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

We don't give personal investment advice. ICICI Prudential Equity Savings Fund - Direct Plan - 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: 3.1%. 5-year CAGR: 7.83%.

ICICI Prudential

ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option

Latest NAV

₹25.1200

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	+0.24%	+0.17%	+0.07	10 / 26	Q2
1W	+0.36%	+0.14%	+0.22	3 / 26	Q1
2W	+0.52%	+0.29%	+0.23	3 / 26	Q1
1M	+0.92%	+1.05%	-0.12	14 / 26	Q3
3M	+1.41%	+1.89%	-0.47	16 / 26	Q3
6M	+0.52%	+2.19%	-1.67	24 / 26	Q4
YTD	+0.24%	+1.79%	-1.55	22 / 26	Q4
1Y	+3.37%	+5.05%	-1.68	21 / 26	Q4
2Y	+5.87%	+5.82%	+0.06	9 / 23	Q2
3Y	+7.50%	+9.26%	-1.76	19 / 23	Q4
4Y	+8.18%	+9.82%	-1.64	19 / 21	Q4
5Y	+7.83%	+8.54%	-0.71	13 / 20	Q3
7Y	+8.12%	+9.20%	-1.08	15 / 20	Q3
10Y	+8.34%	+8.38%	-0.04	8 / 12	Q3
Inception	+8.27%	+9.04%	-0.77	19 / 26	Q3

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	+0.24%	+1.79%	-1.55	22 / 26
2025	+8.80%	+7.14%	+1.66	5 / 23
2024	+8.82%	+11.78%	-2.96	20 / 23
2023	+10.36%	+14.13%	-3.77	21 / 22
2022	+7.70%	+4.27%	+3.43	2 / 21
2021	+10.15%	+13.19%	-3.03	18 / 20
2020	+5.28%	+9.43%	-4.14	18 / 20
2019	+10.95%	+7.11%	+3.84	3 / 18
2018	+4.24%	+2.46%	+1.77	5 / 14
2017	+11.47%	+14.67%	-3.20	11 / 13
2016	+12.13%	+8.25%	+3.88	2 / 10

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

+8.71%

130 windows

min -5.9% · max 23.6%

96% positive

3-Year rolling

+8.74%

105 windows

min 2.6% · max 14.3%

100% positive

5-Year rolling

+8.63%

81 windows

min 5.5% · max 12.6%

100% positive

7-Year rolling

+8.61%

57 windows

min 8.1% · max 9.4%

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

0.38

vs risk-free 6.5%

Sortino ratio

1.11

Downside-only deviation

Max drawdown

-3.10%

Dec 2025 → Mar 2026

% positive months

77.8%

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
HDFC Equity Savings Fund - Growth Option - Direct Plan	HDFC	₹76.6750	17 Jul 2026
Nippon India Equity Savings Fund - Segregated Portfolio 2 - Direct Plan - Growth Plan - Bonus Option	Nippon India	₹0.0000	17 Jul 2026
SBI Equity Savings Fund - Direct Plan - Growth	SBI	₹27.4155	17 Jul 2026
Invesco India Equity Savings Fund - Direct Plan - Growth	Invesco	₹18.8819	17 Jul 2026
BANDHAN Equity Savings Fund-Direct Plan-Growth	Bandhan	₹36.3120	17 Jul 2026
quant Equity Savings Fund - Growth Option - Direct Plan	Quant	₹10.9493	17 Jul 2026
Aditya Birla Sun Life Equity Savings Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹25.9200	17 Jul 2026
Franklin India Equity Savings Fund- Growth Direct	Franklin India	₹18.6962	17 Jul 2026
Mirae Asset Equity Savings Fund- Direct Plan- Growth	Mirae Asset	₹22.9570	17 Jul 2026
Kotak Equity Savings Fund - Direct - Growth	Kotak	₹30.4227	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹25.1200
16 Jul 2026	₹25.0600
15 Jul 2026	₹25.0500
14 Jul 2026	₹25.0500
13 Jul 2026	₹25.0400
10 Jul 2026	₹25.0300
9 Jul 2026	₹24.9600
8 Jul 2026	₹24.9600
7 Jul 2026	₹25.0500
6 Jul 2026	₹25.0200

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 - Direct Plan - Cumulative option is ₹25.1200. It's a Equity Savings Fund from ICICI Prudential, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Equity Savings Fund - Direct Plan - 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 - Direct Plan - 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 - Direct Plan - Cumulative option has delivered a absolute return of 3.37% — -1.68 pp behind the Equity Savings Fund category average of 5.05%. The fund ranks #21 of 26 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option has delivered a CAGR of 7.50% — -1.76 pp behind the Equity Savings Fund category average of 9.26%. The fund ranks #19 of 23 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option has delivered a CAGR of 7.83% — -0.71 pp behind the Equity Savings Fund category average of 8.54%. The fund ranks #13 of 20 in its category — the third (Q3) quartile.

₹1 lakh invested in ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option exactly 10 years ago would be worth approximately ₹222,696 today — a multiplier of 2.23×, based on the 10-year CAGR of 8.34%. The category average over the same window would have grown ₹1 lakh to ₹223,583.

A ₹10,000 monthly SIP in ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option over the last 5 years — total invested ₹600,000 — would be worth ₹721,617 today. That's an XIRR (money-weighted annualised return) of 7.31%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option = ₹1,200,000 invested. It would currently be worth ₹1,817,674 (multiplier 1.51×). XIRR: 8.05%. 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 - Direct Plan - Cumulative option ranks #13 out of 20 funds in the Equity Savings Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 8.54%; this fund delivered 7.83%.

The worst peak-to-trough decline ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option has experienced over the last 5-year window is 3.10% — 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 - Direct Plan - Cumulative option averaged 8.63% (best 12.59%, worst 5.53%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.47 — weak risk-adjusted performance.

In calendar year 2025, ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option returned 8.80% — beating the Equity Savings Fund category average of 7.14% by 1.66 pp. It ranked #5 of 23 in its category that year.

ICICI Prudential Equity Savings Fund - Direct Plan - 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 - Direct Plan - 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: 3.1%. 5-year CAGR: 7.83%.

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

ICICI Prudential Equity Savings Fund - Direct Plan - 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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