This advertisement is designed for a combination of benefits of two individual and separate products named, 1) ICICI Pru Signature and 2) ICICI Pru Guaranteed Income For Tomorrow. These products are also available for sale individually without the combination offered/suggested. The benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale

The biggest concern with investment is the risk that follows. The invested capital is subject to market risk. This means that there is always a possibility of losing your money. However, a capital guarantee plan allows you to invest in the market while safeguarding the invested capital.
This means 100% of the invested money is returned to you at the end of the investment period. With the surety of preserving your invested amount, you can create wealth without the constant worry of losing your money.

What is the Capital Guarantee Plan?

 what is capital guarantee

 what is capital guarantee

A capital guarantee plan is a unique financial solution that combines the features of a Unit Linked Insurance Plan (ULIP) and a guaranteed return plan. Similar to a ULIP, a capital guarantee investment plan allows you to invest in the market and earn market-linked returns. At the same time, the plan ensures that your capital is 100% secure and offers a guaranteed capital return at maturity. This means you get your entire invested amount back, irrespective of market conditions. In addition to this, you earn market-linked returns.

A capital guarantee solution plan also offers a life cover that protects the financial interests of your loved ones in your absence. You also get to claim tax2 benefits subject to the conditions of The Income Tax Act, 1961.

How Do Capital Guaranteed Investment Plans Work?

Below is an illustration to help you understand how this plan works:

capital invest

Meet Ravi Sharma

He is a 35-year-old Marketing Professional

Ravi smartly invests in

A capital guarantee solution plan for ten years.

₹ 10,000` p.m. for 10 years

He gets a guaranteed^ Income of ₹ 13.15 Lakh at maturity

₹ 10K


₹ 10K


₹ 10K


₹ 10K


₹ 10K


₹ 10K


₹ 10K


₹ 10K


₹ 10K


₹ 10K



The plan guarantees the safety of his invested capital


₹ 28.65 Lakh

At Maturity

₹ 13.15 Lakh

Additionally, @ ARR

₹ 15.5 Lakh

Total Maturity Benefit

₹ 28.65 Lakh

^ Conditions apply

`Goods and Services Tax and Cesses (if any) will be charged extra, as per applicable rates

Key Features & Benefits of Capital Guarantee Solution Plan

Below are some key features of a capital guarantee solution plan:

capital guarantee

Capital Guarantee

The major advantage of the capital guarantee solution plan is that you get 100% of the invested money back at the end of the policy term. The plan offers safety of capital along with any market-linked returns you earn at maturity.

Portfolio Flexibility

Market movements are known to affect types of instruments, differently. Having portfolio flexibility means being able to switch to the type of market instrument that works better for your portfolio to make the most of market movements.

With this in mind, this plan offers ample flexibility and allows you to switch between the available funds multiple times during the course of your investment. You can choose between 22 funds and switch back and forth to make the most of market movements completely free of cost. With the freedom to switch between funds, you can align your investments with evolving market trends and your financial goals. This allows you to customise your investment portfolio according to your risk tolerance and long-term objectives.

Wealth Creation

The capital guarantee plan enables you to build wealth and fulfil your goals with multiple different funds. You can invest in funds of your choice according to your goals. Apart from the funds, you can also choose between four portfolio investment strategies. The plan offers a Target Asset Allocation Strategy, Trigger Portfolio Strategy, Fixed Portfolio Strategy and Lifecycle-based Portfolio Strategy, each with its unique approach to investment.

Inbuilt Life Cover4

The plan protects your loved ones financially for the entire policy term. This ensures that your family is financially secure even in your absence.

Market-Linked Returns7

The capital guarantee plan is ideal for low-risk investors. The plan offers exposure to market-linked7 opportunities and a variety of fund options. You get market exposure and the possibility of capital growth, but at the same time, your invested money is secure, and the risk is relatively lower.

Flexibility of Withdrawal

The capital guarantee solution plan offers a Systematic Withdrawal Facility (SWP) that allows you to cover your liquidity needs. You can make free withdrawals with SWP and ensure financial liquidity in times of need or in case of emergencies.

Tax2 Benefits

The premiums paid under the policy are allowed as a deduction of up to ₹ 1.5 lakh per annum under Section 80C of the Income Tax Act, 1961. The returns received under the policy are also subject to tax2 benefits under Section 10(10D) of the Income Tax Act, 1961.

