Badi badi khushiyaan, chotti chotti kishton se banayen.

ICICI Prudential -

Systematic Investment Plan

Index
y y y y

Why should you invest? When should you invest? Invest Smart Invest Safe Benefits of SIP
Additional Benefits

y y y

How does it work? Lump sum vs. SIP SIP performance - Equity & Debt

Why should you invest?

Diminishing value of savings
Savings

Money that is accumulated and not invested loses value over time because of inflation `100000 today will be worth only ` 94000 next year due to a 6%^ inflation Prices are rising Investing in SIP funds could help increase your wealth multi-fold!

100000

100000

80000

73390

60000

53862

40000

39529 29011

20000

Present

5 Years

10 Years

15 Years

20 Years

6% rate of inflation is assumed for the purpose of explaining the concept. The inflation rate will depend on the various market conditions.

Why should you invest?

Looking to buy a new house?
A saved ` 3.4 lac every year for 5 years to buy a 1000 sq.ft home in Delhi. But now his savings can only get him 1000 sq.ft in Noida Property prices are rising faster than bank interest rates so your savings are losing value every year Investing regularly with SIP today helps you to purchase your dream house tomorrow

2005
Delhi Gurgaon Noida ` 1700 ` 1250 ` 1000

2010
` 3000 ` 2200 ` 1700

Rise p.a.
15.3% 15.2% 14.0%

The rates mentioned above are only to make the investor understand the concept and actual rates may vary substantially.

When should you invest?

Trying to predict the markets?

Predicting the markets consistently can be a very difficult task.

When should you invest?

Turbulent markets
Monthly returns for BSE SENSEX since 1980
60.00% 50.00% 40.00% 30.00% 20.00% 10.00% 0.00% -10.00% -20.00%

When do you enter?

When do you exit?

The investor is always in a dilemma about when to enter and when to exit the markets.
Source: www.bseindia.com. Past performance may or may not be sustained in future. The above graph depicts the performance of BSE Sensex over a period of time and shall not be construed to be indicative of any of the schemes of ICICI Prudential Mutual Fund in any manner.

Jan/80 Jan/81 Jan/82 Jan/83 Jan/84 Jan/85 Jan/86 Jan/87 Jan/88 Jan/89 Jan/90 Jan/91 Jan/92 Jan/93 Jan/94 Jan/95 Jan/96 Jan/97 Jan/98 Jan/99 Jan/00 Jan/01 Jan/02 Jan/03 Jan/04 Jan/05 Jan/06 Jan/07 Jan/08 Jan/09 Jan/10

-30.00%

When should you invest?

Turbulent markets
Market rose 52.5% in 2007
22000.0 19000.0 16000.0 13000.0 10000.0 7000.0 Jan-07

And fell by 60% immediately after

22000.0 19000.0 16000.0 13000.0 10000.0 7000.0 Jan-07

Jul-07

Jan-08

Jul-08

Jan-09

Jul-09

Jan-10

Jul-10

Jul-07

Jan-08

Jul-08

Jan-09

Jul-09

Jan-10

Jul-10

Need of the hour is a dynamic way to invest in volatile markets.

Source: www.bseindia.com. The above graph is only for illustration and depicts the performance of BSE Sensex over a period of time and shall not be construed to be indicative of any of the schemes of ICICI Prudential Mutual Fund in any manner.

Invest Smart, Invest Safe

Systematic Investment Plan (SIP) Spreads investment over the duration of SIP in small, manageable installments Constant presence makes sure you dont miss out on any opportunities!

Benefits of SIP
Gives you a lower unit cost than the market average It is a dynamic way to invest in fluctuating markets Compounding gives you greater advantage

Additional Benefits
Dividends are tax free* Your portfolio is managed by expert fund managers Gives you complete transparency by way of disclosure of portfolio every month You earn regularly, You spend regularly, Why not invest regularly?
*

Dividend is tax free as per current applicable tax provisions.

How does it work?

