Should I invest in ICICI Prudential Banking and Financial Services Fund?

We don't give personal investment advice. ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 24.8%. 5-year CAGR: 1.60%.

ICICI Prudential

ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW

Latest NAV

₹64.9400

As of

3 Jun 2026

3,300 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	-0.41%	+0.27%	-0.68	225 / 249	Q4
1W	-3.34%	-1.33%	-2.01	236 / 249	Q4
2W	-1.34%	-0.44%	-0.90	205 / 251	Q4
1M	-2.79%	-0.98%	-1.81	207 / 251	Q4
3M	-7.70%	+0.91%	-8.61	227 / 249	Q4
6M	-16.75%	-3.35%	-13.40	226 / 241	Q4
YTD	-16.85%	-3.40%	-13.45	233 / 241	Q4
1Y	-12.81%	+2.11%	-14.92	207 / 225	Q4
2Y	-2.29%	+1.79%	-4.08	134 / 181	Q3
3Y	+1.88%	+12.30%	-10.42	134 / 142	Q4
4Y	+4.14%	+11.74%	-7.61	111 / 122	Q4
5Y	+1.60%	+8.93%	-7.33	108 / 111	Q4
7Y	+1.84%	+13.08%	-11.24	92 / 92	Q4
10Y	+5.74%	+12.03%	-6.29	74 / 77	Q4
Inception	+8.05%	+8.52%	-0.47	142 / 251	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	-16.85%	-2.64%	-14.20	231 / 237
2025	+6.94%	+1.49%	+5.45	60 / 204
2024	+3.46%	+20.10%	-16.64	152 / 158
2023	+8.53%	+30.21%	-21.67	128 / 131
2022	+6.52%	+1.48%	+5.03	45 / 119
2021	+16.23%	+31.54%	-15.31	82 / 106
2020	-10.97%	+19.90%	-30.87	94 / 95
2019	+7.93%	+6.43%	+1.50	30 / 87
2018	-7.38%	-9.17%	+1.79	34 / 78
2017	+37.17%	+32.45%	+4.73	30 / 77
2016	+21.64%	+2.96%	+18.68	5 / 77

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

+13.61%

152 windows

min -45.8% · max 99.5%

70% positive

3-Year rolling

+9.74%

127 windows

min -15.4% · max 36.2%

90% positive

5-Year rolling

+8.47%

103 windows

min -4.0% · max 24.2%

95% positive

7-Year rolling

+7.40%

79 windows

min 1.8% · max 15.6%

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

14.84%

3-year · annualised

Sharpe ratio

-0.24

vs risk-free 6.5%

Sortino ratio

-0.31

Downside-only deviation

Max drawdown

-23.20%

Jan 2026 → Mar 2026

% positive months

58.3%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan	HDFC	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Bharat Consumption Fund - Direct Plan - IDCW Option	ICICI Prudential	₹16.2800	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹64.9400
2 Jun 2026	₹64.8100
1 Jun 2026	₹65.0800
29 May 2026	₹65.7400
27 May 2026	₹66.7100
26 May 2026	₹67.0500
25 May 2026	₹67.3700
22 May 2026	₹66.2400
21 May 2026	₹65.6800
20 May 2026	₹65.7000

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 Banking and Financial Services Fund - Direct Plan - IDCW is ₹64.9400. It's a Sectoral/Thematic Fund from ICICI Prudential, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW is managed by ICICI Prudential. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW has delivered a absolute return of -12.81% — -14.92 pp behind the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #207 of 225 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW has delivered a CAGR of 1.88% — -10.42 pp behind the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #134 of 142 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW has delivered a CAGR of 1.60% — -7.33 pp behind the Sectoral/Thematic Fund category average of 8.93%. The fund ranks #108 of 111 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹174,691 today — a multiplier of 1.75×, based on the 10-year CAGR of 5.74%. The category average over the same window would have grown ₹1 lakh to ₹311,351.

A ₹10,000 monthly SIP in ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹594,937 today. That's an XIRR (money-weighted annualised return) of -0.33%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,400,738 (multiplier 1.17×). XIRR: 3.04%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW ranks #108 out of 111 funds in the Sectoral/Thematic Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 8.93%; this fund delivered 1.60%.

The worst peak-to-trough decline ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW has experienced over the last 5-year window is 24.83% — its NAV fell from a high on 26 Oct 2021 to a low on 20 Jun 2022. 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 Banking and Financial Services Fund - Direct Plan - IDCW averaged 8.47% (best 24.19%, worst -4.03%). 95% of rolling windows ended positive. The 5-year Sharpe ratio is -0.19 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW returned 6.94% — beating the Sectoral/Thematic Fund category average of 1.49% by 5.45 pp. It ranked #60 of 204 in its category that year.

ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 24.8%. 5-year CAGR: 1.60%.

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