Should I invest in ICICI Prudential Banking and PSU Debt Fund Half Yearly IDCW Option?

We don't give personal investment advice. ICICI Prudential Banking and PSU Debt Fund - Direct Plan Half Yearly IDCW Option 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: 8.2%. 5-year CAGR: 1.03%.

ICICI Prudential

ICICI Prudential Banking and PSU Debt Fund - Direct Plan Half Yearly IDCW Option

Latest NAV

₹13.1098

As of

16 Sep 2022

1,903 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	-0.06%	+0.04%	-0.10	57 / 60	Q4
1W	-0.03%	+0.18%	-0.21	55 / 60	Q4
2W	+0.20%	+0.25%	-0.05	43 / 60	Q3
1M	-0.88%	+0.10%	-0.98	59 / 60	Q4
3M	+0.63%	-0.18%	+0.81	11 / 60	Q1
6M	+0.89%	+0.11%	+0.78	18 / 60	Q2
YTD	-0.72%	+0.01%	-0.73	51 / 60	Q4
1Y	+0.20%	+0.62%	-0.42	18 / 60	Q2
2Y	+0.60%	+2.02%	-1.42	25 / 60	Q2
3Y	+0.32%	+1.80%	-1.49	25 / 57	Q2
4Y	+0.32%	+1.90%	-1.58	30 / 51	Q3
5Y	+1.03%	+1.49%	-0.46	16 / 50	Q2
7Y	+3.67%	+1.49%	+2.18	11 / 47	Q1
10Y	—	—	—	—	—
Inception	+3.15%	+1.97%	+1.17	14 / 57	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
2022 YTD	-0.72%	+1.10%	-1.82	41 / 50
2021	-0.84%	-0.84%	+0.00	35 / 50
2020	-0.28%	+2.60%	-2.87	40 / 47
2019	+0.73%	+1.86%	-1.14	27 / 45
2018	+6.04%	+1.66%	+4.39	7 / 46
2017	+5.43%	+0.89%	+4.54	7 / 46
2016	+12.79%	+2.60%	+10.19	2 / 43
2015	+0.20%	+2.37%	-2.17	3 / 7
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

+3.73%

84 windows

min -2.3% · max 13.6%

73% positive

3-Year rolling

+3.60%

60 windows

min -1.3% · max 8.4%

85% positive

5-Year rolling

+3.63%

36 windows

min 1.0% · max 5.3%

100% positive

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

7-Year rolling

+3.55%

11 windows

min 3.3% · max 4.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

5.58%

3-year · annualised

Sharpe ratio

-1.08

vs risk-free 6.5%

Sortino ratio

-1.25

Downside-only deviation

Max drawdown

-7.31%

Feb 2020 → Mar 2020

% positive months

75.0%

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.

Peers in Banking & PSU Fund

Scheme	Fund house	NAV	As of
HDFC Banking and PSU Debt Fund - IDCW Option - Direct Plan	HDFC	₹10.0227	3 Jun 2026
NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option	Nippon India	₹22.3658	3 Jun 2026
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,520.0680	3 Jun 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹12.9930	3 Jun 2026
Invesco India Banking and PSU Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,062.6489	3 Jun 2026
Bandhan Banking and PSU Fund - Direct Annual IDCW	Bandhan	₹12.0978	3 Jun 2026
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹104.7496	3 Jun 2026
Franklin India Banking and PSU Debt Fund - Direct - IDCW	Franklin India	₹11.5390	3 Jun 2026
Mirae Asset Banking and PSU Fund - Direct Plan - IDCW	Mirae Asset	₹13.7262	3 Jun 2026
Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹10.2444	3 Jun 2026

Recent NAVs

Date	NAV
16 Sep 2022	₹13.1098
15 Sep 2022	₹13.1176
14 Sep 2022	₹13.1182
13 Sep 2022	₹13.1263
12 Sep 2022	₹13.1214
9 Sep 2022	₹13.1133
8 Sep 2022	₹13.1098
7 Sep 2022	₹13.1106
6 Sep 2022	₹13.1012
5 Sep 2022	₹13.0909

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 16 Sep 2022, the NAV of ICICI Prudential Banking and PSU Debt Fund - Direct Plan Half Yearly IDCW Option is ₹13.1098. It's a Banking & PSU 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 PSU Debt Fund - Direct Plan Half Yearly IDCW Option 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 - Direct Plan Half Yearly IDCW Option 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 - Direct Plan Half Yearly IDCW Option has delivered a absolute return of 0.20% — -0.42 pp behind the Banking & PSU Fund category average of 0.62%. The fund ranks #18 of 60 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Banking and PSU Debt Fund - Direct Plan Half Yearly IDCW Option has delivered a CAGR of 0.32% — -1.49 pp behind the Banking & PSU Fund category average of 1.80%. The fund ranks #25 of 57 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ICICI Prudential Banking and PSU Debt Fund - Direct Plan Half Yearly IDCW Option has delivered a CAGR of 1.03% — -0.46 pp behind the Banking & PSU Fund category average of 1.49%. The fund ranks #16 of 50 in its category — the second (Q2) quartile.

₹1 lakh invested in ICICI Prudential Banking and PSU Debt Fund - Direct Plan Half Yearly IDCW Option exactly 5 years ago would be worth approximately ₹105,250 today — a multiplier of 1.05×, based on the 5-year CAGR of 1.03%. The category average over the same window would have grown ₹1 lakh to ₹107,649.

A ₹10,000 monthly SIP in ICICI Prudential Banking and PSU Debt Fund - Direct Plan Half Yearly IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹602,096 today. That's an XIRR (money-weighted annualised return) of 0.14%.

ICICI Prudential Banking and PSU Debt Fund - Direct Plan Half Yearly IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹881,988 — XIRR 1.37%.

On a 5-year basis, ICICI Prudential Banking and PSU Debt Fund - Direct Plan Half Yearly IDCW Option ranks #16 out of 50 funds in the Banking & PSU Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 1.49%; this fund delivered 1.03%.

The worst peak-to-trough decline ICICI Prudential Banking and PSU Debt Fund - Direct Plan Half Yearly IDCW Option has experienced over the last 5-year window is 8.15% — its NAV fell from a high on 08 Aug 2019 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 - Direct Plan Half Yearly IDCW Option averaged 3.63% (best 5.30%, worst 1.03%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.01 — negative risk-adjusted performance.

In calendar year 2021, ICICI Prudential Banking and PSU Debt Fund - Direct Plan Half Yearly IDCW Option returned -0.84% — beating the Banking & PSU Fund category average of -0.84% by 0.00 pp. It ranked #35 of 50 in its category that year.

ICICI Prudential Banking and PSU Debt Fund - Direct Plan Half Yearly IDCW Option 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 - Direct Plan Half Yearly IDCW Option 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: 8.2%. 5-year CAGR: 1.03%.

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