Rupee Cost Averaging
Rupee cost averaging generally gives you a lower unit cost than market average Investing fixed amounts makes sure you purchase more units at a lower price and less at a higher price
SIP ` 9.8 72.32 ` 795.56 ` 9.86 Lump sum ` 10 70 ` 770
Jan Feb Mar Apr May NAV Jun July Units Bought 10 8.5 10.5 9 8 11.11 8.33 12.50 9.09 12 11

11.76 10 9.52

Average unit cost Units Bought End Value Average NAV

Past performance may or may not be sustained in future. The actual results may vary substantially from the depicted figures. No guarantee or assurance of return or protection of capital is being offered by ICICI Prudential Mutual Fund. In case of SIP it is assumed that ` 100 is invested on the first day of every month at the unit price (NAV). In case of lump sum, it is assumed that ` 700 is invested on 1st Jan when unit price was ` 10 and redemption is made when the unit price ` 11.

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How does it work?

Law of Compounding

ICICI Prudential Technology Fund - Growth option vis-a-vis benchmark as on November 30, 2010
Period 1 Year SIP 3 Year SIP 5 Year SIP Since Inception SIP Start Date 1-Dec-09 1-Dec-07 1-Dec-05 3-Mar-00 Total Amount Invested 12,000 36,000 60,000 129,000 Scheme Market Value 14,750.92 61,471.62 96,867.84 407,677.82 Scheme SIP Returns 45.06% 38.04% 19.23% 20.13% Benchmark (BSE IT) Market Value 13,696.06 57,850.63 91,322.71 319,019.28 Benchmark SIP Returns 27.20% 33.38% 16.82% 15.95%

Past performance may or may not be sustained in future. The above CAGR performance is calculated based on IRR with the assumption that
SIP installments were received across the time periods from the start date of the SIP Assumed ` 1000 invested every month. Allotment NAV has been taken as ` 10 for since . inception returns. NAV of Growth Option is considered for computation without considering load. Benchmark is BSE IT. Please refer slide no. 19 for Statutory Details and Risk Factors.

Investing LONGER even in smaller amounts, yields GREATER results so start immediately!!
11

Lump sum vs. SIP - Illustration A

Lump sum investment

B
SIP investment

Invests ` 129,000 in ICICI Prudential Technology Fund since inception

Invests ` 1000 every month in ICICI Prudential Technology Fund since inception

On 30th November, 2010, both of them encash their units

12

Lump sum vs. SIP - An example

Lump sum investment (A)
The redemption proceeds for investments made on 03-Mar-2000 would be ` 239,682.00 @ 5.93% CAGR as depicted below. Performance returns as on 30-Nov-10 Period 1 Year 3 Years 5 Years Since Inception (03-Mar-2000) ICICI Prudential BSE IT Index Technology Fund (Benchmark) 44.25% 28.10% 8.96% 13.22% 14.89% 12.58% 5.93% -1.72%

SIP investment (B)

The redemption proceeds for investments made since inception would be ` 407,677.82 @ 20.13% CAGR as depicted below. SIP returns as on 30-Nov-10 Period 1 Year SIP 3 Year SIP 5 Year SIP Since Inception (03-Mar-2000) ICICI Prudential BSE IT Index Technology Fund (Benchmark) 45.06% 27.20% 38.04% 33.38% 19.23% 16.82% 20.13% 15.95%

Past performance may or may not be sustained in future. The same may not necessarily provide the basis for comparison with other investments. NAV of growth option is considered for computation without considering load. Returns calculated on the basis of CAGR. Benchmark is BSE IT. The allotment NAV has been taken as ` 10/- for since inception returns. In case of SIP assumed ` 1000 invested every month and the CAGR performance is calculated based on IRR with the assumption that SIP installments were received across the time periods from the start date of the SIP Please refer slide no. 19 for Statutory Details and Risk Factors. .

13

Lump sum vs. SIP - An example

Advantage!
By investing the same amount, B gets the advantage of the price when the market falls SIP gives constant presence, so there is hardly any chance of missing an opportunity! Hence, B gets a higher valuation since inception B could also keep rest of his funds in a fixed income instrument and accumulate interest! SIP reduces market volatility by purchasing units at prices across the SIP period

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Proven track record

ICICI Prudential Infrastructure Fund
Period 1 Year SIP 3 Year SIP 5 Year SIP Since Inception SIP Start Date 1-Dec-09 1-Dec-07 1-Dec-05 31-Aug-05
(Open ended Equity Fund)

