Tax Saving Investment Products

Tax & Investments - ELSS

Franklin India Taxshield
There's a good reason why Franklin India Taxshied is still the largest tax-planning fund despite an average performance in the recent past. It has a great long-term performance, a focused approach and a large-cap orientation, making it the ideal choice as the core holding of any long-term portfolio. The fund has largely followed a buy and hold strategy for many stocks. This fund may not look flashy right now but it's definitely a matured player.

HDFC Taxsaver
This fund has a knack for making the competition look silly. Its rating has never gone below four stars in its rating history of 100 months. Since November 2004, it has steadfastly held on to a five-star rating. Known for its astute stock picking and stellar performance, it has also shown resilience while protecting the downside time and again. We would recommend the fund as a core holding.

Magnum Taxgain
Magnum Taxgain has emerged as the prodigious son of the ELSS category. One that, every investor would be extremely proud of owning. It had been ranked number 1 for three consecutive years from 2004-2006 though its ranking slipped in 2007. Of late it has shown an ability to efficiently manage market crashes. Historically the fund has been known to lose more than the category in bearish markets.

Sundaram BNP Paribas Taxsaver
Sundaram Tax Saver fund has emerged as category beating player for the past few years. The fund delivered 68 per cent returns compared to the tax planning category's average return of 56 per cent returns in 2007. Not only about the returns, the fund has also shown resilience during the period of markets falls. In March last year when the markets had tanked, the fund had restricted its fall to the category average's 6 per cent decline

ICICI Prudential Tax Plan
This fund has the calibre to reward you well but it will definitely test your nerves. Invest in it only if the ups and downs of the markets do not bother you much. The fund is not only aggressive in selecting stocks but also tends to churn its portfolio quite frequently. But it spreads its portfolio across over 60 stocks to partially mitigate the risks that come with investing in smaller stocks.

Tax & Insurance

ULIP AND ULPP

SmartKid New Unit-linked Single Premium (ULIP)

Benefits:
Regular payouts: As your child approaches key educational milestones such as 12th standard or graduation exams, he or she will receive regular payouts, guaranteeing he or she continues to study, no matter what the circumstance.
Death Benefit: Your child will receive the Sum Assured immediately, should something happen to you. ICICI Prudential will pay the remaining premiums, ensuring your child continues to receive policy benefits, as always.
Tax benefits: Premiums you pay for a SmartKid policy are eligible for tax savings [u/s 80(C)]. Maturity and death benefits are eligible for tax exemptions [u/s 10(10D)].

LifeStage Pension (ULPP)

LifeTime Super Pension (ULPP)

Benefits:
5 annuity options: You can pick one option based on how long you want your annuity to last and the extent of coverage you want. 7 investment funds: You can select among seven different investment funds based on your financial goals and risk profile. You can switch funds 4 times a year, at no cost. For subsequent switches you will be required to pay a switch fee of Rs. 100. Tax benefits: Receive up to one-third of the accumulated value as a tax-free lumpsum on your retirement day. Also enjoy tax benefits on the premiums you pay (under u/s 80 CCC) and tax exemptions on death benefits [under u/s 10 (10 D)].

Tax & Health

Hospital Care

Benefits
- Facility of cashless hospitalisation in more than 3000 network hospitals
- Benefit amount will be paid in addition to payment received by you from other medical insurance plans
- Tax benefits on premium paid up to Rs.15,000 under Section 80D.

Health Advantage Plus - is an unique health insurance policy that covers unexpected medical emergencies like hospitalisation costs as well as Outpatient Treatment Expenses (OPD) tax-saving benefit under Section 80 D of the Income Tax Act.

Comprehensive Health Insurance - For the first time in India, one single policy takes care of the hospitalisation expenses of your entire family. Family Floater Health Plan takes care of all the medical expenses during sudden illness, surgeries and accidents.

Critical Care - Accidental Death + Major Medical Illness cover with a high sum insured at a very low premium.

Disclaimer:
ICICI Securites Ltd. , Member of National Stock Exchange of India Ltd., SEBI Regn. No. INB 230773037 (CM), SEBI Regn. No. INF 230773037 (F&O), Bombay Stock Exchange Ltd., SEBI Regn. No. INB011286854 (CM) , SEBI Regn No. INF010773035 (F&O). AMFI Regn. No.: ARN-0845 ,  Corporate Agent of ICICI Prudential & ICICI Lombard, Composite Corporate Agent License No. 2613930 . Registered office: ICICI Centre, H. T. Parekh Marg, Churchgate, Mumbai - 400020. Coporate Office : Shree Sawan Knowledge Park, Plot No. D-507, T.T.C. Industrial Area, MIDC, Turbhe, Navi Mumbai - 400705. The online services of I-Sec are offered through www.icicidirect.com.
The contents herein above shall not be considered as an invitation or persuasion to trade or invest.Kindly read the Risk disclosure document carefully before investing in securities and other instruments traded on the stock exchanges. and Pl note that Mutual Fund Investments  are subject to market risks, read the offer document carefully before investing for full understanding and detail. Insurance is the subject matter of solicitation.ICICI Securities Ltd.does not underwrite the risk or acts as an insurer.
Adequate efforts have been taken to ensure that material contained is error free. The material given is only intended to provide general information to the investors and is neither designed nor intended to be a substitute for professional tax advice. The material is not exhaustive and is not intended to be advice on any particular matter. Individuals should cross check a ll the facts, law and contents with the text of the prevailing statutes or seek appropriate professional advice before acting on the basis of any information contained herein as the taxation implications may vary depending upon the facts in each case and the tax laws are subject to change from time to time. ICICI Securities Ltd expressly disclaims any liability to any person,in respect of anything done or omitted to be done by any such person by placing reliance upon the contents of this presentation.