OFFER DOCUMENT

Prudential ICICI Mutual Fund
received on redemption and the original amount invested will be subject to the capital gains tax as per Section 112
of the Income -tax Act, 1961.
For further details, please refer to the section on Tax Benefits on page 127.
g) Pledge of Units for loans
The Units can be pledged by the Unitholders as security for raising loans subject to the conditions of the lending institution.
The Registrar will take note of such pledge / charge in its records.
h) Systematic Investment Plan (SIP) .
The Unitholders of the Scheme can benefit by investing specific Rupee amounts periodically, for a continuous period.
The SIP allows the investors to invest a fixed amount of Rupees every month or quarter for purchasing additional Units of
the Scheme at NAV based prices. Investors can enroll themselves for SIP in the Scheme by ticking appropriate box on the
application form or by subsequently making a written request to that effect to the Registrar.
The Unitholders opting for SIP may begin their investment with an amount of Rs.1,000 in the Scheme.
The Unitholders who wish to invest on a monthly basis can invest a minimum of Rs.1000 or multiples thereof on a
monthly basis by providing the Registrar with at least eight post-dated cheques of Rs. 500 each. The cheques should be
dated 7 th or the 10 th of the respective months.
The Unitholders wishing to invest on a quarterly basis must provide the Registrar or the Customer Service Centre with at
least 4 post-dated cheques, for a minimum of Rs.1000 each.
The cheques should be drawn in favour of “Prudential ICICI Balanced Fund” and crossed “Account Payee Only”, and
must be payable at the centre where the Customer Service Centres of AMC are located. On receipt of the post-dated
cheques, the Registrar will send a letter to the Unitholder confirming that his/her name has been included in the Systematic
Investment Plan. The cheques will be presented on the dates mentioned on the cheque and subject to realization, Units
will be allotted at the Purchase Price on the date of receipt of advice about the net realization amount of the cheque.
Within 3 Business Days of such allotment, a fresh Account Statement/ Transaction Confirmation will be mailed to the
Unitholder, indicating the new balance to his/her credit in the Account. An investor will have the right to discontinue the
Systematic Investment Plan, subject to giving 14 day(s) prior notice to the Registrar.
i) Systematic Withdrawal Plan (SWP) .
Unitholders of the Scheme have the benefit of enrolling themselves in the Systematic Withdrawal Plan. The SWP allows
the Unitholder to withdraw a specified sum of money each month from his investments in the Scheme. SWP is ideal for
investors seeking a regular inflow of funds for their needs. It is also ideally suited to retirees or individuals who wish to
invest lumpsum and withdraw from the investment over a period of time. SWP shall not be available to investors
under the 54EA and 54EB plans until the expiry of the 3 or 7 year lock in period.
The minimum amount which the Unitholder can withdraw is Rs.500 and in multiples of Rs.500 thereof. The Unitholder
may avail of this plan by sending a written request to the Registrar. This plan will be available on an on-going basis.
The amount thus withdrawn by redemption will be converted into Units at Applicable NAV based prices and the number
of Units so arrived at will be subtracted from the Units balance to the credit of that Unitholder. The Fund may close a
Unitholder’s account if the balance falls below Rs.5,000 and the investor fails to invest sufficient funds to bring the value
of the account up to Rs.5,000 within 30 days, after a written intimation in this regard is sent to the Unitholder.
Unitholders may change the amount indicated in the SWP, subject to a minimum amount of Rs.500 and in multiples
thereof. The SWP may be terminated on a written notice by a Unitholder of the Scheme and it will terminate automatically
if all Units are liquidated or withdrawn from the account or upon the Funds receipt of notification of death or incapacity
of the Unitholder.
j) Flexible Lifetime Investment Programme
The ability to switch part or all of a Unitholder’s investments between the open ended Schemes offered by the Fund is an
important feature of this offer. Investors may choose to alter the allocation of their investment among the Schemes in
order to meet their changed investment needs, risk profiles or changing circumstances during their lifetime. A Unitholder
is therefore able to tailor his / her investment to his / her specific situation.
k) How to Switch
On an on-going basis, the Unitholders under the Scheme have the option to switch all or part of their investment from
the Scheme to any of the other open ended schemes offered by the Fund which is available for investment at that time,
subject to prevailing load structure. To effect a switch, a Unitholder must provide clear instructions. A request for a
switch may be specified either in terms of amount or in terms of the number of Units of the scheme from which the
switch is sought. Such instructions may be provided in writing or by completing the Switch Request Slip provided in the
transaction booklet and lodging the same on any Business Day at any of the Investor Service Centers. An Account
Statement/ Transaction Confirmation reflecting the new holdings will be despatched to the Unitholders within 3 Business
Days of completion of switch transaction. With the prior consent of the Unitholder, the account statement will be sent by
e-mail only.
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