Total Amount Invested 12,000 36,000 60,000 64,000

Scheme Market Value 12,607.70 45,066.01 89,786.08 101,953.72

Benchmark Scheme Benchmark (S&P CNX Nifty) SIP Returns SIP Returns Market Value 9.52% 15.15% 16.13% 17.45% 13,220.33 48,190.35 86,650.79 96,231.74 19.38% 19.89% 14.68% 15.25%

ICICI Prudential Tax Plan

Period 11 Year SIP 3 Year SIP 5 Year SIP SIP Start Date 1-Dec-09 1-Dec-07 1-Dec-05

(Open ended Equity Linked Savings Scheme)

Total Amount Invested 12,000 36,000 60,000

Scheme Market Value 13,402.65 57,070.26 97,380.44

Benchmark Scheme Benchmark (S&P CNX Nifty) SIP Returns SIP Returns Market Value 22.36% 32.34% 19.45% 13,220.33 48,190.35 86,650.79 19.38% 19.89% 14.68%

Since Inception 19-Aug-99 136,000 778,363.17 28.44% 418,412.73 18.58% Past performance may or may not be sustained in future. The above CAGR performance is calculated based on IRR with the assumption that SIP
installments were received across the time periods from the start date of the SIP Assumed ` 1000 invested every month. Allotment NAV has been taken as ` 10 for since inception . returns. NAV of Growth Option is considered for computation without considering load. Benchmark is S&P CNX Nifty. Returns as on 30th November, 2010. Please refer slide no. 19 for Statutory Details and Risk Factors.

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Proven track record

ICICI Prudential Dynamic Plan
Period 1 Year SIP 3 Year SIP 5 Year SIP Since Inception SIP Start Date 1-Dec-09 1-Dec-07 1-Dec-05 31-Oct-02
(Open ended Diversified Equity Fund)

Total Amount Invested 12,000 36,000 60,000 98,000

Scheme Market Value 13,360.45 53,152.81 98,419.03 341,351.17

Benchmark Scheme Benchmark (S&P CNX Nifty) SIP Returns SIP Returns Market Value 21.67% 27.02% 19.89% 29.56% 13,220.33 48,190.35 86,650.79 234,473.41 19.38% 19.89% 14.68% 20.70%

ICICI Prudential Discovery Fund

Period 1 Year SIP 3 Year SIP 5 Year SIP SIP Start Date 1-Dec-09 1-Dec-07 1-Dec-05

(Open ended Diversified Equity Fund)

Total Amount Invested 12,000 36,000 60,000

Scheme Market Value 13,531.39 64,113.14 111,670.67

Benchmark Scheme Benchmark (S&P CNX Nifty) SIP Returns SIP Returns Market Value 24.48% 41.33% 25.12% 13,220.33 48,190.35 86,650.79 19.38% 19.89% 14.68%

Since Inception 16-Aug-04 76,000 172,158.75 25.64% 132,888.94 17.45% Past performance may or may not be sustained in future. The above CAGR performance is calculated based on IRR with the assumption that SIP
installments were received across the time periods from the start date of the SIP Assumed ` 1000 invested every month. Allotment NAV has been taken as ` 10 for since inception . returns. NAV of Growth Option is considered for computation without considering load. Benchmark is S&P CNX Nifty. Returns as on 30th November, 2010. Please refer slide no. 19 for Statutory Details and Risk Factors.

16

Not comfortable in equity? NO problem!

SIP in Debt Funds also give you a variety of choices with a lower risk. ICICI Prudential MIP
Period 1 Year SIP 3 Year SIP 5 Year SIP Since Inception
(An open ended fund. Monthly income is not assured and is subject to the availability of distributable surplus.)

