Tarakki Times English March 2018

A COMPILATION OF ICICI PRUDENTIAL MUTUAL FUND MEDIA VIEWS Professional Views MUMBAI | MARCH 2018 | PAGES 10Pg. 2 Why debt should be an essential Ingredient for your portfolioDebt has clearlyemerged as anattractive asset S Naren, ED & CIO ICICI Prudential Mutual FundPg. 3All weathersolution fordebt investors Manish Banthia, Senior Fund Manager S Naren BloombergQuint | March 03, 2018 A lot of people across the ICICI Prudential Mutual Fund ED & CIO country now say that equity is ICICI Prudential Mutual Fund think 2018 has proved that there not a low-risk game. Whereas in Fund Reviews are risks. I reiterate that investors December-January, most peoplePg. 5 Mutual fund investors should should invest in equity and debt. questioned the returns that one invest in both equities and debt could receive in the debt marketICICI Prudential Focussed Bluechip to get the most out of their Do you think we are closer to and said that the amount ofEquity Fund portfolios. the end of the cycle or are we in returns that the debt market the middle of the cycle? gives in a year is the same asSafe returns with large-cap That’s the advise ICICI Prudential what the equity markets givefocus Asset Management Company The market did resemble an end- in a month. These kinds of Chief Investment Officer S Naren cycle in December and January. statements are being made andICICI Prudential Dynamic Plan offered on BloombergQuint’s But after the volatility, the market you could see it in the flows. Mutual Fund Show. has gone back to resembling a Flows started touching Rs.One Fund Review mid-cycle and people are more 20,000 crore a month in thatPg. 6 Equities are not a zero-risk asset cognizant of risk. In December period in the mutual fund class as what many people think, 2017 and January 2018, people industry. People are a bit moreICICI Prudential Dynamic Fund said Naren, adding that \"volatility had forgotten the word ‘risk’. cognizant of risk now, which is is healthy”. The returns from That period was somewhat very healthy.Healthy long-term track record Indian markets will be lower in reflecting an end-cycle. the second half of this year, Have the nature and quantumPg. 7 according to the nation’s largest I am still looking forward to of flows changed in February?List of ICICI Prudential money manager. earnings growth. It may come inFunds in Mint the next 12-18 months. It keeps Actually, not significantly. MySIP Top UP What should an average getting delayed. People thought sales team was saying that therePg. 8 investor do? earnings improvement would would be a small dip but the dipETW Funds 100 start from the March quarter. is not significant. Last year’sSystematic Investment Plans An average investor should just Now, people are saying it may base impact will remain good for focus on asset allocation and take more time. the next two to three months. Tarakki Corner volatility is an integral part of Pg. 9 financial markets. If there is no So that’s a positive because the It is in the second half of this year volatility then there won’t be any moment earnings growth that your one-year returns are Mohit Handoo need for fund managers, no one comes, maybe you have ticked going to be lower than what it is ARN - 100424 will see television channels and all the boxes for an end-cycle. So, now. So, that is the time when Indore there will be no need for wealth we are still hoping for an end- you have to worry about the managers. cycle earnings recovery, which is flows. The near-term flows do Abha Gupta yet to come. look okay. ARN - 33249 Volatility is healthy, and it is a part of the markets. We were trying to With this move from an end- What are you asking investors Haldwani tell people post Diwali that they cycle to a mid-cycle, are you to do? Is debt the name of the should invest in equity and debt talking about an intermediate game currently? and not to forget the role of debt correction or the return of in capital protection. Equity is not volatility or the fact that people We are telling people to look a zero-risk asset class as what recognize that equities are also at categories like balanced many people thought it to be. I fraught with risk? Contd. on page 2The information contained herein is solely for private circulation for reading/understanding of registered Advisors/ Distributors and should not be circulated to investors/prospective investors.

