Should I invest in ICICI Prudential Long Term Floating Rate Plan-Plan A?

We don't give personal investment advice. ICICI Prudential Long Term Floating Rate Plan-Plan A-Dividend is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.5%. 5-year CAGR: 0.31%.

ICICI Prudential

ICICI Prudential Long Term Floating Rate Plan-Plan A-Dividend

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	-0.37%	-9.99%	+9.61	801 / 1129	Q3
1W	-0.28%	-13.04%	+12.76	456 / 1151	Q2
2W	-0.14%	-13.18%	+13.05	416 / 1149	Q2
1M	-0.41%	-13.26%	+12.85	498 / 1137	Q2
3M	-0.54%	-13.15%	+12.61	734 / 1116	Q3
6M	-0.46%	-15.45%	+14.99	563 / 906	Q3
YTD	-0.10%	-15.77%	+15.67	464 / 952	Q2
1Y	-0.42%	-13.09%	+12.67	535 / 820	Q3
2Y	-0.16%	-12.72%	+12.56	315 / 446	Q3
3Y	+0.01%	-11.01%	+11.02	245 / 385	Q3
4Y	+0.31%	-6.52%	+6.83	208 / 339	Q3
5Y	+0.31%	-7.36%	+7.67	188 / 314	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.41%	-13.63%	+14.05	455 / 1199	Q2

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
2012 YTD	-0.10%	+1.38%	-1.48	251 / 295
2011	-0.17%	-3.16%	+2.99	225 / 317
2010	+0.20%	-5.78%	+5.98	232 / 377
2009	+1.03%	-12.86%	+13.88	322 / 713
2008	+1.67%	-2.02%	+3.69	130 / 380
2007	+0.90%	+4.84%	-3.94	115 / 142
2006	—	—	—	—

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

+0.46%

60 windows

min -0.4% · max 1.5%

83% positive

3-Year rolling

+0.53%

36 windows

min 0.0% · max 0.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+0.45%

11 windows

min 0.3% · max 0.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

0.56%

3-year · annualised

Sharpe ratio

-11.49

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-3.50%

Jul 2009 → Aug 2009

% positive months

50.0%

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.

Recent NAVs

Date	NAV
17 Feb 2012	₹10.3016
15 Feb 2012	₹10.3402
14 Feb 2012	₹10.3382
13 Feb 2012	₹10.3361
10 Feb 2012	₹10.3301
9 Feb 2012	₹10.3281
8 Feb 2012	₹10.3261
7 Feb 2012	₹10.3241
6 Feb 2012	₹10.3220
3 Feb 2012	₹10.3158

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.

ICICI Prudential Long Term Floating Rate Plan-Plan A-Dividend is a Income from ICICI Prudential (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

ICICI Prudential Long Term Floating Rate Plan-Plan A-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 Long Term Floating Rate Plan-Plan A-Dividend is managed by ICICI Prudential. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Long Term Floating Rate Plan-Plan A-Dividend has delivered a absolute return of -0.42% — +12.67 pp ahead of the Income category average of -13.09%. The fund ranks #535 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ICICI Prudential Long Term Floating Rate Plan-Plan A-Dividend has delivered a CAGR of 0.01% — +11.02 pp ahead of the Income category average of -11.01%. The fund ranks #245 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ICICI Prudential Long Term Floating Rate Plan-Plan A-Dividend has delivered a CAGR of 0.31% — +7.67 pp ahead of the Income category average of -7.36%. The fund ranks #188 of 314 in its category — the third (Q3) quartile.

₹1 lakh invested in ICICI Prudential Long Term Floating Rate Plan-Plan A-Dividend exactly 5 years ago would be worth approximately ₹101,574 today — a multiplier of 1.02×, based on the 5-year CAGR of 0.31%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in ICICI Prudential Long Term Floating Rate Plan-Plan A-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹601,504 today. That's an XIRR (money-weighted annualised return) of 0.10%.

ICICI Prudential Long Term Floating Rate Plan-Plan A-Dividend doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹601,504 — XIRR 0.10%.

On a 5-year basis, ICICI Prudential Long Term Floating Rate Plan-Plan A-Dividend ranks #188 out of 314 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -7.36%; this fund delivered 0.31%.

The worst peak-to-trough decline ICICI Prudential Long Term Floating Rate Plan-Plan A-Dividend has experienced over the last 5-year window is 3.50% — its NAV fell from a high on 31 Jul 2009 to a low on 28 Aug 2009. 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 Long Term Floating Rate Plan-Plan A-Dividend averaged 0.45% (best 0.53%, worst 0.31%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -11.49 — negative risk-adjusted performance.

In calendar year 2011, ICICI Prudential Long Term Floating Rate Plan-Plan A-Dividend returned -0.17% — beating the Income category average of -3.16% by 2.99 pp. It ranked #225 of 317 in its category that year.

ICICI Prudential Long Term Floating Rate Plan-Plan A-Dividend is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. ICICI Prudential Long Term Floating Rate Plan-Plan A-Dividend is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.5%. 5-year CAGR: 0.31%.

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