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

We don't give personal investment advice. ICICI Prudential Equity Savings Fund - 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: 19.8%. 5-year CAGR: 1.48%.

ICICI Prudential

ICICI Prudential Equity Savings Fund - Monthly IDCW

Latest NAV

₹12.1700

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	-0.33%	+17.98%	-18.30	19 / 21	Q4
1W	-0.41%	+17.74%	-18.15	10 / 21	Q2
2W	-0.16%	+17.85%	-18.01	15 / 21	Q3
1M	-0.57%	+17.61%	-18.18	12 / 21	Q3
3M	+1.08%	+16.90%	-15.82	6 / 21	Q2
6M	-0.16%	+16.70%	-16.86	9 / 21	Q2
YTD	+0.33%	+16.28%	-15.95	7 / 21	Q2
1Y	+0.08%	+17.95%	-17.86	13 / 21	Q3
2Y	+5.14%	+9.32%	-4.19	9 / 21	Q2
3Y	+3.65%	+8.04%	-4.40	13 / 21	Q3
4Y	+2.72%	+6.67%	-3.95	13 / 20	Q3
5Y	+1.48%	+5.79%	-4.31	14 / 19	Q3
7Y	+2.82%	+3.85%	-1.04	10 / 15	Q3
10Y	—	—	—	—	—
Inception	+2.58%	+4.92%	-2.34	14 / 21	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	+0.33%	+0.29%	+0.04	9 / 20
2021	+5.85%	+6.95%	-1.10	12 / 19
2020	+0.53%	+2.50%	-1.97	11 / 19
2019	+4.41%	+1.76%	+2.65	6 / 16
2018	-4.31%	-4.15%	-0.16	6 / 13
2017	+4.12%	+8.10%	-3.97	10 / 13
2016	+7.51%	+5.63%	+1.88	5 / 10
2015	+0.80%	+1.35%	-0.55	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

+2.87%

83 windows

min -14.0% · max 23.8%

69% positive

3-Year rolling

+1.85%

59 windows

min -5.2% · max 4.8%

83% positive

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

5-Year rolling

+1.93%

34 windows

min -1.3% · max 4.4%

97% positive

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

7-Year rolling

+2.67%

10 windows

min 2.5% · max 2.8%

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

7.99%

3-year · annualised

Sharpe ratio

-0.35

vs risk-free 6.5%

Sortino ratio

-0.43

Downside-only deviation

Max drawdown

-19.84%

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 MULTIPLE YIELD-HDFC MULTIPLE YIELD - DIVIDEND	HDFC	₹12.2950	3 Jun 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
ICICI Prudential Equity Savings Fund - Quarterly IDCW	ICICI Prudential	₹13.1000	3 Jun 2026
Franklin India Equity Savings Fund - IDCW	Franklin India	₹13.6543	3 Jun 2026
PGIM India Equity Savings Fund - Annual Dividend option	PGIM India	₹14.3350	3 Jun 2026
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Income Distribution CUM Capital Withdrawal (IDCW)	Sundaram	₹13.9429	3 Jun 2026

Recent NAVs

Date	NAV
16 Sep 2022	₹12.1700
15 Sep 2022	₹12.2100
14 Sep 2022	₹12.2200
13 Sep 2022	₹12.2300
12 Sep 2022	₹12.2200
9 Sep 2022	₹12.2200
8 Sep 2022	₹12.2200
7 Sep 2022	₹12.2000
6 Sep 2022	₹12.2000
5 Sep 2022	₹12.2000

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 - Monthly IDCW is ₹12.1700. It's a Equity Savings Fund from ICICI Prudential, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Equity Savings Fund - 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 - 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 - Monthly IDCW has delivered a absolute return of 0.08% — -17.86 pp behind the Equity Savings Fund category average of 17.95%. The fund ranks #13 of 21 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ICICI Prudential Equity Savings Fund - Monthly IDCW has delivered a CAGR of 3.65% — -4.4 pp behind the Equity Savings Fund category average of 8.04%. The fund ranks #13 of 21 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ICICI Prudential Equity Savings Fund - Monthly IDCW has delivered a CAGR of 1.48% — -4.31 pp behind the Equity Savings Fund category average of 5.79%. The fund ranks #14 of 19 in its category — the third (Q3) quartile.

₹1 lakh invested in ICICI Prudential Equity Savings Fund - Monthly IDCW exactly 5 years ago would be worth approximately ₹107,604 today — a multiplier of 1.08×, based on the 5-year CAGR of 1.48%. The category average over the same window would have grown ₹1 lakh to ₹132,485.

A ₹10,000 monthly SIP in ICICI Prudential Equity Savings Fund - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹645,802 today. That's an XIRR (money-weighted annualised return) of 2.90%.

ICICI Prudential Equity Savings Fund - 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 ₹921,150 — XIRR 2.60%.

On a 5-year basis, ICICI Prudential Equity Savings Fund - Monthly IDCW ranks #14 out of 19 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 5.79%; this fund delivered 1.48%.

The worst peak-to-trough decline ICICI Prudential Equity Savings Fund - Monthly IDCW has experienced over the last 5-year window is 19.84% — 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 - Monthly IDCW averaged 1.93% (best 4.44%, worst -1.27%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is -0.72 — negative risk-adjusted performance.

In calendar year 2021, ICICI Prudential Equity Savings Fund - Monthly IDCW returned 5.85% — lagging the Equity Savings Fund category average of 6.95% by 1.10 pp. It ranked #12 of 19 in its category that year.

ICICI Prudential Equity Savings Fund - 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 - 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: 19.8%. 5-year CAGR: 1.48%.

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