Understanding the Participating
Fund: Principles and Management
Management of the Participating Fund-FY 2026
1. Fund Performance
Details of the consolidated investments managed by the Company across all three participating funds are provided below:
| Asset categories | |||
|---|---|---|---|
| Details | Equity | Debt | Overall |
| Asset mix for FY2025-2026 | 25.35% | 74.65% | 100% |
| 1-year return - FY 2026 | 0.48% | 3.25% | 2.62% |
| 3-year annualised return | 10.33% | 7.19% | 8.07% |
Please note, year on year returns may be volatile on account of economic, market and global conditions.
2. Bonuses declared:
The details of the bonuses declared by the Company are provided in the link below: https://www.iciciprulife.com/insurance-plans/revisionary-bonus-declaration.html
3. Return earned by the Customer
Further, for policies expected to mature across all applicable participating products, in the upcoming financial year 2026-27, the average IRR is expected to be 5.09%, with 96.1% of policies getting IRR more than 4% and maximum IRR going to 9.26%, provided the policies stay with us till the end of respective policy tenures and not get terminated earlier for any other reason.
Please note, these returns are for policies maturing in the coming year based on the fund performance earned during their respective investment period. However, the Company does not guarantee similar returns for policies maturing in the future years beyond the financial year 2026-27. Future returns can be higher or lower than these based on fund performance of the participating funds.
