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

We don't give personal investment advice. ICICI Prudential Banking and PSU Debt Fund - Growth 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: 0.8%. 5-year CAGR: 6.45%.

ICICI Prudential

ICICI Prudential Banking and PSU Debt Fund - Growth

Latest NAV

₹34.7276

As of

17 Jul 2026

3,993 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%	+0.02%	-0.01	6 / 6	Q4
1W	-0.07%	-0.05%	-0.03	4 / 6	Q3
2W	-0.21%	-0.13%	-0.08	6 / 6	Q4
1M	+0.76%	+0.54%	+0.22	2 / 6	Q2
3M	+1.82%	+1.55%	+0.27	4 / 6	Q3
6M	+3.14%	+2.85%	+0.29	4 / 6	Q3
YTD	+2.87%	+2.42%	+0.45	3 / 6	Q2
1Y	+5.36%	+5.17%	+0.18	2 / 6	Q2
2Y	+7.04%	+7.18%	-0.14	4 / 6	Q3
3Y	+7.15%	+7.06%	+0.10	2 / 5	Q2
4Y	+7.23%	+7.00%	+0.22	1 / 5	Q1
5Y	+6.45%	+6.15%	+0.30	1 / 5	Q1
7Y	+6.70%	+6.64%	+0.05	2 / 5	Q2
10Y	+7.07%	+7.05%	+0.02	2 / 5	Q2
Inception	+7.81%	+7.62%	+0.20	2 / 6	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	+2.87%	+2.90%	-0.02	3 / 5
2025	+7.62%	+7.58%	+0.04	3 / 5
2024	+7.84%	+7.82%	+0.02	2 / 5
2023	+7.31%	+6.90%	+0.41	1 / 5
2022	+4.27%	+3.52%	+0.75	1 / 5
2021	+4.17%	+3.81%	+0.36	1 / 5
2020	+9.19%	+9.99%	-0.79	4 / 5
2019	+10.14%	+10.61%	-0.47	5 / 5
2018	+5.64%	+5.21%	+0.43	5 / 6
2017	+5.16%	+5.74%	-0.57	6 / 6
2016	+12.51%	+10.50%	+2.01	1 / 6

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

+7.96%

190 windows

min 3.0% · max 14.2%

100% positive

3-Year rolling

+7.97%

165 windows

min 5.2% · max 11.2%

100% positive

5-Year rolling

+7.97%

141 windows

min 6.1% · max 10.3%

100% positive

7-Year rolling

+8.00%

117 windows

min 6.4% · max 9.5%

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

1.32%

3-year · annualised

Sharpe ratio

0.35

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.67%

May 2026 → May 2026

% positive months

94.4%

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 - Growth Option	HDFC	₹24.3114	17 Jul 2026
Nippon India Banking and PSU Fund- Growth Plan- Growth Option	Nippon India	₹21.9066	17 Jul 2026
Franklin India Banking & PSU Debt Fund - Growth	Franklin India	₹23.9221	17 Jul 2026
Kotak Banking and PSU Debt - Growth	Kotak	₹69.3660	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹34.7276
16 Jul 2026	₹34.7245
15 Jul 2026	₹34.7009
14 Jul 2026	₹34.6760
13 Jul 2026	₹34.7588
10 Jul 2026	₹34.7535
9 Jul 2026	₹34.7299
8 Jul 2026	₹34.7111
7 Jul 2026	₹34.8004
6 Jul 2026	₹34.8136

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 - Growth is ₹34.7276. It's a Banking & PSU Fund from ICICI Prudential, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Banking and PSU Debt Fund - Growth has NAV history starting from 04 Jan 2010, a track record of about 16 years 6 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 PSU Debt Fund - Growth 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 - Growth has delivered a absolute return of 5.36% — +0.18 pp ahead of the Banking & PSU Fund category average of 5.17%. The fund ranks #2 of 6 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Banking and PSU Debt Fund - Growth has delivered a CAGR of 7.15% — +0.1 pp ahead of the Banking & PSU Fund category average of 7.06%. The fund ranks #2 of 5 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ICICI Prudential Banking and PSU Debt Fund - Growth has delivered a CAGR of 6.45% — +0.3 pp ahead of the Banking & PSU Fund category average of 6.15%. The fund ranks #1 of 5 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Banking and PSU Debt Fund - Growth exactly 10 years ago would be worth approximately ₹197,954 today — a multiplier of 1.98×, based on the 10-year CAGR of 7.07%. The category average over the same window would have grown ₹1 lakh to ₹197,559.

A ₹10,000 monthly SIP in ICICI Prudential Banking and PSU Debt Fund - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹714,288 today. That's an XIRR (money-weighted annualised return) of 6.91%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Banking and PSU Debt Fund - Growth = ₹1,200,000 invested. It would currently be worth ₹1,704,454 (multiplier 1.42×). XIRR: 6.82%. 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 - Growth ranks #1 out of 5 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 6.15%; this fund delivered 6.45%.

The worst peak-to-trough decline ICICI Prudential Banking and PSU Debt Fund - Growth has experienced over the last 5-year window is 0.79% — its NAV fell from a high on 16 Dec 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 - Growth averaged 7.97% (best 10.25%, worst 6.10%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.15 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Banking and PSU Debt Fund - Growth returned 7.62% — beating the Banking & PSU Fund category average of 7.58% by 0.04 pp. It ranked #3 of 5 in its category that year.

ICICI Prudential Banking and PSU Debt Fund - Growth 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 - Growth 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: 0.8%. 5-year CAGR: 6.45%.

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 - Growth

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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