2 TARAKKI TIMES, MARCH 2018 Interview Debt has clearly emerged as an attractive asset The Economic Times | February 02, 2018S Naren ment has maintained fiscal equity shares worth over Rs. 1 turnaround of corporate earn-ED & CIO discipline. Though there has lakh. However, what needs to be ings. Therefore, it is very likelyICICI Prudential Mutual Fund been a slippage in the FY18 highlighted here is that the that the returns are front-loaded. target by 30 bps, if one were to government has carried out thisUnion Budget 2018 was more of consider the FY19 target, which introduction in the most non- With the equity markets likely toa ‘rural and common man- is at 3.3 per cent, there has been disruptive manner possible. The turn volatile at elevated levels,centric’ Budget. The finance a 20 bps reduction from the initial sentiment was reflected in the we are of the view that investorsminister has deftly managed to target. market as well, which closed on should consider investments inbalance fiscal discipline with the a flat note. products that invest across debtsocial and development needs of One of the other notable posi- and equity asset classes. Inthe economy. tives was the government taking Post the budget announcement, terms of market capitalisation, steps to broaden the Indian debt clearly emerges as an on valuation basis, it’s large capsWith a slew of schemes to corporate bond market by attractive asset class. Thanks to over mid- and small-caps. Inpromote agriculture, organic permitting bonds graded ‘A’ for the proposed widening of the terms of sectors, infrastructure,farming, animal husbandry, investment as against the corporate bond market, credit healthcare and education havefisheries and environment, the current ‘AA’ grade. With the FM funds present an attractive been the areas under spotlight,FM has taken care of the ‘Bharat’ encouraging large corporates to investment opportunity. In terms owing to various announce-requirements. use the bond market to finance of equity, valuations are no ments. However, we are bullish one-fourth of their funding longer cheap with corporate on infrastructure and powerOn the fiscal front, the govern- needs, the corporate bond earnings yet to come around. utility space, IT and pharma- market space is likely to be However, at current levels, equity ceuticals. widened. markets seem to have already factored in the supposed But, indisputably, the highlight of the Budget for equity markets Sectors to Watch out for was the introduction of longterm capital gains (LTCG) tax. The INFRASTRUCTURE POWER UTILITIES IT PHARMA taxation is at 10 per cent on gains With the equity market likely to turn volatile at elevated levels, we are arising from the transfer of listed of the view that investors should consider investments in product that invest across debt and equity asset classes.Why debt should be an essential Ingredient for your portfolio Contd. from page 2advantage, equity income and credit funds where we don’t take these are the kind of products invest either in categories ofthe likes and also to invest big duration risks. We invest in ‘A’ that we are recommending. balanced advantage or investin debt, particularly the low- or ‘AA’ kind of papers. We think both in debt and equity. Whenduration credit accrual kind of the asset class is meaningfullyfunds and not the long duration Our view is to invest in both undervalued then at that timefunds. So, it would be the old equity and debt, or in categories you can just chose to invest instrategy plus debt investment like balanced advantage, that asset class. We all agree thatrather than just investing in debt. because of the way the market equities over the course of the valuations are at this point in last six months have not beenWhat is the difference between time. cheap. When the markets are notlong duration fund and short cheap, then just investing in oneaccrual kind of funds? those products have a good You can say that if you are asset class called equities isn’tLong duration funds are funds potential at this point in time invested in debt funds you something which we reco-which invest in 10-year because yields have gone up could have made returns and mmend. If equity becomes a dirt-government securities to 30-year sharply. not in equity funds. But it is cheap asset class like 2008 orgovernment securities. Those impossible to time such a thing. 2013 then it could have beenkind of products, we think, will So, the yield-to-maturity on some wise to invest just in equities.be volatile in the next 12-18 of these categories is much We don’t say don’t invest inmonths, particularly with global higher than what it was and equity. But we always tell people So, our view is to invest in both,yields going up. equity and debt, or in categories like balanced advantage becauseSo, we think that they are very of the way the market valuationsgood SIP funds because they will are at this point in time.be volatile over the course of thenext 12-18 months. But the long-term outlook is good. In accrualfunds, you have categories likeThe information contained herein is solely for private circulation for reading/understanding of registered Advisors/ Distributors and should not be circulated to investors/prospective investors.

