TABLE OF CONTENTS

S. No. CONTENTS Page No

1 Introduction 4

2 Review of Literature 5-10

3 Objectives of the Study 11

4 Statement of the Problem 12

6 Research Methodology
• Nature of the Study
• Need of the Study
13-16
• Scope of the Study
• Data Collection
Methods
• Tools for Analysis
7 Industry Profile 17

8 Company Profile 18-19

9 Chapterisation 20

Bibliography 21
 INTRODUCTION

In the dynamic and competitive financial landscape of 2024, making informed investment

decisions have become more critical than ever. ICICI Bank, one of India's leading private

sector banks, plays a pivotal role in guiding individuals, institutions, and businesses towards

sound financial planning and investment strategies. This project, Investment Decision
(ICICI

Bank), aims to analyze and evaluate the frameworks, tools, and methodologies employed by

ICICI Bank to assist clients in making optimal investment choices.

The study explores ICICI Bank's diverse range of financial products and services, including

mutual funds, fixed deposits, equity-linked instruments, insurance, and loan-linked

investment options. It also delves into the factors influencing investment decisions, such as

market trends, risk appetite, regulatory changes, and economic indicators. With a focus on

the latest technological advancements and customer-centric approaches, this project

highlights ICICI Bank's commitment to empowering investors by leveraging AI-driven

financial advisory, real-time data analytics, and personalized investment solutions. By

examining these aspects, the project seeks to provide a comprehensive understanding of

ICICI Bank aligns its strategies with the evolving needs of modern investors, ensuring

sustainable financial growth.

Investment decisions are central to any financial institution's success, particularly for a

leading private sector bank like ICICI. These decisions involve allocating financial
resources

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across various avenues to generate optimal returns while managing associated risks.

Review of Literature

ICICI Bank adopts a structured and customer-centric approach to investment decisions,

aiming to meet diverse financial goals while balancing risk and returns. The bank offers a

wide array of investment options, including fixed deposits, mutual funds, equities, bonds,

insurance-linked products, and portfolio management services. These products cater to

individuals, businesses, and institutional clients.

ARTICLE 1

Title: Best SIP Plans to Invest in 2024"

Author: ICICI Bank Team

Publication: ICICI Bank Official Blog

Abstract: This article explores the advantages of Systematic Investment Plans (SIPs) and

highlights top-performing funds like the ICICI Prudential Smallcap Fund and ICICI

Prudential Technology Fund. It provides insights into selecting SIPs based on financial
goals,

risk tolerance, and market trends, making it a comprehensive guide for investors in 2024.

Factors such as consistency, market volatility, and compounding benefits are also discussed.

Source: ICICI Bank Blog.

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investment themes, including sectors benefiting from increased capital expenditure, such as

steel, cement, and real estate. The report links these opportunities to GDP growth, corporate

earnings, and favorable economic conditions.

Source: Business Today.

ARTICLE 3

Title: A Study On Investment Decision Making Of Casual Investors In Risky

Instruments

Authors: Sharma, Meenakshee, Chhattisgarh Swami Vivekanand Technical University

Publication year: 2013

Abstract:

Investors hedge their funds by investing in a portfolio of high and low risk instruments.
Many

portfolio management theories (such as Markowitz Portfolio Utility Theory, Sharpe Single

Index Model and Capital Asset Pricing Method) have been proposed in an attempt to design

an optimal portfolio. However, casual investors do not have detailed knowledge of these

theories or calculations involved therein to make an informed investment. Casual investors

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form a big chunk of prospects for the financial services companies. These firms attempt to

such investors by developing financial products that seem to provide high returns with low

risk.

Keywords: Arts and Humanities, Arts and Recreation, Humanities Multidisciplinary.

ARTICLE 5

Title: Factors Influencing Investment Decision Making Process A Select Study

Author: Amit Agrawal

Publication year: 2020

Abstract: The process of Capital Formation (Saving and Investment) is of prime

for any country and same is true with India. It is considered as the fuel for g rowth engine
of

any economy. Gross Domestic Capital Formation as a percentage to GDP at current market
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price in India was 31.4, in the year 2017-18 (RBI Annual Report, 2017-18), with a
household

share of just 12.1 (RBI Annual Report, 2017-18). A high gr owth in capital formation rate

cannot be expected without active participation of households.

Despite of the excellent per capita income growth of India in last few years, households
share

in the saving- investment process has not increased significantly. To increase the
contribution

of households in the process of capital formation in India, importance of understanding

carry out this research is to explore the aspects and factors related to investment behaviour

of individual households. During the literature review it has been observed that apart from

demographic and cognitive factors there are many psychological and behavioural factors

which have their influence on the behaviour of household investors. A gap has been
identified

in literature for understanding the influence of such factors on Indian household

investors.

Keywords: Economics and Business, Management, Social Sciences.

ARTICLE 6

Title: A study of investment pattern through portfolio management approach

Authors: Hrishikesh J. Juikar

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Publication year: 2019

Abstract: The researcher has analyzed the primary data collected for the present study.