SIP Start Date 1-Dec-09 1-Dec-07 1-Dec-05 10-Nov-00

Total Amount Invested 12,000 36,000 60,000 121,000

Scheme Market Value 12,486.11 41,331.44 74,334.35 194,455.86

Scheme SIP Returns 7.59% 9.18% 8.50% 9.09%

Benchmark (Crisil MIPEX) Market Value 12,445.02 40,706.47 73,072.71 NA

Benchmark SIP Returns 6.95% 8.15% 7.82% NA

ICICI Prudential MIP 25 (An open ended income fund. Monthly income is not assured and is subject to the availability of distributable surplus.)
Period 1 Year SIP 3 Year SIP 5 Year SIP SIP Start Date 1-Dec-09 1-Dec-07 1-Dec-05 Total Amount Invested 12,000 36,000 60,000 Scheme Market Value 12,565.12 42,481.59 76,309.50 Scheme SIP Returns 8.84% 11.05% 9.55% Benchmark (Crisil MIPEX) Market Value 12,445.02 40,706.47 73,072.71 Benchmark SIP Returns 6.95% 8.15% 7.82%

Since Inception 30-Mar-04 81,000 114,226.44 10.03% 106,255.89 7.92% Past performance may or may not be sustained in future. The above CAGR performance is calculated based on IRR with the assumption that SIP
installments were received across the time periods from the start date of the SIP Assumed ` 1000 invested every month. Allotment NAV has been taken as ` 10 for since inception . returns. NAV of Growth Option is considered for computation without considering load. Benchmark is Crisil MIP Blended Index. Benchmark start date is 30-Mar-02. Returns shown as on 30th November, 2010. Please refer slide no. 19 for Statutory Details and Risk Factors.

17

Not comfortable in equity? NO problem!

SIP in Debt Funds also give you a variety of choices with a lower risk.

ICICI Prudential Gilt Fund - Investment Plan - PF Option - Growth (an open ended gilt fund)
Period 1 Year SIP 3 Year SIP 5 Year SIP Since Inception SIP Start Date 1-Dec-09 1-Dec-07 1-Dec-05 19-Nov-03 Total Amount Invested 12,000 36,000 60,000 85,000 Scheme Market Value 12,329.84 42,270.64 81,787.17 127,740.82 Scheme SIP Returns 5.13% 10.71% 12.34% 11.30% Benchmark Benchmark (I-SEC Li-Bex) SIP Returns Market Value 12,347.27 39,869.74 72,649.84 109,935.79 5.41% 6.74% 7.58% 7.15%

Past performance may or may not be sustained in future. The above CAGR performance is calculated based on IRR with the assumption that SIP
installments were received across the time periods from the start date of the SIP Assumed ` 1000 invested every month. Allotment NAV has been taken as ` 10 for since inception . returns. NAV of Growth Option is considered for computation without considering load. Inception date of the Scheme:November 19, 2003. Please refer slide no. 19 for Statutory Details and Risk Factors.

