Should I invest in ICICI Prudential Equity Savings Fund - Half Yearly IDCW?

We don't give personal investment advice. ICICI Prudential Equity Savings Fund - Direct Plan - Half Yearly IDCW 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: 19.2%. 5-year CAGR: 4.89%.

ICICI Prudential

ICICI Prudential Equity Savings Fund - Direct Plan - Half Yearly IDCW

Latest NAV

₹15.6000

As of

16 Sep 2022

1,915 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	-0.32%	+0.13%	-0.45	45 / 49	Q4
1W	-0.38%	+0.17%	-0.56	49 / 49	Q4
2W	-0.13%	+0.27%	-0.40	48 / 49	Q4
1M	-0.13%	+0.53%	-0.66	38 / 48	Q4
3M	+1.04%	+1.21%	-0.17	25 / 48	Q3
6M	+1.17%	+0.35%	+0.82	18 / 48	Q2
YTD	+3.04%	-0.31%	+3.34	5 / 48	Q1
1Y	+2.77%	+1.63%	+1.14	20 / 48	Q2
2Y	+7.30%	+2.39%	+4.91	7 / 47	Q1
3Y	+5.36%	+5.05%	+0.31	22 / 45	Q2
4Y	+4.64%	+5.30%	-0.65	18 / 40	Q2
5Y	+4.89%	+4.35%	+0.54	16 / 39	Q2
7Y	+6.48%	+5.64%	+0.84	13 / 38	Q2
10Y	—	—	—	—	—
Inception	+5.91%	+5.34%	+0.57	18 / 47	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
2022 YTD	+3.04%	+0.46%	+2.57	11 / 40
2021	+7.00%	+9.45%	-2.46	33 / 40
2020	+1.87%	+7.78%	-5.91	36 / 40
2019	+7.12%	+4.12%	+3.00	10 / 37
2018	+2.38%	-1.89%	+4.27	4 / 28
2017	+11.39%	+9.85%	+1.54	10 / 25
2016	+9.61%	+5.06%	+4.55	2 / 17
2015	+2.50%	+2.10%	+0.40	1 / 2
2014	—	—	—	—

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

+6.36%

83 windows

min -11.8% · max 23.8%

87% positive

3-Year rolling

+5.93%

59 windows

min 0.0% · max 9.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+5.92%

34 windows

min 2.8% · max 8.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+6.10%

10 windows

min 5.9% · max 6.5%

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

7.84%

3-year · annualised

Sharpe ratio

-0.15

vs risk-free 6.5%

Sortino ratio

-0.19

Downside-only deviation

Max drawdown

-19.16%

Feb 2020 → Mar 2020

% positive months

63.9%

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 Equity Savings Fund

Scheme	Fund house	NAV	As of
HDFC Equity Savings Fund - IDCW Option - Direct Plan	HDFC	₹15.0960	17 Jul 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - Direct Plan - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Equity Savings Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹25.0945	17 Jul 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹15.7100	17 Jul 2026
Invesco India Equity Savings Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹18.8261	17 Jul 2026
BANDHAN Equity Savings Fund-Direct Plan -Quarterly IDCW	Bandhan	₹13.3190	17 Jul 2026
quant Equity Savings Fund - IDCW Option - Direct Plan	Quant	₹10.9221	17 Jul 2026
Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW	Aditya Birla Sun Life	₹15.4800	17 Jul 2026
Franklin India Equity Savings Fund - Direct - IDCW	Franklin India	₹15.2612	17 Jul 2026
Mirae Asset Equity Savings Fund Direct IDCW	Mirae Asset	₹13.7290	17 Jul 2026

Recent NAVs

Date	NAV
16 Sep 2022	₹15.6000
15 Sep 2022	₹15.6500
14 Sep 2022	₹15.6700
13 Sep 2022	₹15.6800
12 Sep 2022	₹15.6700
9 Sep 2022	₹15.6600
8 Sep 2022	₹15.6500
7 Sep 2022	₹15.6300
6 Sep 2022	₹15.6300
5 Sep 2022	₹15.6300

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 16 Sep 2022, the NAV of ICICI Prudential Equity Savings Fund - Direct Plan - Half Yearly IDCW is ₹15.6000. It's a Equity Savings Fund from ICICI Prudential, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Equity Savings Fund - Direct Plan - Half Yearly IDCW 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 - Half Yearly IDCW 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 - Half Yearly IDCW has delivered a absolute return of 2.77% — +1.14 pp ahead of the Equity Savings Fund category average of 1.63%. The fund ranks #20 of 48 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Equity Savings Fund - Direct Plan - Half Yearly IDCW has delivered a CAGR of 5.36% — +0.31 pp ahead of the Equity Savings Fund category average of 5.05%. The fund ranks #22 of 45 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ICICI Prudential Equity Savings Fund - Direct Plan - Half Yearly IDCW has delivered a CAGR of 4.89% — +0.54 pp ahead of the Equity Savings Fund category average of 4.35%. The fund ranks #16 of 39 in its category — the second (Q2) quartile.

₹1 lakh invested in ICICI Prudential Equity Savings Fund - Direct Plan - Half Yearly IDCW exactly 5 years ago would be worth approximately ₹126,933 today — a multiplier of 1.27×, based on the 5-year CAGR of 4.89%. The category average over the same window would have grown ₹1 lakh to ₹123,719.

A ₹10,000 monthly SIP in ICICI Prudential Equity Savings Fund - Direct Plan - Half Yearly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹683,275 today. That's an XIRR (money-weighted annualised return) of 5.13%.

ICICI Prudential Equity Savings Fund - Direct Plan - Half Yearly IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,025,381 — XIRR 5.61%.

On a 5-year basis, ICICI Prudential Equity Savings Fund - Direct Plan - Half Yearly IDCW ranks #16 out of 39 funds in the Equity Savings Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 4.35%; this fund delivered 4.89%.

The worst peak-to-trough decline ICICI Prudential Equity Savings Fund - Direct Plan - Half Yearly IDCW has experienced over the last 5-year window is 19.16% — its NAV fell from a high on 07 Feb 2020 to a low on 23 Mar 2020. 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 - Half Yearly IDCW averaged 5.92% (best 8.52%, worst 2.81%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.23 — negative risk-adjusted performance.

In calendar year 2021, ICICI Prudential Equity Savings Fund - Direct Plan - Half Yearly IDCW returned 7.00% — lagging the Equity Savings Fund category average of 9.45% by 2.46 pp. It ranked #33 of 40 in its category that year.

ICICI Prudential Equity Savings Fund - Direct Plan - Half Yearly IDCW 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 - Half Yearly IDCW 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: 19.2%. 5-year CAGR: 4.89%.

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 - Half Yearly IDCW

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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