ICICI Prudential Capital Guarantee Solution

ICICI Prudential Capital Guarantee Solution is a specifically designed unit linked investment product that combines the benefits of market-linked plans along with a guaranteed return plan. The important benefit is that your invested money is 100% guaranteed and will be retured back at the time of maturity. Combining the power of market-linked returns with the reassurance of capital guarantee, this solution is suitable for both seasoned investors and those who are first time investors.

Investment Plans

Generate wealth Earn 1 Cr^# in maturity with Zero LTCG tax^¶
Double tax savings^ On premiums (under 80C) and on maturity (under 10(10D))
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We are rated^~

7.7 Crore

Registered Consumer

Insurance Partners

4.2 Crore

Policies Sold

Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

What is ICICI Prudential Capital Guarantee Solution Plan?

The ICICI Prudential Capital Guarantee Solution is a unit linked investment plan that offers the benefits of both market-linked investments and guaranteed returns.

Here are the key features of the plan:

Capital guarantee: The plan guarantees the return of 100% of the premiums paid, irrespective of the market performance. This means that you are guaranteed to get back your money, even if the market crashes.
Market-linked investments: A portion of your premiums is invested in market-linked funds. These funds offer the potential for higher returns, but also carry the risk of losses.
Life cover: The plan also provides life cover, which means that your loved ones will receive a lump sum payment in the event of your death.

Investors can invest a certain amount of money in the Capital Guarantee Solution Plan. The invested amount is allocated into various financial instruments such as equities, debt securities, and other market-linked assets. This allows investors to participate in the potential growth of the financial markets.

The plan provides a guarantee that at the end of the investment term (maturity), the investor will receive back the entire amount they invested, irrespective of how the market performed during the investment period.

The ICICI Prudential offers ICICI Save “N” Grow Capital Guarantee Solution Plan. It is an excellent choice for investors seeking to safeguard their capital while also aiming for higher returns.

ICICI Prudential Save ‘N’ Grow Capital Guarantee Plan

The ICICI Prudential Save ‘N’ Grow Capital Guarantee Plan is a capital guarantee solution is a combination of ICICI Pru EzyGrow, a unit-linked plan and ICICI Pru Guaranteed Income For Tomorrow (GIFT), a guaranteed return plan along with a life cover. Under this plan, you are required to make premium payments for a specified duration, followed by a waiting period, after which you will be eligible to receive a lump sum amount.

Here are some of the key features of the ICICI Prudential Save ‘N’ Grow Capital Guarantee Plan:

100% capital guarantee on your investment
Potential for market-linked returns
Life cover
Tax benefits

What are the Benefits of ICICI Prudential Capital Guarantee Solution?

Here are some of the key benefits:

Capital Guarantee: The plan ensures that the amount invested will be returned as a 100% guaranteed lump sum at maturity. This means your principal is secure, and you won't incur any losses on the amount invested.
Wealth Creation Potential: The solution provides the opportunity to create wealth and achieve your financial goals. You have the flexibility to choose from 18 different funds across equity, balanced, and debt options. This diversification allows you to potentially earn higher returns based on your risk appetite and market conditions.
Tax Benefits: Under Section 80C and 10(10D) of the tax regulations, you can avail tax benefits on the premiums paid and the returns received. This helps in reducing your tax liability and enhances the overall post-tax returns.
Life Cover for Financial Security: Throughout the plan term, a life cover is available to protect your loved ones in case of unfortunate events. This ensures that your family remains financially secure even in your absence.
No Premium Allocation Charges: The policy comes with no premium allocation charges, which means the entire premium amount paid goes towards investment, maximizing your wealth creation potential.
Maturity Booster: ICICI Prudential adds additional units to your fund value at the end of the policy term, acting as a maturity booster. This helps in boosting your final corpus and increasing potential returns.
Free Switches Between Funds: You have the flexibility to switch between the available funds under ICICI Prudential Capital Guarantee Plans as many times as you want, and this facility is provided at no additional cost. This allows you to realign your investments based on market conditions or changing financial goals.
Systematic Saving with Withdrawal Flexibility: You can choose to invest in the policy on a monthly, half-yearly, or yearly basis according to your preference.

