Should I invest in ICICI Prudential Flexible Income Plan Regular?

We don't give personal investment advice. ICICI Prudential Flexible Income Plan Regular- Growth is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.7%. 5-year CAGR: 7.14%.

ICICI Prudential

ICICI Prudential Flexible Income Plan Regular- Growth

Unit split applied to historical metrics

This scheme had a 10× unit consolidation on 3 Nov 2009. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹220.0081

As of

24 Apr 2020

2,671 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	-0.25%	+0.00%	-0.25	41 / 42	Q4
1W	+0.19%	+0.14%	+0.04	21 / 42	Q2
2W	+0.50%	+0.14%	+0.36	1 / 42	Q1
1M	+1.93%	+0.16%	+1.77	1 / 42	Q1
3M	+1.03%	+0.03%	+1.00	6 / 42	Q1
6M	+2.70%	+0.41%	+2.29	2 / 41	Q1
YTD	+1.50%	+0.33%	+1.17	11 / 41	Q2
1Y	+7.13%	+1.48%	+5.66	2 / 41	Q1
2Y	+7.07%	+1.95%	+5.13	2 / 39	Q1
3Y	+6.70%	+1.95%	+4.74	6 / 38	Q1
4Y	+6.97%	+1.91%	+5.06	1 / 34	Q1
5Y	+7.14%	+1.88%	+5.26	2 / 31	Q1
7Y	+7.55%	+1.88%	+5.67	1 / 31	Q1
10Y	+7.66%	+1.85%	+5.82	1 / 25	Q1
Inception	+7.36%	+2.56%	+4.80	2 / 42	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
2020 YTD	+1.50%	+3.17%	-1.67	13 / 31
2019	+7.97%	-0.92%	+8.89	4 / 31
2018	+6.40%	+2.21%	+4.19	3 / 28
2017	+6.21%	+1.81%	+4.40	4 / 25
2016	+8.21%	+2.00%	+6.20	4 / 24
2015	+7.82%	+2.61%	+5.21	1 / 3
2014	+8.49%	+2.82%	+5.67	1 / 3
2013	+8.69%	+2.90%	+5.79	1 / 3
2012	+8.81%	+2.97%	+5.84	1 / 3
2011	+8.43%	+2.85%	+5.58	1 / 3
2010	+5.02%	+1.73%	+3.29	1 / 3

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

+7.51%

124 windows

min 4.3% · max 9.4%

100% positive

3-Year rolling

+7.80%

99 windows

min 6.2% · max 8.8%

100% positive

5-Year rolling

+7.91%

75 windows

min 6.9% · max 8.5%

100% positive

7-Year rolling

+7.88%

51 windows

min 7.4% · max 8.2%

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

1.57%

3-year · annualised

Sharpe ratio

0.01

vs risk-free 6.5%

Sortino ratio

0.02

Downside-only deviation

Max drawdown

-1.66%

Mar 2020 → Mar 2020

% positive months

97.2%

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 Low Duration Fund

Scheme	Fund house	NAV	As of
BANDHAN Low Duration Fund - Regular Plan - Periodic IDCW	Bandhan	₹13.4485	3 Jun 2026
Aditya Birla Sun Life Low Duration Fund -Regular - DAILY IDCW	Aditya Birla Sun Life	₹100.0001	3 Jun 2026
Mirae Asset Low Duration Fund - Regular Plan - Quarterly IDCW	Mirae Asset	₹1,016.5220	3 Jun 2026
Kotak Low Duration Fund- Regular Plan-Standard Income Distribution cum capital withdrawal option	Kotak	₹1,251.5529	3 Jun 2026
Edelweiss Low Duration Fund - Regular Plan IDCW Payout	Edelweiss	₹1,071.2667	3 Jun 2026
DSP Low Duration Fund - Regular Plan - IDCW - Daily	DSP	₹10.1814	3 Jun 2026
HSBC Low Duration Fund - Regular Annual IDCW	HSBC	₹10.2200	3 Jun 2026
BARODA BNP PARIBAS LOW DURATION FUND - Regular Plan - DAILY IDCW OPTION	Baroda BNP Paribas	₹10.0604	3 Jun 2026
CANARA ROBECO SAVINGS FUND - REGULAR PLAN - MONTHLY IDCW (Payout/Reinvestment)	Canara Robeco	₹10.2803	3 Jun 2026
UTI Low Duration Fund - Regular Plan - Flexi IDCW	UTI	₹1,421.6197	3 Jun 2026

Recent NAVs

Date	NAV
24 Apr 2020	₹220.0081
23 Apr 2020	₹220.5612
22 Apr 2020	₹220.3074
21 Apr 2020	₹220.1803
20 Apr 2020	₹220.0071
17 Apr 2020	₹219.5978
16 Apr 2020	₹219.0413
15 Apr 2020	₹218.9718
13 Apr 2020	₹219.0030
9 Apr 2020	₹218.9126

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 24 Apr 2020, the NAV of ICICI Prudential Flexible Income Plan Regular- Growth is ₹220.0081. It's a Low Duration Fund from ICICI Prudential, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Flexible Income Plan Regular- Growth has NAV history starting from 19 Mar 2009, a track record of about 17 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

ICICI Prudential Flexible Income Plan Regular- Growth is managed by ICICI Prudential. It's classified by AMFI under the 'Low Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Flexible Income Plan Regular- Growth has delivered a absolute return of 7.13% — +5.66 pp ahead of the Low Duration Fund category average of 1.48%. The fund ranks #2 of 41 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Flexible Income Plan Regular- Growth has delivered a CAGR of 6.70% — +4.74 pp ahead of the Low Duration Fund category average of 1.95%. The fund ranks #6 of 38 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Flexible Income Plan Regular- Growth has delivered a CAGR of 7.14% — +5.26 pp ahead of the Low Duration Fund category average of 1.88%. The fund ranks #2 of 31 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Flexible Income Plan Regular- Growth exactly 10 years ago would be worth approximately ₹209,287 today — a multiplier of 2.09×, based on the 10-year CAGR of 7.66%. The category average over the same window would have grown ₹1 lakh to ₹120,083.

A ₹10,000 monthly SIP in ICICI Prudential Flexible Income Plan Regular- Growth over the last 5 years — total invested ₹600,000 — would be worth ₹715,055 today. That's an XIRR (money-weighted annualised return) of 6.94%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Flexible Income Plan Regular- Growth = ₹1,200,000 invested. It would currently be worth ₹1,766,782 (multiplier 1.47×). XIRR: 7.50%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Flexible Income Plan Regular- Growth ranks #2 out of 31 funds in the Low Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 1.88%; this fund delivered 7.14%.

The worst peak-to-trough decline ICICI Prudential Flexible Income Plan Regular- Growth has experienced over the last 5-year window is 1.66% — its NAV fell from a high on 05 Mar 2020 to a low on 24 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 Flexible Income Plan Regular- Growth averaged 7.91% (best 8.53%, worst 6.90%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.33 — weak risk-adjusted performance.

In calendar year 2019, ICICI Prudential Flexible Income Plan Regular- Growth returned 7.97% — beating the Low Duration Fund category average of -0.92% by 8.89 pp. It ranked #4 of 31 in its category that year.

ICICI Prudential Flexible Income Plan Regular- Growth is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. ICICI Prudential Flexible Income Plan Regular- Growth is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.7%. 5-year CAGR: 7.14%.

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

ICICI Prudential Flexible Income Plan Regular- Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Low Duration Fund

Recent NAVs

Frequently asked questions

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