Should I invest in ICICI Prudential Blended Plan B?

We don't give personal investment advice. ICICI Prudential Blended Plan B-Dividend Option is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.2%. 5-year CAGR: 3.41%.

ICICI Prudential

ICICI Prudential Blended Plan B-Dividend Option

Latest NAV

₹15.0425

As of

7 Oct 2016

2,538 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	-0.08%	-3.05%	+2.97	751 / 796	Q4
1W	+0.42%	-3.63%	+4.05	9 / 666	Q1
2W	+0.66%	-3.63%	+4.29	13 / 651	Q1
1M	+1.18%	-3.45%	+4.63	15 / 645	Q1
3M	+3.82%	-2.59%	+6.41	11 / 637	Q1
6M	+6.03%	-1.24%	+7.28	22 / 623	Q1
YTD	+9.57%	-1.35%	+10.92	10 / 618	Q1
1Y	+10.49%	+1.96%	+8.53	25 / 590	Q1
2Y	+9.96%	+2.60%	+7.36	21 / 556	Q1
3Y	+7.04%	+2.95%	+4.10	418 / 551	Q4
4Y	+2.12%	+7.92%	-5.80	95 / 95	Q4
5Y	+3.41%	+7.58%	-4.17	30 / 30	Q4
7Y	+3.09%	+7.57%	-4.48	9 / 9	Q4
10Y	+3.92%	+6.98%	-3.06	3 / 3	Q4
Inception	+3.71%	+4.26%	-0.55	735 / 796	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
2016 YTD	+9.57%	+7.49%	+2.07	20 / 202
2015	+7.22%	+6.75%	+0.47	144 / 185
2014	+2.62%	+12.50%	-9.88	82 / 82
2013	-12.38%	+5.14%	-17.52	20 / 20
2012	+9.49%	+10.52%	-1.03	3 / 4
2011	+4.76%	+6.01%	-1.25	3 / 4
2010	+3.08%	+5.48%	-2.41	4 / 4
2009	+2.60%	+6.50%	-3.90	3 / 3
2008	+7.42%	+4.36%	+3.05	2 / 3
2007	+4.55%	+7.03%	-2.48	2 / 2
2006	—	—	—	—

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

+3.50%

117 windows

min -14.3% · max 12.6%

89% positive

3-Year rolling

+2.71%

92 windows

min -1.4% · max 7.5%

71% positive

5-Year rolling

+2.88%

68 windows

min 0.5% · max 5.8%

100% positive

7-Year rolling

+2.63%

44 windows

min 2.2% · max 5.2%

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

4.40%

3-year · annualised

Sharpe ratio

0.16

vs risk-free 6.5%

Sortino ratio

0.20

Downside-only deviation

Max drawdown

-7.42%

Sep 2014 → Sep 2014

% positive months

97.2%

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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC FMP 1269D March 2023 - Growth Option	HDFC	₹12.4260	3 Jun 2026
Nippon India Fixed Maturity Plan XLI - Series 8 - Growth Option	Nippon India	₹17.0046	3 Jun 2026
ICICI Prudential Fixed Maturity Plan - Series 85 - 10 Years Plan I - Cumulative Option	ICICI Prudential	₹17.4336	3 Jun 2026
Franklin India Medium to Long Duration Fund - Growth	Franklin India	₹10.9122	3 Jun 2026

Recent NAVs

Date	NAV
7 Oct 2016	₹15.0425
6 Oct 2016	₹15.0552
5 Oct 2016	₹15.0578
4 Oct 2016	₹15.0118
3 Oct 2016	₹15.0018
30 Sep 2016	₹14.9797
29 Sep 2016	₹14.9624
28 Sep 2016	₹14.9866
27 Sep 2016	₹14.9797
26 Sep 2016	₹14.9663

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 07 Oct 2016, the NAV of ICICI Prudential Blended Plan B-Dividend Option is ₹15.0425. It's a Medium to Long Duration Fund from ICICI Prudential, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Blended Plan B-Dividend Option has NAV history starting from 02 Apr 2006, a track record of about 20 years 2 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 Blended Plan B-Dividend Option is managed by ICICI Prudential. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Blended Plan B-Dividend Option has delivered a absolute return of 10.49% — +8.53 pp ahead of the Medium to Long Duration Fund category average of 1.96%. The fund ranks #25 of 590 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Blended Plan B-Dividend Option has delivered a CAGR of 7.04% — +4.1 pp ahead of the Medium to Long Duration Fund category average of 2.95%. The fund ranks #418 of 551 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Blended Plan B-Dividend Option has delivered a CAGR of 3.41% — -4.17 pp behind the Medium to Long Duration Fund category average of 7.58%. The fund ranks #30 of 30 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Blended Plan B-Dividend Option exactly 10 years ago would be worth approximately ₹146,905 today — a multiplier of 1.47×, based on the 10-year CAGR of 3.92%. The category average over the same window would have grown ₹1 lakh to ₹196,284.

A ₹10,000 monthly SIP in ICICI Prudential Blended Plan B-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹680,203 today. That's an XIRR (money-weighted annualised return) of 4.95%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Blended Plan B-Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,460,028 (multiplier 1.22×). XIRR: 3.84%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Blended Plan B-Dividend Option ranks #30 out of 30 funds in the Medium to Long Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 7.58%; this fund delivered 3.41%.

The worst peak-to-trough decline ICICI Prudential Blended Plan B-Dividend Option has experienced over the last 5-year window is 22.16% — its NAV fell from a high on 24 May 2013 to a low on 19 Aug 2013. 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 Blended Plan B-Dividend Option averaged 2.88% (best 5.78%, worst 0.50%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.31 — negative risk-adjusted performance.

In calendar year 2015, ICICI Prudential Blended Plan B-Dividend Option returned 7.22% — beating the Medium to Long Duration Fund category average of 6.75% by 0.47 pp. It ranked #144 of 185 in its category that year.

ICICI Prudential Blended Plan B-Dividend Option is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. ICICI Prudential Blended Plan B-Dividend Option is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.2%. 5-year CAGR: 3.41%.

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