18

Risk Factors & Statutory Details

Statutory Details: ICICI Prudential Mutual Fund (the Fund) was set up as a Trust sponsored by Prudential plc (through its wholly owned subsidiary namely Prudential Corporation Holdings Ltd) and ICICI Bank Ltd. ICICI Prudential Trust Limited (the Trust Company), a company incorporated under the Companies Act, 1956, is the Trustee to the Fund. ICICI Prudential Asset Management Company Ltd (the AMC). a company incorporated under the Companies Act, 1956, is the Investment Manager to the Fund. ICICI Bank Ltd and Prudential Plc (acting through its wholly owned subsidiary namely Prudential Corporation Holdings Ltd) are the promoters of the AMC and the Trust Company. Risk Factors: All investments in mutual funds and securities are subject to market risks and the NAV of the schemes may go up or down depending upon the factors and forces affecting the securities market and there can be no assurance that the funds objectives will be achieved. Past performance of the Sponsors, AMC/Fund does not indicate the future performance of the Schemes of the Fund. The Sponsors are not responsible or liable for any loss resulting from the operation of the Schemes beyond the contribution of an amount of 22.2 lacs, collectively made by them towards setting up the Fund and such other accretions and additions to the corpus set up by the Sponsors. @#ICICI Prudential Dynamic Plan (IPDP) An open-ended Equity Fund. Objective is to generate capital appreciation by actively investing in equity and equity related securities and for defensive consideration in debt / money market instruments). @#ICICI Prudential Infrastructure Fund- (IPIF) (An open-ended equity Scheme. Objective is to generate capital appreciation and income distribution to unitholders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure industries and balance in debt securities and money market instruments). #ICICI Prudential Tax Plan (IPTP) (An open-ended equity linked savings Scheme. Objective is to generate long term capital appreciation through investments primarily in equity/equity related securities of the companies). The Scheme will not take any derivative exposure; hence there will be no derivative risk. Exit Load: Nil. @#ICICI Prudential Discovery Fund (IPDF) (An open-ended Equity Fund. Objective is to generate returns through a combination of dividend income and capital appreciation by investing primarily in a well-diversified portfolio of value stocks). ^ICICI Prudential MIP 25 [IPMIP25] (An open-ended income fund. Monthly income is not assured and is subject to the availability of distributable surplus). The primary investment objective of the Scheme is to seek to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. Exit Load: If the amount, sought to be redeemed or switched out, is invested upto 15 months from the date of allotment - 1% of the applicable NAV and if invested more than 15 months: Nil; @^ICICI Prudential Monthly Income Plan [IPMIP] (An open-ended fund. Monthly income is not assured and is subject to the availability of distributable surplus). Investment objective of the scheme is to generate regular income through investments in fixed income securities so as to make monthly/ quarterly/half yearly dividend distribution to Unitholders seeking the Dividend Option and also to generate long term capital appreciation by investing a portion in equity and equity related instruments. @^ICICI Prudential Gilt Fund - Investment Plan - PF Option [IPGFIP-PF] (An open-ended Gilt Fund. Objective is to generate income through investments in Gilts of various maturities). However, there can be no assurance that the investment objective of the above mentioned Schemes will be realized. Entry load is not applicable under all the Schemes. @ Exit load: If the amount invested is sought to be redeemed or switched out is invested for a period of (i) upto 1 year from the date of allotment 1 % of applicable NAV; (ii) more than 1 year from the date of allotment Nil. #Investments in the Scheme may be affected by trading volumes, settlement periods, volatility, price fluctuations and risks such as liquidity, derivative, market, currency, lending & borrowing, credit & interest rate. For details on the risk factors, please refer to respective Scheme Information Documents. ^Investments in the scheme may be affected by trading volumes, settlement periods, volatility, price fluctuations, liquidity risks, derivative risk, market risk, risk relating to fluctuations in foreign exchange for investments in foreign securities, lending & borrowing risks, credit & interest rate risks relating to debt investment. IPDP, IPIF, IPTP, IPDF, IPMIP25, IPMIP and IPGFIPPF are only the names of the schemes and do not in any manner indicate either the quality of the Schemes or their future prospects and returns. Mutual Fund investments are subject to market risks. Please read the Scheme Information Document, Statement of Additional Information and Addendum(s) of the Schemes carefully before investing. In the preparation of the material contained in this document, ICICI Prudential Asset Management Company Ltd. (the AMC) has used information that is publicly available, including information developed in-house. Some of the material used in the document may have been obtained from members/persons other than the AMC and/or its affiliates and which may have been made available to the AMC and/or to its affiliates. Information gathered and material used in this document is believed to be from reliable sources. The AMC however does not warrant the accuracy, reasonableness and / or completeness of any information. We have included statements / opinions / recommendations in this document, which contain words, or phrases such as will, expect, should, believe and similar expressions or variations of such expressions, that are forward looking statements. Actual results may differ materially from those suggested by the forward looking statements due to risk or uncertainties associated with our expectations with respect to, but not limited to, exposure to market risks, general economic and political conditions in India and other countries globally, which have an impact on our services and / or investments, the monetary and interest policies of India, inflation, deflation, unanticipated turbulence in interest rates, foreign exchange rates, equity prices or other rates or prices etc. All figures and other data given in this document is dated. The same may or may not be relevant at a future date. Prospective investors are therefore advised to consult their own legal, tax and financial advisors to determine possible tax, legal and other financial implication or consequence of subscribing to the units of ICICI Prudential Mutual Fund. ICICI Prudential Asset Management Company Limited (including its affiliates), the Mutual Fund, The Trust and any 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 any loss of profit in any way arising from the use of this material in any manner. The recipient alone shall be fully responsible/are liable for any decision taken on this material.

19

Badi badi khushiyaan, chotti chotti kishton se banayen.

ICICI Prudential -

Systematic Investment Plan

SMS INVEST to 58558 CALL MTNL/BSNL : 1800 222 999 Others : 1800 200 6666
or apply online at www.icicipruamc.com