Interview 3TARAKKI TIMES, MARCH 2018All weather solution for debt investorsWealth Forum | February 28, 2018Fixed income markets in India impacted the bond markets? There may be a point, going Manish Banthiahave shown different hues over forward, where the US Bond Senior Fund Managerthe last 18 months - from a Manish: There has not been any yields may move further up, but ICICI Prudential Mutual Funddeclining trend to a pause mode direct impact on the bond Indian Bond yields may not react,and now potentially a rising markets in any way. as they have already risen too the duration is high, the fundmode. In a market where much. uses government securities toseasons change so fast and so WF: In what way does volatility capture the capital gains. In a lowsharply, an all weather product is in US bond markets impact the WF: Why do you believe ICICI duration strategy, it focuses onwhat perhaps serves investors Indian Bond Markets? Prudential Long Term Plan is an higher accruals, to increase thebest. all-weather fund? carry on the portfolio. In effect, Manish: The impact of the US the fund is designed to investManish takes us through how he bond markets on the Indian debt Manish: It is an all-weather fund based on market and economicis navigating the ICICI Prudential market is largely sentimental in because of three reasons. First, conditions, with a model-Long Term Plan to make the most nature. The major difference the model followed provides oriented discipline.of different conditions that debt between India and US market is direction regarding economicmarkets are throwing up, to that US is in a matured economic cycles, thereby aiding the Therefore, it is an all-weatherdeliver healthy returns through cycle. Therefore the up move process of taking a call on fund, wherein an investor candifferent phases of the cycle. seen in bond yields is in sync duration for the fund. invest at any point in time and in with their economic cycle. any given market conditions, forWF: How do you read the Second, the model provides a an investment horizon of at leastmacro situation and what In India, we are at a nascent valuation strategy, where cheap three years.impact is this likely to have on stage when it comes to valuations usually lead to higherbond yields? How are you economic recovery cycle. In light duration and higher valuationsaligning your Long Term Plan’s of this, the movement seen in lead to lower duration, whichportfolio strategy with your Indian bond yields has been essentially limits the risk foroutlook on bond markets? much sharper than seen in the investors as the fund is ‘buying US market. Thus, from a low and selling high.’Manish: In terms of macro valuation point, market issituation, the economic recovery attractive (trading opportunity), Third, the fund runs differentis at a very nascent stage. Even but from a cyclical perspective strategies in different marketthough credit growth has the cycle is not very conducive scenarios. In a situation whereimproved, current account for the bond market.deficit has expanded and oilprices have seen a steep move In-House Current Account Model Can Provide Reasonable Returnsupwards, both of which are not In All Kinds Of Market Conditionsvery positive for the economy.Owing to these factors, the in-house model followed to takeduration calls is indicating aneutral duration. But given thefact that yields have climbed upin line with the economicvariables, we are maintaining amoderate duration of around 3.5-4 years at this point, which will bereflective in our portfolios.In October 2017, the model was CAD: Current Account Deficit. GDP: Gross Domestic Product, G-Sec: Government Security. Data as ofindicating that economic December 2016. Past performance may or may not sustain in future. The information contained herein issituation has changed and solely for private circulation for reading/understanding of registered Advisors/ Distributors/ referral agentstherefore the duration of the fund of ICICI Prudential Asset Management Company and should not be circulated to investors/prospectiveneeds to be cut down. As a investors.result, in October-November theduration was cut down from 6years to 3.5 years because themodel suggested a neutralduration. Further, we have triedto improve the carry in the AAAand AA space of the portfolio.The idea is to have a better carrycompared to what we used tohave when the duration washigh.WF: In what way has the recentdevelopment in PSU banksThe information contained herein is solely for private circulation for reading/understanding of registered Advisors/ Distributors and should not be circulated to investors/prospective investors.

