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

We don't give personal investment advice. ICICI Prudential Equity Savings Fund - Direct Plan - Monthly 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: 19.7%. 5-year CAGR: 3.31%.

ICICI Prudential

ICICI Prudential Equity Savings Fund - Direct Plan - Monthly IDCW

Latest NAV

₹14.3800

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	-0.28%	+7.25%	-7.53	48 / 52	Q4
1W	-0.35%	+6.89%	-7.24	14 / 52	Q2
2W	-0.07%	+7.13%	-7.20	18 / 52	Q2
1M	-0.42%	+7.13%	-7.55	25 / 51	Q2
3M	+1.48%	+6.63%	-5.15	14 / 51	Q2
6M	+0.56%	+6.00%	-5.44	14 / 51	Q2
YTD	+1.27%	+5.72%	-4.45	12 / 51	Q1
1Y	+1.41%	+8.33%	-6.92	28 / 50	Q3
2Y	+6.62%	+5.55%	+1.07	11 / 50	Q1
3Y	+5.15%	+6.83%	-1.69	26 / 48	Q3
4Y	+4.13%	+6.12%	-1.98	22 / 43	Q3
5Y	+3.31%	+5.24%	-1.93	22 / 42	Q3
7Y	+5.19%	+5.14%	+0.06	16 / 38	Q2
10Y	—	—	—	—	—
Inception	+4.81%	+5.77%	-0.96	26 / 50	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
2022 YTD	+1.27%	+0.43%	+0.84	16 / 43
2021	+7.09%	+8.79%	-1.71	32 / 43
2020	+2.40%	+7.24%	-4.84	34 / 43
2019	+5.73%	+4.12%	+1.62	14 / 37
2018	-2.40%	-1.89%	-0.51	18 / 28
2017	+10.42%	+9.85%	+0.58	14 / 25
2016	+10.47%	+5.06%	+5.41	1 / 17
2015	+1.70%	+2.10%	-0.40	2 / 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

+5.29%

83 windows

min -13.0% · max 25.9%

81% positive

3-Year rolling

+4.41%

59 windows

min -2.7% · max 8.0%

95% positive

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

5-Year rolling

+4.48%

34 windows

min 1.3% · max 7.3%

100% positive

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

7-Year rolling

+5.01%

10 windows

min 4.8% · 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

8.03%

3-year · annualised

Sharpe ratio

-0.16

vs risk-free 6.5%

Sortino ratio

-0.21

Downside-only deviation

Max drawdown

-19.74%

Jan 2020 → Mar 2020

% positive months

66.7%

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	₹14.9190	3 Jun 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - Direct Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Equity Savings Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹24.6420	3 Jun 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹15.5800	3 Jun 2026
Invesco India Equity Savings Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹18.2438	3 Jun 2026
BANDHAN Equity Savings Fund-Direct Plan -Quarterly IDCW	Bandhan	₹13.2530	3 Jun 2026
quant Equity Savings Fund - IDCW Option - Direct Plan	Quant	₹10.4579	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW	Aditya Birla Sun Life	₹15.4200	3 Jun 2026
Franklin India Equity Savings Fund - Direct - IDCW	Franklin India	₹14.9660	3 Jun 2026
Mirae Asset Equity Savings Fund Direct IDCW	Mirae Asset	₹13.3610	3 Jun 2026

Recent NAVs

Date	NAV
16 Sep 2022	₹14.3800
15 Sep 2022	₹14.4200
14 Sep 2022	₹14.4400
13 Sep 2022	₹14.4500
12 Sep 2022	₹14.4400
9 Sep 2022	₹14.4300
8 Sep 2022	₹14.4200
7 Sep 2022	₹14.4100
6 Sep 2022	₹14.4000
5 Sep 2022	₹14.4000

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 - Monthly IDCW is ₹14.3800. 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 - Monthly IDCW has NAV history starting from 08 Dec 2014, a track record of about 11 years 5 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 - Monthly 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 - Monthly IDCW has delivered a absolute return of 1.41% — -6.92 pp behind the Equity Savings Fund category average of 8.33%. The fund ranks #28 of 50 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ICICI Prudential Equity Savings Fund - Direct Plan - Monthly IDCW has delivered a CAGR of 5.15% — -1.69 pp behind the Equity Savings Fund category average of 6.83%. The fund ranks #26 of 48 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ICICI Prudential Equity Savings Fund - Direct Plan - Monthly IDCW has delivered a CAGR of 3.31% — -1.93 pp behind the Equity Savings Fund category average of 5.24%. The fund ranks #22 of 42 in its category — the third (Q3) quartile.

₹1 lakh invested in ICICI Prudential Equity Savings Fund - Direct Plan - Monthly IDCW exactly 5 years ago would be worth approximately ₹117,676 today — a multiplier of 1.18×, based on the 5-year CAGR of 3.31%. The category average over the same window would have grown ₹1 lakh to ₹129,108.

A ₹10,000 monthly SIP in ICICI Prudential Equity Savings Fund - Direct Plan - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹670,547 today. That's an XIRR (money-weighted annualised return) of 4.39%.

ICICI Prudential Equity Savings Fund - Direct Plan - Monthly IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹986,846 — XIRR 4.53%.

On a 5-year basis, ICICI Prudential Equity Savings Fund - Direct Plan - Monthly IDCW ranks #22 out of 42 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 5.24%; this fund delivered 3.31%.

The worst peak-to-trough decline ICICI Prudential Equity Savings Fund - Direct Plan - Monthly IDCW has experienced over the last 5-year window is 19.74% — its NAV fell from a high on 24 Jan 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 - Monthly IDCW averaged 4.48% (best 7.30%, worst 1.30%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.45 — negative risk-adjusted performance.

In calendar year 2021, ICICI Prudential Equity Savings Fund - Direct Plan - Monthly IDCW returned 7.09% — lagging the Equity Savings Fund category average of 8.79% by 1.71 pp. It ranked #32 of 43 in its category that year.

ICICI Prudential Equity Savings Fund - Direct Plan - Monthly 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 - Monthly 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: 19.7%. 5-year CAGR: 3.31%.

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