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Return Guarantee Fund

What is the Return Guarantee Fund (RGF)?


  • The RGF is a closed ended debt fund of term 5 years.
  • The fund will be open for subscription for a limited period.
  • The NAV at the end of the RGF term is guaranteed.



How does the RGF work?


  • For new policies, if the customer opts for the RGF, only the first premium net of allocation charges is invested in the RGF.
  • The subsequent premiums are allocated in other funds as per the allocation specified by the customer at the inception of the policy
  • Existing policyholders can switch in money into the RGF from other funds, as long as it is open for subscription
  • At the end of the RGF term, the proceeds from RGF will be allocated into the other funds in the same proportion as the fund portfolio at that time. In exceptional case of the entire fund being invested in a guarantee fund at the time of termination, the proceeds would be allocated to the funds opted for at inception.
  • Top-ups are allowed into this fund, provided, the Top up is opted for during Subscription Period and allowed for the specified products.
  • Partial Withdrawals: Partial withdrawals are allowed as applicable, at the daily NAV
  • Surrenders: If the policy is surrendered before the end of the term of the RGF, the RGF units are encashed at the NAV as on that date. The Guarantee will cease to apply on surrender



Investment objective:


The fund seeks to provide guarantee returns through investment in a diversified portfolio of high quality fixed income instruments.


Portfolio Allocation Max (%) Min (%) FMC (%)
Debt, Money market & Cash 100 100 1.5

RGF Available with:



























Disclaimer :

© 2009, ICICI Prudential Life Insurance Co. Ltd
Registered Address: - ICICI Prulife Tower, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai-400025; Reg No: - 105
Insurance is the subject matter of the solicitation.
For more details on the risk factors, term and conditions please read sales brochure carefully before concluding the sale.
Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values and the customer shall be responsible for his/her decision. The names of the Company, Product names or fund options do not indicate their quality or future guidance on returns.
Funds apart from return guarantee fund do not offer guaranteed or assured returns.
Investments are subject to market risk.
In this policy, the investment risk in the investment portfolio is borne by the policy holder.
Tax benefits are as per the Income Tax Act, 1961, and are subject to any amendments made thereto from time to time.
Service tax & education cess will be charged extra as per applicable rates. Tax laws are subject to amendments from time to time.
Advt number: W/II/126/2008-09
Lifestage Pension: Form No U49: UIN 105L075V01, Lifetime Gold: Form No. – U53, UIN: 105L077VO1; Lifetime Super Pension: No. – U40, UIN: 105A019V01; Lifestage RP: No. – U48, UIN: 105L073V01; LifeLink Super : UIN 105L053V01; ICICI Pru Health Saver UIN 105L087V01; LifeLink Super Pension UIN:105L057V01; Premier Life Pension UIN - 105L074V01

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