Various tools are used, such as frequency and percentage analysis, cross tabulation, chi-

square test, factor analysis, and regression test, non-parametric test done for answering of

conclusions. With the help of factor analysis data analysis is done, identifying the mean
score

of the factor helping to make proper decision for making investment. Investment objectives

of the investor are analyzed in association with socioeconomic factors and priority for
saving

and investment. Demographic factor and reasons for change in the portfolio, investor s

preferences for source of information before investing money checked. Awareness about the

portfolio is verified with change in monthly financial requirement, factors affecting the

investment decisions, conditions for selecting a company, factors affecting.

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ARTICLE 8

Title : ICICI Bank - A Strong Buy on Robust Fundamentals and Growth Prospects"

Author: Lim Rui Wen

Publication: Markets Insider

Abstract: This analysis by a Wall Street analyst highlights ICICI Bank's strong deposit

franchise, robust asset quality, and expanding loan g rowth driven by rising domestic
demand.

The bank's digital innovations and effective credit underwriting are positioned as key
drivers

of its financial stability and gr owth potential. The report also forecasts improvements in

profitability and Return on Equity (ROE).

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ARTICLE 9

Title : “Best Mutual Funds to Invest in India"

Author: ICICI Bank Team

Publication: ICICI Bank Official Blog

Abstract: This guide details top mutual funds managed by ICICI, such as ICICI Pru Bharat

22 FOF and ICICI Pru Bluechip Fund. It provides criteria for fund selection, including risk

tolerance, investment horizon, and fund performance. The article also highlights the role of

expense ratios and fund manager expertise in making informed investment decisions.

Source: ICICI Bank Blog.

Article 10

Title : Fundamental Analysis of ICICI Bank – Company, Financials & More"

Author: Trade Brains

Publication: Tradebrains.in

Abstract: This comprehensive analysis delves into ICICI Bank's key metrics, including its

CASA ratio, NPA trends, and revenue gr owth. It highlights the bank’s efforts in risk

management, its strong capital adequacy, and increasing retail lending. Additionally, it

underscores ICICI Bank's robust profitability, making it an attractive option for investors

Source: Business today.

Objectives of the Study

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 1. To examine the practical usage of investment decision of ICICI BANK LIMITED.

2. To measure the present value of rupee invested.

3. To analyze the risk and uncertainty in ICICI BANK LIMITED.

4. To examine suggestions based on findin g s of the study.

5. To analyze about the investment industry

6. To measure about the investment decisions like e quity, bond, mutual fund, gold
and

life insurances.

7. To know the requirement of people investing in e quity, bonds, gold.

Statement of the Problem

Market Volatility: Fluctuating economic conditions and global market dynamics

the bank's ability to provide consistent returns and secure investments for its clients.

Risk P rofiling and P ersonalization: While ICICI employs advanced tools for risk

assessment, ensuring accurate alignment of investment products to diverse investor profiles

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remains a challenge.

Regulatory Constraints: Frequent changes in banking and investment regulations impact

the flexibility of investment options and customer satisfaction.

Competition in Financial Services: ICICI Bank faces stiff competition from other banks

and fintech companies, pressuring the institution to innovate rapidly while maintaining

profitability.

Client Education and Awareness: Many potential investors lack adequate knowledge
about

financial products, making it harder to convey the value of certain investment strategies.

RESEARCH METHODOLOGY

• Nature of the study:

This study explores the strategic and operational aspects of investment decision-

making at ICICI Bank, focusing on the bank's methodologies for catering to diverse

investor needs. It encompasses an in-depth analysis of financial products offered by

bank, such as mutual funds, fixed deposits, equity investments, and insurance-linked

instruments. The research examines the frameworks used by ICICI Bank to evaluate

market trends, conduct risk assessments, and align investments with customer
financial

goals. It also investigates how external factors, such as economic fluctuations,

strategies. Furthermore, the study aims to understand ICICI’s efforts in leveraging

digital solutions and AI-driven analytics to provide personalized financial planning

achieve sustainable growth. Through a combination of qualitative and quantitative

data, this study seeks to highlight the effectiveness, challenges, and innovations in

ICICI Bank's investment decision-making processes.

• Need of the study:

Investment decisions are pivotal in shaping financial stability and growth, both for

individuals and institutions. ICICI Bank, being a major player in India’s financial
sector,

offers a wide range of investment products and services that cater to diverse customer
needs. However, the dynamic nature of global markets, evolving customer
expectations,

and increasing competition from fintech disruptors necessitate a deeper understanding

of the bank’s investment decision-making framework. This study is essential to

how ICICI Bank aligns its offerings with market trends, mitigates risks, and leverages

technology to provide optimal solutions for investors. Additionally, examining the

bank's approach to balancing profitability with customer-centricity provides insights

into its strategies for sustaining growth in a competitive financial environment. Such
an

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analysis is critical for stakeholders to understand the bank’s impact on the investment

ecosystem and its adaptability to future challenges.