4 TARAKKI TIMES, MARCH 2018 InterviewPotential to Generate Reasonable Returns in all kinds of Market ScenariosData as of January 31, 2018; Past performance may or may not sustain in future. The information contained herein is solely for private circulationfor reading/understanding of registered Advisors/ Distributors/ referral agents of ICICI Prudential Asset Management Company and should notbe circulated to investors/prospective investors.An all-weather scheme Plan, it is season agnostic, ICICI Prudential Long Term Plan wherein an investor can invest is an interesting investment from a long term; preferably opportunity one can consider. from a 5-10 year perspective can opt to invest in this fund. WF: Why should one consider investing in ICICI Prudential Long Term Plan in the current market? Manish: For an investor looking to make the most of the myriad opportunities in debt market,Source: Internal; G-Sec –10-year Government Securities; As ofJanuary 31, 2018; Past performance may or may not sustain in future.Past performance may or may not sustain in future. The informationcontained herein is solely for private circulation forreading/understanding of registered Advisors/ Distributors/ referralagents of ICICI Prudential Asset Management Company and shouldnot be circulated to investors/prospective investors.WF: How should distributors the portfolio. Looking at the Data as of January 31, 2018. Investments made by the Scheme will bedifferentiate between ICICI current economic recovery subject to the terms and conditions specified in the SchemePrudential Regular Savings cycle, credit space seems very Information Document. Portfolio of the Scheme is subject to changeFund and ICICI Prudential attractive as the credit cycle is depending on market conditions and investment opportunitiesLong-term Plan? likely to improve from hereon. available. Given that, economic activity isManish: ICICI Prudential Regular likely to pick pace, moreSavings Fund is a credit fund borrowers will come aroundwhich invests in well researched thereby improving creditcredit ideas and holds a portfolio spreads. All this augurs well forcomprising of higher yields, credit funds.thereby aiming to generatereturns from higher accruals in As for ICICI Prudential Long TermThe information contained herein is solely for private circulation for reading/understanding of registered Advisors/ Distributors and should not be circulated to investors/prospective investors.

Fund Review 5TARAKKI TIMES, MARCH 2018 ICICI Prudential Focussed Bluechip Equity Fund Safe returns with large-cap focusThe Hindu Business Line | February 19, 2018The fund has contained losses during downsides, offering healthy returnsGiven the uncertainty over domestic has generated mod-erate returns over the keep the expense ratio (2.17 per cent) below equity markets, holding large-caps in past year, but its long-term performance has the category average and aid returns. the portfolio could help one tide over been more noteworthy.volatility and cap losses better. ICICI The top three stocks in the portfolio are ICICIPrudential Focused Bluechip Equity invests Growth investing approach Bank, HDFC Bank and Infosys. A few stocks90-97 per cent of its corpus in large-cap such as TVS Motor, Biocon and Reliancestocks and around 2 per cent in mid-cap ICICI Prudential Focused Blue-chip has a Industries have been multi-baggers over thestocks to spice up re-turns. Cash holdings large portfolio of 50 stocks. This helps past year. Only seven of the 50 stocks in thehave been reduced to 134 per cent in mitigate the risk, though there are a few portfolio have lost value in the past year. TheJanuary 2018 from 3.76 per cent in January concentrated bets with holdings ex-ceeding top three sectors in the portfolio are banks,2017. 