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CHAPTER-IV DATA ANALYSIS AND INTERPRETATION

ICICI Equity [Shares]

Investment Brokerage charges Rate of return ILLUSTRATION

100000 0.12% [@ Buying Share] Subject to Market Returns Past Performance [10 yrs]

Year Apr-03 Apr-04 Apr-05 Apr-06 Apr-07 Apr-08 Apr-09 Apr-10 Apr-11 Apr-12 Apr-13

Price 130 290 418 615 843 803 341 972 1,104 869 1,009

No Of Shares 769 769 769 769 769 769 769 769 769 769 769

Growth 99970 223010 321442 472935 648267 617507 262229 747468 848976 668261 775921

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 .

ICICI ULIPS DIFFERENT CHARGES FOR ICICI ULIPS


Sum assured Annual premium Premium allocation charges Policy administrative charges Other charges Fund management charges (FMC) service charges Death benefit Rate of return 500000 100000 1-2 Years - 10% + service charges 3-4 Years - 5% + service charges There after 2% + service charges 60 per month + service charges 1.46%+service charges 1.5%+service charges 12.36% Sum assured + growth amount 10%

ICICI ULIPS ILLUSTRATION


premium allocation charges 11236 11236 5618 5618 2247 2247 2247 2247 2247 2247 Amount available for investment 88764 88764 94382 94382 97753 97753 97753 97753 97753 97753 policy administrative charges 809 809 809 809 809 809 809 809 809 809

Yea r 1 2 3 4 5 6 7 8 9 10

Annual premium 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000

other charges 1456 1456 1548 1548 1603 1603 1603 1603 1603 1603

Amount available 86499 86499 92025 92025 95341 95341 95341 95341 95341 95341

Growth 95149 198050 315412 442330 583238 735624 900424 1078649 1271391 1479836

FMC 1603 3337 5318 7455 9830 12398 15175 18180 21427 24942

Net growth 93546 194713 310094 434875 573408 723226 885249 1060469 1249964 1454894

Death benefits 593546 694713 810094 934875 1073408 1223226 1385249 1560469 1749964 1954894

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.

ICICI MUTUAL FUND (ICICI prudential tax fund) DIFFERENT CHARGES FOR ICICI prudential tax fund
Annual premium Initial charges Fund management charges Rate of return 100000 2.25% 2.25% 10%

ICICI PRUDENTIAL TAX FUND ILLUSTRATION


Year 1 2 3 4 5 6 7 8 9 10 Annual premium 100000 100000 100000 100000 100000 100000 100000 100000 100000 100000 Initial charges 2250 2250 2250 2250 2250 2250 2250 2250 2250 2250 Investable amount 97750 97750 97750 97750 97750 97750 97750 97750 97750 97750 Growth 107525 223141 347458 481129 624859 779404 945580 1124259 1316385 1522968 FMC 2419 5021 7818 10825 14059 17537 21276 25296 29619 34267 Net Growth 105106 218120 339640 470304 610800 761867 924304 1098963 1286766 1488701

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

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

Investment Option Equity Mutual Funds ULIPs ETF

Investment 100000 100000 annually 100000 annually 100000

Returns 67.50% 14.54% 14.88% 3.53%

Findings of the study:

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

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.

CHATER-VI SUGGESTIONS

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.

CHAPTER-VII CONCLUSIONS

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.

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.

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

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