a maximum deduction of up to Rs 1.5 lakh on section 80C.
- Has a 3 year mandatory lockin the lowest amongst tax saving instruments.
- Backed by greater potential long term returns than the conventional tax savers such as PPF or FD.
- No entry or exit load.
- The fund has a low profile of investing in equities and both lump sum and SIP.
Experts say
Investment diversification will help you get better market opportunities and smooth out purchase prices by allocating your investment in every month through SIP in tax saving funds.
What Are The Newest Trends and developments at ICICI Prudential in 2025?
ICICI Prudential Mutual Fund stays ahead in 2025 with new steps:
- Thematically launched funds in renewable energy, AI and data science and India digital economy.
- cutting-edge robo advisory system on personalised financial advice.
- Improved ESG tracking of standard scheme portfolios.
- Priority Tools to Real Time Portfolio Stress Testing.
- Collaboration with the fintech applications in the instant KYC and SIP management.
- Currency hedging and investing all over the world webinars to retail investors.
People also ask:
What is the way I will monitor my investments in ICICI Prudential Mutual Fund?
Use their official portal or application, which provides daily NAV updates, performance analytics and is able to download statements.
Did you know?
In 2024, ICICI Prudential became the winner of the award “India’s Digital Fund House” due to a pleasant customer experience.
What is the way that ICICI Prudential keeps investors safe and compliant?
Safety is a very important issue in a rapidly evolving financial environment. ICICI Prudential follows:
- Stern SEBI laws and regulations.
- Well-developed in house risk management systems.
- Monthly full portfolio disclosures.
- Reactive grievance redressal systems.
- Statutory audit of all investor funds that are independent.
- Leading investor data cybersecurity in the industry.
Expert Insight:
Regardless of the AMC, it is always important to ensure that the fund has the regulatory credentials and past compliance track record before investing.
TLDR / Quick Recap
- ICICI Prudential Mutual Fund is a 2025 leader that has a variety of schemes, innovative products and effective risk management.
- Individualised plans to all types and requirements of investors such as equity, debt, hybrid and thematic funds.
- Such factors as digital onboarding, flexible SIPs, high performance, and strong compliance are among the main attractions.
- Both new and seasoned investors rely on the platform in long term goal-based investing.
FAQ: People Also Ask
Q1: Does this mean that I can invest in ICICI Prudential funds in 2025 as an NRI?
Yes, the majority of funds can be invested by NRI except the ones that are prohibited by regulations of specific countries.
Q2: What is the latest NAV and fund performance?
Go to the actual ICICI Prudential MF site, or visit SEBI approved apps to get real-time NAV and performance data.
Q3: What are some of the tips that beginners need to remember when investing?
Begin with smaller amounts, pick SIP when in doubt, and be a category diversifier, and use the online portfolio tool to guide oneself.
Q4: Does all funds have any lock in period?
Tax saving ELSS funds are the only ones to have a lock-in. Majority of other funds are fully liquid according to the market settlement schedules.
Question 5: What is the way ICICI Prudential is dealing with sustainable investment?
Various funds are targeted at ESG practices and frequent ESG scoring is enforced on a fund manager basis.
Q6: am I able to change my investments among funds?
Yes, switch can be immediate online and through the app based systems, depending on your evolving goals or risk profile.
Sources
- ICICI Prudential Mutual fund official Web site.
- AMFI India, Business Standard.
- SEBI Funds Regulations.
