Should I invest in ICICI Prudential Balanced Plan?

We don't give personal investment advice. ICICI Prudential Balanced Plan-Growth Option 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: 11.4%. 5-year CAGR: 16.21%.

ICICI Prudential

ICICI Prudential Balanced Plan-Growth Option

Latest NAV

₹391.7400

As of

3 Jun 2026

4,964 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	+0.13%	+10.29%	-10.16	22 / 37	Q3
1W	-1.58%	+9.11%	-10.69	26 / 37	Q3
2W	-0.57%	+9.94%	-10.51	25 / 37	Q3
1M	-2.09%	+9.09%	-11.18	29 / 37	Q4
3M	-2.42%	+8.02%	-10.45	20 / 37	Q3
6M	-4.73%	+5.31%	-10.05	14 / 36	Q2
YTD	-4.62%	+4.85%	-9.46	12 / 36	Q2
1Y	+1.87%	+7.28%	-5.41	10 / 36	Q2
2Y	+5.61%	+3.65%	+1.96	7 / 36	Q1
3Y	+15.91%	+9.44%	+6.47	4 / 36	Q1
4Y	+15.47%	+9.24%	+6.23	4 / 35	Q1
5Y	+16.21%	+8.27%	+7.94	4 / 33	Q1
7Y	+16.23%	+8.65%	+7.58	3 / 30	Q1
10Y	+15.49%	+7.76%	+7.73	2 / 28	Q1
Inception	+13.37%	+7.16%	+6.22	5 / 37	Q1

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	-4.62%	-6.67%	+2.06	7 / 31
2025	+12.76%	+13.04%	-0.28	4 / 34
2024	+17.21%	+11.71%	+5.51	6 / 34
2023	+27.33%	+15.66%	+11.67	3 / 34
2022	+11.70%	+1.00%	+10.70	3 / 34
2021	+41.23%	+21.44%	+19.79	3 / 34
2020	+8.79%	+9.68%	-0.88	17 / 34
2019	+9.07%	+3.54%	+5.53	7 / 32
2018	-1.64%	-7.66%	+6.02	7 / 32
2017	+23.84%	+16.43%	+7.41	5 / 32
2016	+13.26%	+2.00%	+11.26	1 / 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

+15.85%

234 windows

min -47.3% · max 77.2%

86% positive

3-Year rolling

+14.82%

210 windows

min -4.7% · max 31.8%

98% positive

5-Year rolling

+14.98%

185 windows

min 2.1% · max 27.5%

100% positive

7-Year rolling

+14.62%

161 windows

min 7.7% · max 21.1%

100% 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

9.61%

3-year · annualised

Sharpe ratio

0.92

vs risk-free 6.5%

Sortino ratio

1.66

Downside-only deviation

Max drawdown

-11.41%

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	3 Jun 2026
SBI Magnum Balanced Fund - Dividend	SBI	₹65.1273	3 Jun 2026
ICICI Prudential Balanced Plan-Dividend	ICICI Prudential	₹42.1200	3 Jun 2026
FT India Balanced Fund-Dividend Plan	Franklin Templeton	₹27.5483	3 Jun 2026
Kotak Balance	Kotak Mahindra	₹36.6150	3 Jun 2026
DSP BlackRock Balanced Fund-Dividend	DSP BlackRock	₹26.1570	3 Jun 2026
Canara Robeco Balance - Dividend Plan	Canara Robeco	₹89.4500	3 Jun 2026
UTI â€“ Balanced Fund-Growth	UTI	₹393.2851	3 Jun 2026
PGIM India Aggressive Hybrid Equity Fund - Dividend Option	PGIM India	₹13.4500	2 Jun 2026
Birla Sun Life 95 Fund-Plan A (Dividend)	Birla Sun Life	₹163.8600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹391.7400
2 Jun 2026	₹392.6600
1 Jun 2026	₹392.1500
29 May 2026	₹394.6200
27 May 2026	₹398.9400
26 May 2026	₹398.9800
25 May 2026	₹399.8900
22 May 2026	₹396.5000
21 May 2026	₹395.6400
20 May 2026	₹395.3700

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 03 Jun 2026, the NAV of ICICI Prudential Balanced Plan-Growth Option is ₹391.7400. 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-Growth Option 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-Growth Option 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-Growth Option has delivered a absolute return of 1.87% — -5.41 pp behind the Aggressive Hybrid Fund category average of 7.28%. The fund ranks #10 of 36 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Balanced Plan-Growth Option has delivered a CAGR of 15.91% — +6.47 pp ahead of the Aggressive Hybrid Fund category average of 9.44%. The fund ranks #4 of 36 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Balanced Plan-Growth Option has delivered a CAGR of 16.21% — +7.94 pp ahead of the Aggressive Hybrid Fund category average of 8.27%. The fund ranks #4 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Balanced Plan-Growth Option exactly 10 years ago would be worth approximately ₹421,989 today — a multiplier of 4.22×, based on the 10-year CAGR of 15.49%. The category average over the same window would have grown ₹1 lakh to ₹211,131.

A ₹10,000 monthly SIP in ICICI Prudential Balanced Plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹831,234 today. That's an XIRR (money-weighted annualised return) of 12.99%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Balanced Plan-Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,719,735 (multiplier 2.27×). XIRR: 15.62%. 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-Growth Option ranks #4 out of 33 funds in the Aggressive Hybrid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 8.27%; this fund delivered 16.21%.

The worst peak-to-trough decline ICICI Prudential Balanced Plan-Growth Option has experienced over the last 5-year window is 11.41% — its NAV fell from a high on 27 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-Growth Option averaged 14.98% (best 27.46%, worst 2.10%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.93 — reasonable risk-adjusted performance.

In calendar year 2025, ICICI Prudential Balanced Plan-Growth Option returned 12.76% — lagging the Aggressive Hybrid Fund category average of 13.04% by 0.28 pp. It ranked #4 of 34 in its category that year.

ICICI Prudential Balanced Plan-Growth Option 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-Growth Option 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: 11.4%. 5-year CAGR: 16.21%.

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