6-7 per cent of the cor-pus. The top 30 stocks computer software, automobiles. Over the constitute 80-85 per cent of the portfolio. last one year, the fund has pruned exposureSince its inception in 2008, the fund has in soft-ware, personal care and pharmamanaged to beat its benchmark Nifty 50 The fund follows a growth-in-vesting while increasing exposure in automobiles,index as well as category returns. Given its approach, implying that some stock picks power generation and oil drilling/alliedlarge-cap exposure, the fund has contained could be pricey, but this risk is mitigated by a services.losses better during downsides in 2011, high-quality large-cap focus. Low portfolio2013 and 2015, which has trans-lated into churn thanks to a buy-and-hold strategy andgood returns over market cycles. The fund a large corpus (about 116,700 crore) help A steady performer Annual returns (in %)Assets as on Jan 31, 2018: ` 16,739 crore 26.1% Banks ICICI Pru Focussed Bluechip Equity Fund Fundas 9.0% Automobiles Benchmark (Nifty 50) 8.5% Software Invests mainly in large-cap 6.5% Consumer non-durables 22.6 20.9 17.0 stocks 6.1% Finance 12.4 43.8% Others 9.8 Healthy long-term 6.2 performance Allocation to safe index names 1 year 3 years 5 years ICICI Prudential Dynamic Plan One Fund ReviewMint | February 2018 Return mint How ` 10,000 has grown 50BEST Mint 50 is a curated list of 50 3,10,000 FUNDS investment-worthy funds. 2,60,000 2,10,000ICICI Prudential Dynamic Plan ICICI Prudential Dynamic Plan 2,56,819 Nifty 50 IndexCorpus (` cr) (as on 31 Jan 2018) 1,08,170 10,814.79 1,60,000NAV (as on 22 Feb 2018) 258.17 22 Feb 2018Expense ratio (as on 31 Jan 2018) 2.28 1,10,000Category average expense ratio 2.37 Source: Value Research(as on 31 Jan 2018) 60,000Minimum Investment ` 5,000 10,000 12 Nov 2002 Base value taken as 10,000The information contained herein is solely for private circulation for reading/understanding of registered Advisors/ Distributors and should not be circulated to investors/prospective investors.

6 TARAKKI TIMES, MARCH 2018 Fund Review ICICI Prudential Dynamic Fund Healthy long-term track recordThe Economic Times | March 12, 2018ET Wealth collaborates with Value Research to analyse top mutual funds. We examine the key fundamentals of the fund, its portfolio andperformance to help you make an informed investment decision.HOW HAS THE FUND PERFORMED? BASIC WHERE DOES THE FACTS FUND INVEST?With a 10-year return of 12.91%, the fund has outperformed thecategory (11.01%) and the index (8.87%) by a good margin.Growth of `10,000 vis-a-vis FUND DATE OF LAUNCH Portfolio asset Fund stylecategory and benchmark allocation box `33,676 31 DEC 2002`10,000 Equity 66.05% Small Medium LargeGrowth Blend Value CATEGORY CATEGORY Large-cap CAPITALISATIONINVESTMENT STYLE `28,420 EQUITY 77.98% TYPE Mid-cap MULTI-CAP 17.26% INDEX AVERAGE AUM Small-cap `23,401 `10,814.79 CR 4.76% BENCHMARK Debt & Cash NIFTY 50 TOTAL RETURN 33.95% WHAT IT The fund is currently tilted COSTS I NAVs* GROWTH OPTION in favour of large-caps.MAR 2008 MAR 2011 MAR 2015 MAR 2018 `255 The fund has outperformed both the index and AS ON 6 MAR, 2018 DIVIDEND OPTlON Top 5 sectors in portfolio (%)I `23 Financial 14.05 Energy 12.01 the category average over the past decade. MINIMUM INVESTMENTAnnualised performance (%) `5,000 Technology 6.43FUND INDEX CATEGORY AVERAGE MINIMUM SIP AMOUNT Automobile 5.89 `1,000 FMCG 5.23 17.88 17.12 17.90 EXPENSE RATIO (%) The fund’s contrarian bias is 15.88 13.37 2.28 I 12.54 EXIT LOAD reflected in its sector bets. For units in excess of 10%6.46 9.08 9.39 of the investment, 1% will Top 5 stocks in portfolio (%) 3.74 3.13 5.98 be charged for redemption6 MONTH 1 YEAR 3 YEAR 5 YEAR