Should I invest in ICICI Prudential Cautious Plan?

We don't give personal investment advice. ICICI Prudential Cautious Plan-Dividend 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: 10.8%. 5-year CAGR: 3.63%.

ICICI Prudential

ICICI Prudential Cautious Plan-Dividend Option

Latest NAV

₹50.2282

As of

3 Jun 2026

4,866 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	-0.03%	-2.25%	+2.23	69 / 84	Q4
1W	+0.07%	-13.47%	+13.54	20 / 94	Q1
2W	+0.22%	-13.14%	+13.36	26 / 94	Q2
1M	+0.17%	-13.06%	+13.23	29 / 94	Q2
3M	+0.88%	-13.04%	+13.93	30 / 94	Q2
6M	+2.32%	-9.47%	+11.79	36 / 94	Q2
YTD	+1.83%	-8.78%	+10.61	35 / 94	Q2
1Y	+5.29%	-2.38%	+7.67	38 / 92	Q2
2Y	+8.03%	-3.18%	+11.21	34 / 89	Q2
3Y	+7.02%	-2.94%	+9.96	46 / 89	Q3
4Y	+5.43%	-6.04%	+11.47	45 / 65	Q3
5Y	+3.63%	-8.77%	+12.39	43 / 61	Q3
7Y	+5.41%	-10.32%	+15.73	34 / 55	Q3
10Y	+6.10%	-15.45%	+21.56	28 / 44	Q3
Inception	+7.12%	-6.14%	+13.26	47 / 94	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	+1.83%	-0.63%	+2.47	8 / 40
2025	+6.53%	+15.89%	-9.36	25 / 39
2024	+2.89%	+12.44%	-9.55	36 / 39
2023	+4.57%	+16.47%	-11.90	34 / 39
2022	-2.36%	-18.99%	+16.63	32 / 47
2021	+10.60%	+18.34%	-7.73	29 / 42
2020	+9.11%	+7.19%	+1.92	23 / 40
2019	+8.56%	+6.26%	+2.30	12 / 38
2018	+6.28%	+1.39%	+4.90	6 / 38
2017	+5.14%	+11.93%	-6.79	30 / 38
2016	+9.49%	+4.96%	+4.53	14 / 44

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

+7.46%

234 windows

min -17.4% · max 29.2%

89% positive

3-Year rolling

+7.20%

210 windows

min 0.9% · max 14.2%

100% positive

5-Year rolling

+7.33%

185 windows

min 3.6% · max 11.2%

100% positive

7-Year rolling

+7.43%

161 windows

min 5.0% · max 11.2%

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

5.37%

3-year · annualised

Sharpe ratio

0.08

vs risk-free 6.5%

Sortino ratio

0.11

Downside-only deviation

Max drawdown

-8.40%

Feb 2024 → Feb 2024

% positive months

88.9%

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 Fund of Funds - Domestic

Scheme	Fund house	NAV	As of
HDFC Income Plus Arbitrage Active FOF - IDCW Option	HDFC	₹35.4833	3 Jun 2026
Nippon India Diversified Equity Flexicap Passive FoF - IDCW Option	Nippon India	₹20.1044	3 Jun 2026
ICICI Prudential Aggressive Plan	ICICI Prudential	₹164.1283	3 Jun 2026
QUANTUM EQUITY FUND OF FUNDS-Dividend Plan	Quantum	₹81.6490	2 Jun 2026
Franklin India Income Plus Arbitrage Active Fund of Funds- IDCW	Franklin India	₹21.9699	2 Jun 2026
FT India Dynamic PE Ratio Fund of Funds-Dividend	Franklin Templeton	₹39.8960	2 Jun 2026
Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option	Kotak	₹58.9660	3 Jun 2026
Kotak Equity-FOF-Dividend	Kotak Mahindra	₹245.8990	2 Jun 2026
HSBC Aggressive Hybrid Active FOF - Dividend	HSBC	₹28.6691	2 Jun 2026
IDFC - All Seasons Bond Fund - Annual Dividend	IDFC	₹14.5178	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹50.2282
2 Jun 2026	₹50.2273
1 Jun 2026	₹50.2400
29 May 2026	₹50.1884
27 May 2026	₹50.1933
26 May 2026	₹50.1897
25 May 2026	₹50.1689
22 May 2026	₹50.0859
21 May 2026	₹50.0827
20 May 2026	₹50.1128

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 03 Jun 2026, the NAV of ICICI Prudential Cautious Plan-Dividend Option is ₹50.2282. It's a Fund of Funds - Domestic from ICICI Prudential, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Cautious Plan-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 Cautious Plan-Dividend Option is managed by ICICI Prudential. It's classified by AMFI under the 'Fund of Funds - Domestic' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Cautious Plan-Dividend Option has delivered a absolute return of 5.29% — +7.67 pp ahead of the Fund of Funds - Domestic category average of -2.38%. The fund ranks #38 of 92 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Cautious Plan-Dividend Option has delivered a CAGR of 7.02% — +9.96 pp ahead of the Fund of Funds - Domestic category average of -2.94%. The fund ranks #46 of 89 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ICICI Prudential Cautious Plan-Dividend Option has delivered a CAGR of 3.63% — +12.39 pp ahead of the Fund of Funds - Domestic category average of -8.77%. The fund ranks #43 of 61 in its category — the third (Q3) quartile.

₹1 lakh invested in ICICI Prudential Cautious Plan-Dividend Option exactly 10 years ago would be worth approximately ₹180,833 today — a multiplier of 1.81×, based on the 10-year CAGR of 6.10%. The category average over the same window would have grown ₹1 lakh to ₹18,662.

A ₹10,000 monthly SIP in ICICI Prudential Cautious Plan-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹682,066 today. That's an XIRR (money-weighted annualised return) of 5.07%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Cautious Plan-Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,590,502 (multiplier 1.33×). XIRR: 5.49%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Cautious Plan-Dividend Option ranks #43 out of 61 funds in the Fund of Funds - Domestic category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -8.77%; this fund delivered 3.63%.

The worst peak-to-trough decline ICICI Prudential Cautious Plan-Dividend Option has experienced over the last 5-year window is 10.81% — its NAV fell from a high on 10 Feb 2022 to a low on 28 Mar 2023. 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 Cautious Plan-Dividend Option averaged 7.33% (best 11.18%, worst 3.56%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.37 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Cautious Plan-Dividend Option returned 6.53% — lagging the Fund of Funds - Domestic category average of 15.89% by 9.36 pp. It ranked #25 of 39 in its category that year.

ICICI Prudential Cautious Plan-Dividend 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 Cautious Plan-Dividend 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: 10.8%. 5-year CAGR: 3.63%.

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

ICICI Prudential Cautious Plan-Dividend Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Fund of Funds - Domestic

Recent NAVs

Frequently asked questions

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