Should I invest in ICICI Prudential Balanced Plan?

We don't give personal investment advice. ICICI Prudential Balanced Plan-Dividend is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 13.1%. 5-year CAGR: 9.53%.

ICICI Prudential

ICICI Prudential Balanced Plan-Dividend

Latest NAV

₹42.2700

As of

12 Jun 2026

4,971 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.29%	-0.20%	-0.09	15 / 34	Q2
1W	-1.16%	-0.58%	-0.58	29 / 34	Q4
2W	-2.87%	-2.05%	-0.81	30 / 34	Q4
1M	-1.63%	-0.35%	-1.28	29 / 34	Q4
3M	-1.77%	-0.48%	-1.29	23 / 34	Q3
6M	-6.84%	-5.78%	-1.06	20 / 33	Q3
YTD	-7.57%	-6.89%	-0.68	21 / 33	Q3
1Y	-4.60%	-5.67%	+1.07	13 / 33	Q2
2Y	+0.45%	-1.20%	+1.65	15 / 33	Q2
3Y	+9.80%	+6.94%	+2.86	15 / 33	Q2
4Y	+10.20%	+8.71%	+1.49	16 / 32	Q2
5Y	+9.53%	+6.88%	+2.64	11 / 30	Q2
7Y	+9.12%	+8.64%	+0.48	15 / 30	Q2
10Y	+6.65%	+7.59%	-0.94	18 / 29	Q3
Inception	+4.40%	+6.31%	-1.91	20 / 34	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-7.57%	-7.43%	-0.13	19 / 31
2025	+7.83%	+2.10%	+5.73	6 / 31
2024	+11.88%	+12.84%	-0.96	17 / 31
2023	+19.93%	+17.18%	+2.75	9 / 31
2022	+4.77%	+1.09%	+3.68	12 / 31
2021	+31.32%	+23.51%	+7.81	5 / 31
2020	+2.48%	+10.62%	-8.13	26 / 31
2019	-3.90%	+3.54%	-7.44	29 / 32
2018	-12.67%	-7.66%	-5.01	25 / 32
2017	+10.26%	+16.43%	-6.18	27 / 32
2016	+4.72%	+2.00%	+2.72	8 / 26

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+6.88%

234 windows

min -52.5% · max 59.0%

65% positive

3-Year rolling

+6.01%

210 windows

min -14.1% · max 24.1%

76% positive

5-Year rolling

+5.83%

186 windows

min -6.5% · max 21.2%

80% positive

7-Year rolling

+5.27%

161 windows

min -1.4% · max 12.0%

94% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

8.37%

3-year · annualised

Sharpe ratio

0.39

vs risk-free 6.5%

Sortino ratio

0.66

Downside-only deviation

Max drawdown

-13.06%

Sep 2024 → Mar 2025

% positive months

72.2%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Aggressive Hybrid Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA AGGRESSIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	12 Jun 2026
SBI Magnum Balanced Fund - Dividend	SBI	₹64.9981	12 Jun 2026
ICICI Prudential Balanced Plan-Growth Option	ICICI Prudential	₹394.6700	12 Jun 2026
FT India Balanced Fund-Dividend Plan	Franklin Templeton	₹27.7951	12 Jun 2026
Kotak Balance	Kotak Mahindra	₹36.9910	12 Jun 2026
DSP BlackRock Balanced Fund-Dividend	DSP BlackRock	₹26.6500	12 Jun 2026
Canara Robeco Balance - Dividend Plan	Canara Robeco	₹90.1700	12 Jun 2026
UTI â€“ Balanced Fund-Growth	UTI	₹395.3873	12 Jun 2026
PGIM India Aggressive Hybrid Equity Fund - Dividend Option	PGIM India	₹13.3500	11 Jun 2026
Birla Sun Life 95 Fund-Plan A (Dividend)	Birla Sun Life	₹165.2700	12 Jun 2026

Recent NAVs

Date	NAV
12 Jun 2026	₹42.2700
11 Jun 2026	₹41.6600
10 Jun 2026	₹41.7800
9 Jun 2026	₹41.8800
8 Jun 2026	₹41.6400
5 Jun 2026	₹42.0000
4 Jun 2026	₹42.1500
3 Jun 2026	₹42.1200
2 Jun 2026	₹42.2200
1 Jun 2026	₹42.1600

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 12 Jun 2026, the NAV of ICICI Prudential Balanced Plan-Dividend is ₹42.2700. It's a Aggressive Hybrid Fund from ICICI Prudential, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Balanced Plan-Dividend has NAV history starting from 02 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

ICICI Prudential Balanced Plan-Dividend is managed by ICICI Prudential. It's classified by AMFI under the 'Aggressive Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Balanced Plan-Dividend has delivered a absolute return of -4.60% — +1.07 pp ahead of the Aggressive Hybrid Fund category average of -5.67%. The fund ranks #13 of 33 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Balanced Plan-Dividend has delivered a CAGR of 9.80% — +2.86 pp ahead of the Aggressive Hybrid Fund category average of 6.94%. The fund ranks #15 of 33 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ICICI Prudential Balanced Plan-Dividend has delivered a CAGR of 9.53% — +2.64 pp ahead of the Aggressive Hybrid Fund category average of 6.88%. The fund ranks #11 of 30 in its category — the second (Q2) quartile.

₹1 lakh invested in ICICI Prudential Balanced Plan-Dividend exactly 10 years ago would be worth approximately ₹190,403 today — a multiplier of 1.90×, based on the 10-year CAGR of 6.65%. The category average over the same window would have grown ₹1 lakh to ₹207,911.

A ₹10,000 monthly SIP in ICICI Prudential Balanced Plan-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹711,561 today. That's an XIRR (money-weighted annualised return) of 6.75%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Balanced Plan-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,828,534 (multiplier 1.52×). XIRR: 8.16%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Balanced Plan-Dividend ranks #11 out of 30 funds in the Aggressive Hybrid Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.88%; this fund delivered 9.53%.

The worst peak-to-trough decline ICICI Prudential Balanced Plan-Dividend has experienced over the last 5-year window is 13.06% — its NAV fell from a high on 26 Sep 2024 to a low on 04 Mar 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, ICICI Prudential Balanced Plan-Dividend averaged 5.83% (best 21.21%, worst -6.46%). 80% of rolling windows ended positive. The 5-year Sharpe ratio is 0.33 — weak risk-adjusted performance.

In calendar year 2025, ICICI Prudential Balanced Plan-Dividend returned 7.83% — beating the Aggressive Hybrid Fund category average of 2.10% by 5.73 pp. It ranked #6 of 31 in its category that year.

ICICI Prudential Balanced Plan-Dividend is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. ICICI Prudential Balanced Plan-Dividend is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 13.1%. 5-year CAGR: 9.53%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.