within 365 days. ICICI Bank 5.61 AS ON 6 MAR, 2018 *AS ON 6 MARCH, 2018 Infosys 4.23 The fund has marginally underperformed NTPC 3.84I peers over 3- and 5-year periods. ITC 3.78 Larsen & 3.70 ToubroYearly performance (%) The fund’ has raised I exposure to large-capsFUND INDEX CATEGORY AVERAGE 48.07 How risky is it?37.05 38.28 Fund Category Index 32.90 28.15 30.27 14.25 13.66 0.35 Standard Deviation 12.62 7.68 12.50 Sharpe Ratio 0.56 0.60 4.39 5.09 2.34 Mean Return 10.33 11.44 -1.41 -3.012014 2015 2016 2017 FUND BASED ON 3-YEAR PERFORMANCE. DATA AS ON 28 FEB 2018 AS ON 6 MAR, 2018 MANAGER The fund is less volatile compared SANKARAN NAREN I TENURE: 6 YEARS Education: B.TECH, MBA to many of its peers. The fund’s performance has been WHEREVER NOT SPECIFIED, DATA AS ON 31 JAN 2018. SOURCE: VALUE RESEARCH.I inconsistent in recent years.SHOULD This fund tweaks equity exposure market-cap bias, it is currently the portfolio. Having grown in cushion during a marketYOU aggressively based on market tilted towards large-caps, having size, the portfolio is now more downturn. The fund is designedBUY? valuations and also switches cut exposure to mid-caps over diversified. The fund’s value bias for investors willing to stay within equities, taking a past few years. It has cut equity often results in bouts of invested across market cycles, contrarian approach to sector and exposure sharply, with its bonds underperformance, as exhibited and its long-term track record stock selection. While it carries no allocation now forming 30% of in recent years, but it acts as a provides comfort.The information contained herein is solely for private circulation for reading/understanding of registered Advisors/ Distributors and should not be circulated to investors/prospective investors.

Fund Review 7TARAKKI TIMES, MARCH 2018mint List of ICICI Prudential Funds in Mint50BESTFUNDSMint | February 2018FUND CORE 3-year return (%) 5-year return (%) 10-year return (%) Fund size (Rs cr)LARGE CAPICICI Prudential Focused Bluechip Equity Fund 9.00 16.45 NA 16,275.05MULTI CAP 9.74 17.20 13.21 11,016.34ICICI Prudential Dynamic Plan 12.74 19.50 NA 179.64ICICI Prudential Nifty Next 50 Index Fund 6.45 20.64 17.73 16,664.36ICICI Prudential Value Discovery FundTAX PLANNING 7.94 18.01 13.73 5,033.96ICICI Prudential Long Term Equity Fund 10.65 17.90 12.60 27,800.54(Tax Saving)EQUITY-ORIENTEDICICI Prudential Balanced FundFUND CORE 3-month return (%) 6-month return (%) 1-year return (%) Fund size (Rs cr)DEBT-ORIENTEDSHORT TERM 0.76 1.28 6.57 8,812.73ICICI Prudential Short Term PlanSIP Top UpA monthly Systematic Investment Plan (SIP) of Rs.10,000 with an annual Top Up of 10% in these schemes has generated returns as stated below.Scheme Name 5 Years 10 YearsICICI Prudential Return (%) 1,433,351 5,458,479 Midcap Fund 24.68 20.1 ICICI Prudential Return (%) 1,158,592 -Focused Bluechip Equity Fund 16.26 -ICICI Prudential Return (%) 1,192,818 4,588,080Balanced Fund 17.1 16.64ICICI Prudential Return (%) 1,161,071 4,188,199 Top 100 Fund 15.15 14.71ICICI Prudential Return (%) 1,172,487 4,274,797 Dynamic Plan 16.67 15.96ICICI Prudential Return (%) 1,182,196 4,414,035Multicap Fund 17.2 15.81ICICI Prudential Balanced Return (%) 1,072,494 4,026,757 Advantage Fund 12.96 13.95 ICICI Prudential Return (%) 1,070,285 -Select Large Cap Fund 12.89 - ICICI Prudential Return (%) 1,204,242 5,331,393Value Discovery Fund 17.71 20.04ICICI Prudential Long Term Return (%) 1,143,718 4,402,613 Equity Fund (Tax Saving) 16.1 16.81Data in XIRR (%) terms and as of February 28, 2018The information contained herein is solely for private circulation for reading/understanding of registered Advisors/ Distributors and should not be circulated to investors/prospective investors.