Who Should Invest in a Capital Guarantee Solution Plan?

Below are some things to consider when purchasing a capital guarantee solution plan:

Balanced investor

Balanced investor

Investors with a moderate-risk appetite looking for financial stability along with market-linked returns can invest in a capital guarantee plan. This can be ideal for salaried professionals as well as self-employed individuals looking to create a reliable avenue to pursue non-negotiable goals. The plan offers a diversified investment portfolio along with the guarantee to safeguard the invested capital.
Goal investor

Goal-based investor

A goal-based investor requires meticulous planning for life’s different milestones. Whether it is planning for your child’s higher education or purchasing a home, the plan helps you fulfil various goals at different stages of your life. You get the dual advantage of capital safety and market-linked returns.

Things to consider while buying a Capital Guarantee Plan

Below are some things to consider when purchasing a capital guarantee solution plan:

  • Risk appetite

    The capital guarantee plan strikes a balance by offering guaranteed and market linked returns. While your capital is 100% safe, you also get exposure to market opportunities and potential growth. As a result, this plan is more suited to investors with a moderate risk appetite.

  • Investment term

    The investment term can be chosen based on your goals. For instance, retirement is a long-term goal, whereas a car purchase may be a short-term goal. Your goals can help you pick a suitable policy term.

  • Investment Objectives

    The capital guarantee plan offers a balanced approach to risk by protecting your invested capital while enabling you to invest in a diversified portfolio. Whether you are aiming for long-term financial security, planning for major life events, or seeking a reliable investment avenue, the plan can help you achieve all these investment objectives.

  • Plan Features and Details

    It is essential to check and compare the unique features and benefits of a capital guarantee plan. This can help you make an informed decision. Make sure to go through the premium, features, fund options and other similar components.

Capital Guarantee Solution Plans offered by ICICI Pru Life

ICICI Prudential Life offers the ICICI Prudential Signature Capital Guarantee6-II plan. This capital guarantee solution plan offers you the potential for wealth creation, 100% safety of capital and tax benefits to secure your financial future.

Below are some features of this plan:

capital guarantee

100% safety of invested capital with market-linked returns7

Flexible Premium Payment Term (PPT) and Policy Term (PT) options

Financial growth1 with 3.25% of the fund value added every 5th year from the 10th policy year onward

Choice of 4 portfolio strategies and 22 funds spanning equity, debt, and balanced options

Tax2 benefits under section 80C and 10(10D) as per the Income Tax Act, 1961

Unlimited free withdrawals, including Systematic Withdrawal Plans (SWP3)

Zero premium allocation charges5 and the return of mortality and administrative charges5 at the end of the policy term

Comprehensive life cover4 for continued protection of your loved ones and peace of mind

Capital Guarantee
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1Wealth Boosters equal to 3.25% of the average of the Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters will be allocated as extra units to your policy at the end of every 5th policy year starting from the end of 10th policy year till the end of your policy term.
2Tax benefits under the policy are subject to conditions under Sections 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details.
3Systematic Withdrawal Plan is allowed only after the first five policy years. The total amount of withdrawals in a year does not exceed 20% of the Fund Value in a policy year. Please refer to the Sales brochure for more details.
4Life cover is the benefit payable on death of the life assured during the policy term.
5There are no premium allocation charges in Signature Online. Amount equal to total of mortality charges and policy administration charges deducted in the policy will be added back to the fund value at maturity, provided all due premiums have been received. This amount will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation. This shall exclude any extra mortality charges and taxes levied on the charges deducted as per prevailing tax laws.
6Guaranteed benefits will be payable, provided all due premiums have been paid. Guaranteed benefits are payable through lump sum option of ICICI Pru Guaranteed Income For Tomorrow.
7Wealth creation is through maturity benefit of ICICI Pru Signature Online.
The customer is requested to separately go through the product brochures of ICICI Pru Guaranteed Income For Tomorrow (UIN: , a non-linked, non-participating, life, individual, savings product) & ICICI Pru Signature (UIN: 105L177V06, a Linked Non-Participating Individual Savings Life Insurance Plan) to take the decision to opt for this combination solution after having fully understood the risk factors, product terms and conditions.
ADVT: W/II/1225/2023-24
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