Should I invest in ICICI Prudential Banking and PSU Debt Fund - Bonus?

We don't give personal investment advice. ICICI Prudential Banking and PSU Debt Fund - Bonus is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.9%. 5-year CAGR: 8.19%.

ICICI Prudential

ICICI Prudential Banking and PSU Debt Fund - Bonus

Latest NAV

₹15.8889

As of

24 Apr 2020

1,319 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	-0.64%	-0.02%	-0.62	16 / 16	Q4
1W	+0.47%	+0.16%	+0.31	1 / 16	Q1
2W	+1.32%	+0.35%	+0.96	1 / 16	Q1
1M	+2.46%	+0.18%	+2.29	1 / 16	Q1
3M	+0.97%	+0.08%	+0.89	1 / 16	Q1
6M	+3.35%	+0.28%	+3.06	1 / 16	Q1
YTD	+1.50%	+0.34%	+1.16	1 / 16	Q1
1Y	+9.03%	+0.93%	+8.10	1 / 16	Q1
2Y	+7.95%	+2.54%	+5.41	1 / 16	Q1
3Y	+7.16%	+2.39%	+4.78	1 / 16	Q1
4Y	+7.92%	+2.47%	+5.45	1 / 16	Q1
5Y	+8.19%	+2.04%	+6.16	1 / 16	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.31%	+2.07%	+6.24	1 / 16	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
2020 YTD	+1.50%	+1.99%	-0.49	7 / 16
2019	+10.14%	+2.83%	+7.31	2 / 16
2018	+5.64%	+1.78%	+3.86	3 / 16
2017	+5.16%	+1.04%	+4.13	3 / 16
2016	+12.51%	+3.03%	+9.48	1 / 16
2015	+8.56%	+2.80%	+5.76	1 / 3
2014	—	—	—	—

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

+8.36%

55 windows

min 3.5% · max 13.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+7.89%

31 windows

min 6.5% · max 9.4%

100% positive

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

5-Year rolling

+8.34%

6 windows

min 7.9% · max 8.6%

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

2.72%

3-year · annualised

Sharpe ratio

0.19

vs risk-free 6.5%

Sortino ratio

0.32

Downside-only deviation

Max drawdown

-2.91%

Mar 2020 → Mar 2020

% positive months

91.7%

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 Banking & PSU Fund

Scheme	Fund house	NAV	As of
HDFC Banking and PSU Debt Fund - IDCW Option	HDFC	₹10.1283	3 Jun 2026
NIPPON INDIA BANKING and PSU FUND - WEEKLY IDCW Option	Nippon India	₹10.2586	3 Jun 2026
ICICI Prudential Banking and PSU Debt Fund - Quarterly IDCW	ICICI Prudential	₹10.9913	3 Jun 2026
Franklin India Banking and PSU Debt Fund - IDCW	Franklin India	₹10.9088	3 Jun 2026
Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹12.7834	3 Jun 2026
LICMF INCOME PLUS FUND - DAILY DIVIDEND OPTION	LIC	₹11.5900	3 Jun 2026

Recent NAVs

Date	NAV
24 Apr 2020	₹15.8889
23 Apr 2020	₹15.9914
22 Apr 2020	₹15.9275
21 Apr 2020	₹15.9218
20 Apr 2020	₹15.8841
17 Apr 2020	₹15.8144
16 Apr 2020	₹15.7414
15 Apr 2020	₹15.7176
13 Apr 2020	₹15.7043
9 Apr 2020	₹15.6826

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 24 Apr 2020, the NAV of ICICI Prudential Banking and PSU Debt Fund - Bonus is ₹15.8889. It's a Banking & PSU Fund from ICICI Prudential, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Banking and PSU Debt Fund - Bonus has NAV history starting from 05 Nov 2014, a track record of about 11 years 6 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 PSU Debt Fund - Bonus is managed by ICICI Prudential. It's classified by AMFI under the 'Banking & PSU Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Banking and PSU Debt Fund - Bonus has delivered a absolute return of 9.03% — +8.1 pp ahead of the Banking & PSU Fund category average of 0.93%. The fund ranks #1 of 16 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Banking and PSU Debt Fund - Bonus has delivered a CAGR of 7.16% — +4.78 pp ahead of the Banking & PSU Fund category average of 2.39%. The fund ranks #1 of 16 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Banking and PSU Debt Fund - Bonus has delivered a CAGR of 8.19% — +6.16 pp ahead of the Banking & PSU Fund category average of 2.04%. The fund ranks #1 of 16 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Banking and PSU Debt Fund - Bonus exactly 5 years ago would be worth approximately ₹148,256 today — a multiplier of 1.48×, based on the 5-year CAGR of 8.19%. The category average over the same window would have grown ₹1 lakh to ₹110,616.

A ₹10,000 monthly SIP in ICICI Prudential Banking and PSU Debt Fund - Bonus over the last 5 years — total invested ₹600,000 — would be worth ₹730,282 today. That's an XIRR (money-weighted annualised return) of 7.78%.

ICICI Prudential Banking and PSU Debt Fund - Bonus doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹730,282 — XIRR 7.78%.

On a 5-year basis, ICICI Prudential Banking and PSU Debt Fund - Bonus ranks #1 out of 16 funds in the Banking & PSU Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.04%; this fund delivered 8.19%.

The worst peak-to-trough decline ICICI Prudential Banking and PSU Debt Fund - Bonus has experienced over the last 5-year window is 2.91% — its NAV fell from a high on 06 Mar 2020 to a low on 23 Mar 2020. 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 PSU Debt Fund - Bonus averaged 8.34% (best 8.58%, worst 7.85%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.49 — weak risk-adjusted performance.

In calendar year 2019, ICICI Prudential Banking and PSU Debt Fund - Bonus returned 10.14% — beating the Banking & PSU Fund category average of 2.83% by 7.31 pp. It ranked #2 of 16 in its category that year.

ICICI Prudential Banking and PSU Debt Fund - Bonus doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. ICICI Prudential Banking and PSU Debt Fund - Bonus is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.9%. 5-year CAGR: 8.19%.

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

ICICI Prudential Banking and PSU Debt Fund - Bonus

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Banking & PSU Fund

Recent NAVs

Frequently asked questions

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