8 TARAKKI TIMES, MARCH 2018 Fund ReviewETW Funds 100List of ICICI Prudential Funds in the Economic Times WealthET Wealth | February 2018FUND Value Research Returns (%) Fund Rating 3-month 6-month 1-year 3-year 5-year -0.35 16.61EQUITY: LARGE CAP 3.28 16.58 9.59ICICI Prudential Focused Bluechip Equity FundICICI Prudential Value Discovery Fund 0.86 3.04 9.55 6.88 20.74EQUITY: MULTI CAPICICI Prudential Nifty Next 50 Index Fund -1.96 0.12 18.98 13.78 19.96HYBRID: EQUITY ORIENTEDICICI Prudential Balanced Fund -0.34 4.29 12.81 11.06 18.02HYBRID: DEBT-ORIENTED CONSERVATIVEICICI Prudential Regular Income Fund 1.57 2.8 7.02 8.47 8.67(An open ended income scheme. Income is not assured 0.8 1.09 6.96 8.61 8.95and is subject to the availability of distributable surplus) 0.22 -0.4 7.4 8.47 10.95DEBT: INCOMEICICI Prudential Banking & PSU Debt FundDEBT: DYNAMIC BONDICICI Prudential Long Term PlanSystematic Investment PlansA monthly Systematic Investment Plan (SIP) of Rs. 10,000 in these schemes has generated returns as stated below Scheme Name 3 Years 5 Years 7 Years 10 Years ICICI Prudential Return (%) 4,77,970 10,98,143 19,07,599 34,45,323 Midcap Fund 19.67 24.68 23.2 20.1 ICICI Prudential Return (%) 4,54,197 8,96,907 14,84,104 -Focused Bluechip Equity Fund 15.99 16.26 16.09 - ICICI Prudential Return (%) 4,50,537 9,15,465 15,51,778 28,60,675 Balanced Fund 15.41 17.1 17.35 16.64 ICICI Prudential Return (%) 4,45,611 8,72,949 14,46,694 25,79,180 Top 100 Fund 14.63 15.15 15.37 14.71 ICICI Prudential Return (%) 4,59,059 9,05,821 15,01,160 27,58,234 Dynamic Plan 16.75 16.67 16.41 15.96 ICICI Prudential Return (%) 4,44,476 9,17,652 15,36,678 27,35,731 Multicap Fund 14.45 17.2 17.07 15.81ICICI Prudential Balanced Return (%) 4,25,887 8,27,565 13,71,277 24,76,721 Advantage Fund 11.27 12.96 13.86 13.95 ICICI Prudential Return (%) 4,28,261 8,26,132 13,41,275 -Select Large Cap Fund 11.83 12.89 13.23 - ICICI Prudential Return (%) 4,24,161 9,28,987 16,41,055 34,33,834Value Discovery Fund 11.15 17.71 18.93 20.04ICICI Prudential Long Term Return (%) 4,35,846 8,93,497 15,11,590 28,86,843 Equity Fund (Tax Saving) 13.06 16.1 16.61 16.81Data in XIRR (%) terms and as of February 28, 2018The information contained herein is solely for private circulation for reading/understanding of registered Advisors/ Distributors and should not be circulated to investors/prospective investors.

