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

We don't give personal investment advice. ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW 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: 2.3%. 5-year CAGR: 1.07%.

ICICI Prudential

ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW

Latest NAV

₹13.1750

As of

17 Jul 2026

3,126 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	+0.01%	+0.01%	0.00	41 / 60	Q3
1W	-0.07%	-0.06%	-0.01	41 / 60	Q3
2W	-0.20%	-0.13%	-0.06	45 / 60	Q3
1M	+0.79%	+0.04%	+0.75	6 / 60	Q1
3M	+1.39%	+0.62%	+0.78	20 / 60	Q2
6M	+1.91%	+1.01%	+0.90	18 / 60	Q2
YTD	+1.66%	+0.57%	+1.09	16 / 60	Q2
1Y	+1.55%	+1.29%	+0.26	17 / 60	Q2
2Y	+1.74%	+2.22%	-0.48	20 / 60	Q2
3Y	+1.43%	+1.98%	-0.56	20 / 57	Q2
4Y	+1.16%	+1.93%	-0.78	19 / 52	Q2
5Y	+1.07%	+1.64%	-0.57	16 / 50	Q2
7Y	+0.62%	+1.46%	-0.84	18 / 47	Q2
10Y	+2.16%	+1.38%	+0.78	11 / 37	Q2
Inception	+2.16%	+2.02%	+0.14	22 / 57	Q2

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	+1.66%	+0.54%	+1.12	13 / 51
2025	+2.06%	+2.37%	-0.30	19 / 52
2024	+0.61%	+2.35%	-1.74	29 / 53
2023	+0.64%	+2.08%	-1.44	21 / 51
2022	+0.43%	+1.10%	-0.67	16 / 50
2021	-0.03%	-0.84%	+0.81	18 / 50
2020	+0.01%	+2.60%	-2.59	32 / 47
2019	+0.68%	+1.86%	-1.18	28 / 45
2018	+3.80%	+1.66%	+2.15	8 / 46
2017	+5.42%	+0.89%	+4.53	8 / 46
2016	+10.33%	+2.60%	+7.74	5 / 43

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

+2.10%

146 windows

min -5.9% · max 11.2%

79% positive

3-Year rolling

+2.17%

122 windows

min -1.6% · max 7.2%

88% positive

5-Year rolling

+2.03%

98 windows

min -0.6% · max 4.4%

96% positive

7-Year rolling

+1.94%

73 windows

min 0.3% · max 4.1%

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

2.94%

3-year · annualised

Sharpe ratio

-1.71

vs risk-free 6.5%

Sortino ratio

-2.39

Downside-only deviation

Max drawdown

-2.18%

Dec 2025 → Apr 2026

% positive months

66.7%

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 - Direct Plan	HDFC	₹10.0100	17 Jul 2026
NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option	Nippon India	₹22.8275	17 Jul 2026
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,547.1581	17 Jul 2026
Invesco India Banking and PSU Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,063.0787	17 Jul 2026
Bandhan Banking and PSU Fund - Direct Annual IDCW	Bandhan	₹12.3368	17 Jul 2026
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹106.6001	17 Jul 2026
Franklin India Banking and PSU Debt Fund - Direct - IDCW	Franklin India	₹11.5230	17 Jul 2026
Mirae Asset Banking and PSU Fund - Direct Plan - IDCW	Mirae Asset	₹13.9587	17 Jul 2026
Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹10.2435	17 Jul 2026
Edelweiss Banking and PSU Debt Fund - Direct Plan - IDCW Option	Edelweiss	₹18.6172	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.1750
16 Jul 2026	₹13.1738
15 Jul 2026	₹13.1647
14 Jul 2026	₹13.1551
13 Jul 2026	₹13.1864
10 Jul 2026	₹13.1840
9 Jul 2026	₹13.1750
8 Jul 2026	₹13.1677
7 Jul 2026	₹13.2014
6 Jul 2026	₹13.2063

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 PSU Debt Fund - Direct Plan - Quarterly IDCW is ₹13.1750. 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 - Quarterly IDCW has NAV history starting from 02 Aug 2013, a track record of about 12 years 11 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 - Quarterly IDCW 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 - Quarterly IDCW has delivered a absolute return of 1.55% — +0.26 pp ahead of the Banking & PSU Fund category average of 1.29%. The fund ranks #17 of 60 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW has delivered a CAGR of 1.43% — -0.56 pp behind the Banking & PSU Fund category average of 1.98%. The fund ranks #20 of 57 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW has delivered a CAGR of 1.07% — -0.57 pp behind the Banking & PSU Fund category average of 1.64%. 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 - Quarterly IDCW exactly 10 years ago would be worth approximately ₹123,881 today — a multiplier of 1.24×, based on the 10-year CAGR of 2.16%. The category average over the same window would have grown ₹1 lakh to ₹114,739.

A ₹10,000 monthly SIP in ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹620,903 today. That's an XIRR (money-weighted annualised return) of 1.35%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,269,885 (multiplier 1.06×). XIRR: 1.12%. 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 PSU Debt Fund - Direct Plan - Quarterly IDCW 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 1.64%; this fund delivered 1.07%.

The worst peak-to-trough decline ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW has experienced over the last 5-year window is 2.33% — its NAV fell from a high on 20 Sep 2021 to a low on 04 Feb 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 PSU Debt Fund - Direct Plan - Quarterly IDCW averaged 2.03% (best 4.41%, worst -0.60%). 96% of rolling windows ended positive. The 5-year Sharpe ratio is -1.88 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW returned 2.06% — lagging the Banking & PSU Fund category average of 2.37% by 0.30 pp. It ranked #19 of 52 in its category that year.

ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW 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 - Quarterly IDCW 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: 2.3%. 5-year CAGR: 1.07%.

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