Eligibility of ICICI Prudential Save “N” Grow Capital Guarantee Solution

Parameters	Details
Entry Age	Min: 0 Max: 55
Premium Payment Term (PPT) for various Policy Term (PT)	For 7 PPT- 15 For 10 PPT- 20
Premium Payment Frequency	Annually/Monthly/Half-Yearly
Sum Assured	10 Times Annualised Premium

Who Should Buy ICICI Prudential Capital Guarantee Solution Plan?

This investment product is suitable for:

First-Time Investors:

This plan is ideal for individuals who are new to investing and want to explore market-linked returns with relatively lower risk. First-time investors can benefit from this plan as it provides a level of security while still participating in market growth.
Monthly Savers:

If you are someone who prefers making regular monthly deposits and desires market-linked returns without risking your invested amount, this plan is designed for you. Monthly savers can enjoy the potential benefits of market movements without worrying about the risk associated with their principal amount.
Regular Investors:

This plan caters to individuals who are actively involved in the market and seek a financial instrument that allows them to save and grow their money consistently. With the flexibility of investment and withdrawal, regular investors can take advantage of this plan's low charges and potentially build significant wealth over time.
Young Parents:

Young parents who want to secure their child's future, especially considering the rising costs of education, can find this plan beneficial. It helps in building wealth over the long term to fulfill important milestones and non-negotiable dreams for their children.
Tax-Saver:

For individuals looking to save on taxes while also seeking returns, this plan offers tax benefits on premiums paid and returns received, subject to conditions under Sections 80C and 10(10D). It can be an efficient way of saving tax while growing your investment.

How to Buy ICICI Prudential Capital Guarantee Solution Plan through Policybazaar?

Follow these steps to buy ICICI Prudential Capital Guarantee Solution Plan through Policybazaar:

Step 1: Go to the official website of Policybazaar (www.policybazaar.com).

Step 2: To get accurate quotes and information about the ICICI Prudential Capital Guarantee Solution Plan, you'll need to provide some essential details like investment amount, how long you want to stay invested for and the policy term.

Step 3: After entering your information, Policybazaar will provide you with a list of insurance plans that match your criteria. Look for the ICICI Prudential Capital Guarantee Solution Plan in the list.

Step 4: Click on the ICICI Prudential Capital Guarantee Solution Plan to view its complete details, coverage features, terms, and conditions.

Step 5: Policybazaar will also give an estimate of the amount that you will get on maturity based on the factors you have selected.

Step 6: Once you are satisfied with the plan, you can proceed to fill in the application form for the ICICI Prudential Capital Guarantee Solution Plan.

Step 7: You will be required to submit certain documents for verification, such as identity proof, address proof, and income-related documents.

Step 8: Make the premium payment for the chosen plan using your preferred payment method. Policybazaar supports various payment options, including credit/debit cards, net banking, UPI, etc.

After successful payment and verification of documents, you will receive the policy document via email or courier at your registered address.

Wrapping it up!

ICICI Prudential Capital Guarantee Solution presents a diverse range of investment plans to cater to various investor profiles and financial objectives. Whether you are a first-time investor seeking market-linked returns or a regular investor, a young parent aiming to secure your child's future, or a tax-saver interested in efficient tax planning, ICICI Prudential's Capital Guarantee Solution offers options tailored to your needs.

FAQs

What are premium paying terms available for ICICI Pru Capital Guarantee Plan?
- You can pay premiums for 7 years and get maturity benefit at the end of 15th year
- You can pay premiums for 10 years and get maturity benefit at the end of 20th year
What is the minimum and maximum premium which you can pay?

The minimum premium is as follows:

PPT-PT/Frequency Annual Half-yearly Monthly

7-15 50,000 28,500 5,000

10-20 28,000 22,500 3,850

The maximum premium is as follows:

PPT-PT/Frequency Annual Half-yearly Monthly

7-15 2,00,000 105,000 18,200

10-20 175,000 90,000 15,400
What is the minimum and maximum age at entry for this plan?

The minimum and maximum age at entry is as follows:

PPT-PT Minimum-Maximum Age at Entry

7-15 3-55

10-20 0-55

†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

Past 10 Years' annualised returns as on 01-12-2024

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%

¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.

**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).