Robo- Advisory Services And Investment Portfolio Management At ICICI Securities Ltd

Abstract

This study, titled "Robo- Advisory Services and Investment Portfolio Management at ICICI Securities Ltd," evaluates the structural shifts, cost efficiency, and performance dynamics of retail investment portfolios managed by automated robo-advisory algorithms. Robo-advisory services leverage automated Modern Portfolio Theory (MPT) and real-time asset rebalancing algorithms to construct customized investment allocations. A five-year project lifecycle (2021-2025) of ICICI Securities robo-wealth platform deployment is analyzed using capital budgeting metrics: Net Present Value (NPV), Internal Rate of Return (IRR), Payback Period (PBP), and Benefit-Cost Ratio (BCR). Quantitative analysis indicates that robo-advisory platforms maintain standard fee models ranging from 0.15% to 0.25%, compared to 1.2% to 2.2% under traditional wealth managers. The platforms Assets Under Management (AUM) expanded to 4,100 Crores, supporting 280,000 active portfolios by 2025. Annual return volatility comparisons show that automated rebalancing maintains stable, high-performance portfolios averaging 12% to 15%. The financial evaluation yields a positive NPV of 284.5 Crores and an IRR of 38.6%, indicating strong project feasibility. The study concludes that deploying consumer-focused robo-advisory portals is highly viable, enabling commercial brokerage platforms to optimize customer acquisition costs and support retail wealth inclusion. Keywords: Robo-Advisory, Wealth Management, Asset Allocation, Volatility, Capital Budgeting, Financial Feasibility, ICICI Securities, Retail Portfolios.