• Scope of the study:

The study on ICICI Bank's investment decisions encompasses an analysis of the

bank's diverse range of financial products, such as mutual funds, fixed deposits,

equities, bonds, and portfolio management services. It aims to understand the

strategic framework ICICI Bank employs to align its offerings with customer
needs,

market trends, and regulatory requirements. The research examines the role of

technology, such as AI-driven analytics and digital advisory platforms, in

decision-making and customer satisfaction. Additionally, it explores the bank's

approach to risk management, portfolio diversification, and aligning investments

with varying investor profiles.

This study extends to evaluating external factors like economic fluctuations,

competition from fintech companies, and policy changes impacting the bank's

strategies. Furthermore, it assesses ICICI Bank’s ability to foster long-term growth,

retain investor trust and adapt to evolving market conditions. The findings aim to

provide insights for stakeholders, policymakers, and financial analysts to

the bank’s contributions to the investment ecosystem and identify opportunities for

innovation and improvement.

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• Data collection methods:

The secondary data for the project regarding investment and various investment
decision. I have collected from websites, textbooks and magazine.

Secondary method:
The secondary data collection method includes:

The data related to Annual reports of ICICI Bank through websites. brochures and

material provided by ICICI BANK LTD.

The data collected from the magazines of the NSE, economic times, etc. Various

books relating to the investment capital market and other related topic.

ICICI Bank Analysis:

1. Investment to Total Assets Ratio (Trend Analysis)

ICICI Bank has strategically grown its investment portfolio while maintaining a

strong balance sheet. For FY2023, its net interest income rose by 30.9% due to

higher net interest margins and asset growth. The bank's investment in low-risk

assets supports its strong capital adequacy ratio (above regulatory requirements).

2. Risk-Return Analysis

ICICI Bank's risk management framework has reduced provisions for non-

performing assets (NPAs), with the net NPA ratio decreasing to 0.76% in FY2023.

This indicates improved asset quality, contributing to an increase in profitability.

3. Investment Trends (5 Years)

From FY2019–FY2023, ICICI Bank consistently improved its financial stability

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with a focus on retail and granular credit portfolios. Annual profitability and core
operating profit have shown healthy growth trends.

INDUSTRY PROFILE

ICICI Bank Limited is a banking sector company. The bank is engaged in

a range of banking and financial services, including commercial banking, retail

banking, project and corporate finance, working capital finance, insurance, venture

capital and private equity, investment banking, broking and treasury products and

services. The bank's business segments are retail banking, wholesale banking,
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treasury, other banking, life insurance, general insurance, and others. Its

international banking is focused on providing solutions for international banking

requirements of its Indian corporate clients and leveraging economic corridors

between India and the rest of the world. The bank caters to the financial need of

women entrepreneurs through its Self-Help Group (SHG) programme as part of its

microfinance initiatives.

The Bank undertakes such programmes directly and through its philanthropic arm,

ICICI Foundation for Inclusive Growth, with the aim of bringing a positive change

in the lives of the beneficiaries. The focus of ICICI Bank's programmes is on

promoting rural growth, especially among youth, farmers and women.

COMPANY PROFILE

ICICI Bank, founded in 1994, is a pioneer in India's private banking sector.

Headquartered in Mumbai, it provides a broad spectrum of services.

Including:

Retail Banking: Savings accounts, credit cards, and home loans.

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Corporate Banking: Large-scale business loans and financial advisory.

Investment Banking: Mergers, acquisitions, and fundraising.

Insurance Services: Through subsidiaries like ICICI Prudential.

With over 5,000 branches and 15,000 ATMs, ICICI Bank has expanded

internationally, establishing a presence in countries like the USA, UK, Canada, and

Singapore. Known for technological innovation, the bank introduced initiatives like

iMobile Pay and InstaBIZ to provide seamless digital banking experiences. Its

consistent growth stems from effective investment decisions and strategic

A Strong Global Presence:

ICICI Bank's commitment to global expansion is evident in its presence across key

markets. With over 5,000 branches and 15,000 ATMs spread across India, the bank

also has a significant international footprint, with operations in the USA, UK,
UAE,

and Singapore.

Digital Innovation and Customer Focus:

ICICI Bank has been at the forefront of digital innovation, leveraging technology
to

enhance customer experience and efficiency. Digital platforms like iMobile Pay
and

InstaBIZ empower customers to manage their finances seamlessly, anytime,

anywhere. The bank's focus on customer-centricity drives its continuous efforts to

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 provide innovative solutions and exceptional service.

Strategic Investments and Future Growth:

ICICI Bank's strategic investments and partnerships position it for sustained

and leadership in the banking industry. The bank's commitment to innovation,

customer focus, and strong financial performance make it a trusted partner for

individuals and businesses alike.

CHAPTERIZATION

• Introduction
• Review of Literature
• Objectives of the study
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• Statement of problems
• Research Methodology
• Industry Profile
• Company Profile
• Chapterization
• Bibliography

BIBLIGRAPHY

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JOURNALS

Business world Business Today

Emerald Group Publishing Limited 2013MCB UP Limited 2200

NEWSPAPERS:

Financial express Business line

3.WEBSITES:

www.mutualfundsindia.com www.crisil.com
www.licofindia.com
www.icicibankltd

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