Should I invest in ICICI Prudential Equity Savings Fund - Cumulative option?

We don't give personal investment advice. ICICI Prudential Equity Savings Fund - Cumulative option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.3%. 5-year CAGR: 7.30%.

ICICI Prudential

ICICI Prudential Equity Savings Fund - Cumulative option

Latest NAV

₹23.3000

As of

17 Jul 2026

2,856 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	+0.26%	+0.17%	+0.08	2 / 10	Q1
1W	+0.39%	+0.14%	+0.25	1 / 10	Q1
2W	+0.52%	+0.21%	+0.31	2 / 10	Q1
1M	+0.91%	+0.63%	+0.28	3 / 10	Q2
3M	+1.30%	+0.94%	+0.37	4 / 10	Q2
6M	+0.34%	+0.75%	-0.41	8 / 10	Q4
YTD	+0.04%	+0.20%	-0.16	8 / 10	Q4
1Y	+2.92%	+2.81%	+0.10	5 / 10	Q2
2Y	+5.38%	+2.51%	+2.88	2 / 10	Q1
3Y	+7.00%	+4.83%	+2.17	4 / 10	Q2
4Y	+7.68%	+5.71%	+1.97	6 / 10	Q3
5Y	+7.30%	+4.86%	+2.44	2 / 9	Q1
7Y	+7.56%	+4.69%	+2.86	1 / 8	Q1
10Y	+7.69%	+4.79%	+2.89	1 / 6	Q1
Inception	+7.57%	+5.56%	+2.02	2 / 10	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
2026 YTD	+0.04%	+0.20%	-0.15	6 / 8
2025	+8.26%	+2.43%	+5.82	1 / 8
2024	+8.35%	+7.77%	+0.58	3 / 8
2023	+9.83%	+9.92%	-0.08	4 / 8
2022	+7.11%	+3.24%	+3.88	1 / 8
2021	+9.47%	+10.57%	-1.09	6 / 7
2020	+4.62%	+3.06%	+1.56	5 / 7
2019	+10.29%	+2.80%	+7.48	2 / 7
2018	+3.50%	+1.31%	+2.19	1 / 6
2017	+10.39%	+8.80%	+1.59	4 / 7
2016	+11.21%	+4.88%	+6.32	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

+8.01%

130 windows

min -6.5% · max 22.8%

95% positive

3-Year rolling

+8.05%

105 windows

min 1.9% · max 13.7%

100% positive

5-Year rolling

+7.95%

81 windows

min 4.7% · max 12.0%

100% positive

7-Year rolling

+7.92%

57 windows

min 7.5% · max 8.7%

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

2.21%

3-year · annualised

Sharpe ratio

0.16

vs risk-free 6.5%

Sortino ratio

0.46

Downside-only deviation

Max drawdown

-3.25%

Dec 2025 → Mar 2026

% 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 Equity Savings Fund

Scheme	Fund house	NAV	As of
Nippon India Equity Savings Fund - Segregated Portfolio 2 - Growth Plan - Bonus Option	Nippon India	₹0.0000	17 Jul 2026
Franklin India Equity Savings Fund- Growth	Franklin India	₹16.9723	17 Jul 2026
PGIM India Equity Savings Fund - Growth Option	PGIM India	₹51.0862	17 Jul 2026
IDFC Arbitrage Plus Fund -A-DIVIDEND	IDFC	₹10.9130	17 Jul 2026
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund) - Growth Option	Sundaram	₹71.0542	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹23.3000
16 Jul 2026	₹23.2400
15 Jul 2026	₹23.2300
14 Jul 2026	₹23.2300
13 Jul 2026	₹23.2200
10 Jul 2026	₹23.2100
9 Jul 2026	₹23.1500
8 Jul 2026	₹23.1500
7 Jul 2026	₹23.2300
6 Jul 2026	₹23.2100

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 Equity Savings Fund - Cumulative option is ₹23.3000. It's a Equity Savings Fund from ICICI Prudential, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Equity Savings Fund - Cumulative option has NAV history starting from 08 Dec 2014, a track record of about 11 years 7 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 Equity Savings Fund - Cumulative option is managed by ICICI Prudential. It's classified by AMFI under the 'Equity Savings Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Equity Savings Fund - Cumulative option has delivered a absolute return of 2.92% — +0.1 pp ahead of the Equity Savings Fund category average of 2.81%. The fund ranks #5 of 10 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Equity Savings Fund - Cumulative option has delivered a CAGR of 7.00% — +2.17 pp ahead of the Equity Savings Fund category average of 4.83%. The fund ranks #4 of 10 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ICICI Prudential Equity Savings Fund - Cumulative option has delivered a CAGR of 7.30% — +2.44 pp ahead of the Equity Savings Fund category average of 4.86%. The fund ranks #2 of 9 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Equity Savings Fund - Cumulative option exactly 10 years ago would be worth approximately ₹209,720 today — a multiplier of 2.10×, based on the 10-year CAGR of 7.69%. The category average over the same window would have grown ₹1 lakh to ₹159,732.

A ₹10,000 monthly SIP in ICICI Prudential Equity Savings Fund - Cumulative option over the last 5 years — total invested ₹600,000 — would be worth ₹712,534 today. That's an XIRR (money-weighted annualised return) of 6.81%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Equity Savings Fund - Cumulative option = ₹1,200,000 invested. It would currently be worth ₹1,762,880 (multiplier 1.47×). XIRR: 7.47%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Equity Savings Fund - Cumulative option ranks #2 out of 9 funds in the Equity Savings Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 4.86%; this fund delivered 7.30%.

The worst peak-to-trough decline ICICI Prudential Equity Savings Fund - Cumulative option has experienced over the last 5-year window is 3.25% — its NAV fell from a high on 22 Dec 2025 to a low on 30 Mar 2026. 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 Equity Savings Fund - Cumulative option averaged 7.95% (best 11.97%, worst 4.70%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.26 — weak risk-adjusted performance.

In calendar year 2025, ICICI Prudential Equity Savings Fund - Cumulative option returned 8.26% — beating the Equity Savings Fund category average of 2.43% by 5.82 pp. It ranked #1 of 8 in its category that year.

ICICI Prudential Equity Savings Fund - Cumulative option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. ICICI Prudential Equity Savings Fund - Cumulative option is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.3%. 5-year CAGR: 7.30%.

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

ICICI Prudential Equity Savings Fund - Cumulative option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Equity Savings Fund

Recent NAVs

Frequently asked questions

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