ICICI Prudential

ICICI Prudential Banking and Financial Services Fund - Retail Dividend

Latest NAV

₹25.6500

As of

17 Jul 2026

4,399 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	+0.83%	+0.69%	+0.13	4 / 9	Q2
1W	+0.16%	-0.06%	+0.21	6 / 9	Q3
2W	+0.43%	+1.05%	-0.62	4 / 9	Q2
1M	+2.81%	+3.31%	-0.50	3 / 9	Q2
3M	+2.44%	+2.74%	-0.30	6 / 9	Q3
6M	-20.22%	-3.36%	-16.86	9 / 9	Q4
YTD	-20.66%	-3.06%	-17.60	9 / 9	Q4
1Y	-18.78%	-0.51%	-18.27	9 / 9	Q4
2Y	-13.05%	+3.99%	-17.05	9 / 9	Q4
3Y	-8.21%	+13.35%	-21.56	9 / 9	Q4
4Y	-4.63%	+13.95%	-18.57	9 / 9	Q4
5Y	-6.52%	+10.22%	-16.73	9 / 9	Q4
7Y	-4.27%	+10.87%	-15.14	9 / 9	Q4
10Y	-1.77%	+10.03%	-11.80	9 / 9	Q4
Inception	+5.38%	+10.47%	-5.10	8 / 9	Q4

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	-20.66%	-3.41%	-17.25	7 / 7
2025	-4.50%	+8.84%	-13.34	7 / 7
2024	-5.98%	+14.74%	-20.72	7 / 7
2023	+0.00%	+18.76%	-18.76	7 / 9
2022	+1.02%	+8.46%	-7.44	9 / 9
2021	+10.76%	+23.38%	-12.61	9 / 9
2020	-15.01%	+3.87%	-18.88	9 / 9
2019	+3.56%	+9.64%	-6.08	9 / 9
2018	-12.07%	-4.46%	-7.61	8 / 9
2017	+31.90%	+28.82%	+3.08	4 / 9
2016	+15.00%	+10.01%	+4.99	2 / 9

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

+10.30%

206 windows

min -47.8% · max 132.0%

56% positive

3-Year rolling

+6.33%

182 windows

min -20.0% · max 38.1%

66% positive

5-Year rolling

+6.34%

158 windows

min -7.9% · max 21.9%

71% positive

7-Year rolling

+5.74%

133 windows

min -5.5% · max 19.8%

75% 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

20.91%

3-year · annualised

Sharpe ratio

-0.61

vs risk-free 6.5%

Sortino ratio

-0.71

Downside-only deviation

Max drawdown

-39.34%

Sep 2024 → Mar 2026

% positive months

52.8%

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 - Growth Option	HDFC	₹18.4020	17 Jul 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.8700	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹10.1960	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹72.8200	17 Jul 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹20.5340	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- Growth	Franklin India	₹9.6426	17 Jul 2026
Edelweiss Business Cycle Fund - Direct Plan - Growth	Edelweiss	₹8.9876	17 Jul 2026
DSP Banking & Financial Services Fund - Direct - Growth	DSP	₹15.5040	17 Jul 2026
DSP BlackRock India T.I.G.E.R. Fund - Regular Plan - Growth	DSP BlackRock	₹360.3840	17 Jul 2026
HSBC Business Cycles Fund - Direct Growth	HSBC	₹47.5736	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹25.6500
16 Jul 2026	₹25.4400
15 Jul 2026	₹25.5800
14 Jul 2026	₹25.4300
13 Jul 2026	₹25.6800
10 Jul 2026	₹25.6100
9 Jul 2026	₹25.2200
8 Jul 2026	₹25.0300
7 Jul 2026	₹25.6000
6 Jul 2026	₹25.6100

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 17 Jul 2026, the NAV of ICICI Prudential Banking and Financial Services Fund - Retail Dividend is ₹25.6500. It's a Sectoral/Thematic Fund from ICICI Prudential, run as a Retail plan Growth option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Banking and Financial Services Fund - Retail Dividend has NAV history starting from 25 Aug 2008, a track record of about 17 years 10 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 Banking and Financial Services Fund - Retail Dividend 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 - Retail Dividend has delivered a absolute return of -18.78% — -18.27 pp behind the Sectoral/Thematic Fund category average of -0.51%. The fund ranks #9 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ICICI Prudential Banking and Financial Services Fund - Retail Dividend has delivered a CAGR of -8.21% — -21.56 pp behind the Sectoral/Thematic Fund category average of 13.35%. The fund ranks #9 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Banking and Financial Services Fund - Retail Dividend has delivered a CAGR of -6.52% — -16.73 pp behind the Sectoral/Thematic Fund category average of 10.22%. The fund ranks #9 of 9 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Banking and Financial Services Fund - Retail Dividend exactly 10 years ago would be worth approximately ₹83,605 today — a multiplier of 0.84×, based on the 10-year CAGR of -1.77%. The category average over the same window would have grown ₹1 lakh to ₹260,023.

A ₹10,000 monthly SIP in ICICI Prudential Banking and Financial Services Fund - Retail Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹484,115 today. That's an XIRR (money-weighted annualised return) of -8.39%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Banking and Financial Services Fund - Retail Dividend = ₹1,200,000 invested. It would currently be worth ₹960,965 (multiplier 0.80×). XIRR: -4.47%. 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 - Retail Dividend ranks #9 out of 9 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 10.22%; this fund delivered -6.52%.

The worst peak-to-trough decline ICICI Prudential Banking and Financial Services Fund - Retail Dividend has experienced over the last 5-year window is 43.76% — its NAV fell from a high on 26 Oct 2021 to a low on 30 Mar 2026. 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 - Retail Dividend averaged 6.34% (best 21.95%, worst -7.86%). 71% of rolling windows ended positive. The 5-year Sharpe ratio is -0.51 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Banking and Financial Services Fund - Retail Dividend returned -4.50% — lagging the Sectoral/Thematic Fund category average of 8.84% by 13.34 pp. It ranked #7 of 7 in its category that year.

ICICI Prudential Banking and Financial Services Fund - Retail Dividend 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 - Retail Dividend 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: 43.8%. 5-year CAGR: -6.52%.

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