Tarakki Corner 9TARAKKI TIMES, MARCH 2018Your YToaur rTaarakkkki CiornCer ornerMohit Handoo The expanse of the financial world is such that a layman is ‘Wealth Engineers' follows a diligent process toARN - 100424 caught unaware most of the times as to how to invest understand client objectives and gauge risk profiles.Indore using the right tools at the right time and make money Diagnosis of the financial health, understanding risk, and work for them instead of vice versa. reward analytics, following asset allocation patterns, constant up gradation and learning of market dynamics are With almost a decade of experience in portfolio part of his approach to portfolio building. construction and advisory, he has acted as a single point of contact for Private Banking clients & catering to their When asked about client acquisition, answered Mohit, banking & investment requirements. His previous “We majorly acquire clients through references; conduct experience included portfolio management of HNI clients, investor awareness sessions, AMC meets, and create recommending investments in products such as Mutual awareness through our social interactions and networks” funds, Portfolio Management, Insurance, Structured The total assets under his advisory are nearly ` 250 Cr, and Products, Real Estate Funds and property deals, his SIP Book is worth ` 1.5 cr as on December 2017. Commodities, evolving & executing sales strategies to acquire HNW clients. His expertise lies in the areas of He considers his role as a social responsibility considering structured products, Private Equity, Mutual Funds and the lack of awareness concerning financial investments. NCDs/Bonds. He lays strong emphasis on educating investors to set clear goals, stick to the predefined strategies and invest Having completed his MBA, & relevant professional for a longer tenure, such that short term volatilities do not certifications, Mohit has the knowledge, skill set, and affect their portfolio. understanding to his credit. He has worked with some of the best companies in the financial world. As on today, he To all those wanting to venture out as future advisors, he stands proud as the founder of Wealth Engineers, that is advises newbies to 'never to follow the herd.' catering to over 500 families which include retail investors, HNIs, UHNIs, NRIs and corporates.In this issue, we wish to share the success story of understand the investment objectives and risk appetite of Abha GuptaMs. Abha Gupta, a woman who was inspired by her father- a client. Once you know these factors, it is easier to chart ARN - 33249in-law (mutual fund advisor) to become a financial advisor. out a financial plan suitably.”With total assets under advisory amounting to Haldwaniapproximately ` 100 crore, over the past 12 years, she has When asked about the current client portfolio, Abhabeen guiding her clients on the path of wealth creation. shares, “My present monthly SIP book amounts to more than ` 1 crore while the client portfolio under my advisoryAbha hails from a small town called Haldwani in is approximately ` 100 crore.”Owing her success to herUttarakhand. This was a region where traditional family, Abha candidly replies, “I owe my success to theinvestment options were the most preferred options and trust and support bestowed on me by my family. Mythus, selling a product without guaranteed returns such as husband was my first client, and from thereon I have comemutual funds was no easy task. However, over time, a long way.”people warmed up to the concept of mutual fund andconsequently bestowed their confidence in her advice and While the fear of loss is always greater than the hope ofinto stock markets. gain, she has been advising her clients to stay calm during volatile times and continue with their investments. To allA commerce graduate from Delhi University, Abha has those wanting to venture out as future advisors, shealways been enthusiastic about her profession. She advises them to stay patient and on course towardsearned the confidence of her clients by giving them advice creating a healthy corpus. It is just a matter of time that theonly after carefully listening and understanding each clients will start trusting your financial acumen.client's needs and their financial goals and aspirations.Sharing her success mantra, she says, “It is important toThe portfolio of the scheme is subject to changes with in the provisions of the Scheme Information Document (SID) of the respective schemes. Please refer to the SID for investment pattern, strategy andrisk factors. The information contained herein is solely for private circulation for reading/understanding of registered Advisors/ Distributors and should not be circulated to investors/prospective investors.Tarakki Times is compilation of articles published in various newspapers/magazines. Due credit is given by disclosing the source for such articles/publication. The articles covered are excerpts ofpublication by an independent agency and is circulated to the empanelled Advisors/Distributors of ICICI Prudential Asset Management Company Limited (the AMC). ICICI Prudential Mutual Fund (the Fund)does not warrant the accuracy, reasonableness and/or completeness of any information. All data/information used in the preparation of this material is specific to a time and may or may not be relevant infuture post issuance of this material. The AMC takes no responsibility of updating any data/information in this material from time to time. The AMC (including its affiliates), the Mutual Fund, The Trust andany of its officers, directors, personnel and employees, shall not liable for any loss, damage of any nature, including but not limited to direct, indirect, punitive, special, exemplary, consequential, as also anyloss of profit in any way arising from the use of this material in any manner. The sector(s)/stock(s) mentioned in this communication do not constitute any recommendation of the same and ICICI PrudentialMutual Fund may or may not have any future position in these sector(s)/stock(s). The recipient alone shall be fully responsible/are liable for any decision taken on this material.Mutual Fund investments are subject to market risks, read all scheme related documents carefully.