Should I invest in ICICI Prudential Income Plan?

We don't give personal investment advice. ICICI Prudential Income Plan-Growth Option 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: 4.9%. 5-year CAGR: 5.35%.

ICICI Prudential

ICICI Prudential Income Plan-Growth Option

Latest NAV

₹92.3235

As of

17 Jul 2026

4,901 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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%	-0.29%	+0.04	6 / 12	Q2
1W	-0.64%	-0.18%	-0.46	11 / 12	Q4
2W	-0.69%	+0.07%	-0.77	12 / 12	Q4
1M	+1.55%	+1.56%	-0.01	7 / 12	Q3
3M	+2.57%	+3.08%	-0.51	8 / 12	Q3
6M	+2.69%	+2.36%	+0.33	5 / 12	Q2
YTD	+2.04%	+1.60%	+0.44	4 / 12	Q2
1Y	+1.81%	+0.97%	+0.85	4 / 12	Q2
2Y	+5.68%	+1.89%	+3.79	2 / 11	Q1
3Y	+6.28%	+1.73%	+4.55	2 / 11	Q1
4Y	+6.94%	+3.24%	+3.70	3 / 10	Q2
5Y	+5.35%	+2.35%	+3.00	3 / 10	Q2
7Y	+5.34%	+1.43%	+3.91	2 / 9	Q1
10Y	+6.63%	+2.04%	+4.59	1 / 3	Q2
Inception	+7.73%	+3.51%	+4.21	3 / 12	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
2026 YTD	+2.04%	+1.50%	+0.54	3 / 9
2025	+5.17%	+1.22%	+3.95	1 / 9
2024	+10.27%	+4.10%	+6.16	2 / 8
2023	+6.68%	+2.72%	+3.96	2 / 7
2022	+1.26%	+0.19%	+1.07	2 / 9
2021	+0.32%	-2.52%	+2.84	2 / 9
2020	+10.65%	+6.54%	+4.11	2 / 10
2019	+12.46%	+5.56%	+6.90	2 / 10
2018	+6.71%	+6.71%	+0.00	2 / 5
2017	+3.30%	-0.69%	+3.98	1 / 5
2016	+15.61%	+7.91%	+7.70	2 / 5

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

+8.04%

236 windows

min -3.1% · max 26.4%

94% positive

3-Year rolling

+7.88%

211 windows

min 2.4% · max 13.6%

100% positive

5-Year rolling

+7.74%

187 windows

min 4.3% · max 10.7%

100% positive

7-Year rolling

+7.95%

163 windows

min 5.3% · max 10.7%

100% positive

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

3.30%

3-year · annualised

Sharpe ratio

-0.09

vs risk-free 6.5%

Sortino ratio

-0.19

Downside-only deviation

Max drawdown

-4.15%

May 2025 → Apr 2026

% positive months

72.2%

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 Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC Long Duration Debt Fund - IDCW Option	HDFC	₹10.7868	17 Jul 2026
NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - ANNUAL IDCW Option	Nippon India	₹12.0759	17 Jul 2026
ICICI Prudential Income Plan-Quarterly Dividend	ICICI Prudential	₹12.4493	17 Jul 2026
Franklin India Long Duration Fund - IDCW	Franklin India	₹10.5027	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹92.3235
16 Jul 2026	₹92.5484
15 Jul 2026	₹92.3206
14 Jul 2026	₹92.2489
13 Jul 2026	₹92.8535
10 Jul 2026	₹92.9155
9 Jul 2026	₹92.7408
8 Jul 2026	₹92.6953
7 Jul 2026	₹93.1086
6 Jul 2026	₹93.0762

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 Income Plan-Growth Option is ₹92.3235. It's a Long Duration Fund from ICICI Prudential, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Income Plan-Growth Option has NAV history starting from 02 Apr 2006, a track record of about 20 years 3 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 Income Plan-Growth Option is managed by ICICI Prudential. It's classified by AMFI under the 'Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Income Plan-Growth Option has delivered a absolute return of 1.81% — +0.85 pp ahead of the Long Duration Fund category average of 0.97%. The fund ranks #4 of 12 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Income Plan-Growth Option has delivered a CAGR of 6.28% — +4.55 pp ahead of the Long Duration Fund category average of 1.73%. The fund ranks #2 of 11 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Income Plan-Growth Option has delivered a CAGR of 5.35% — +3 pp ahead of the Long Duration Fund category average of 2.35%. The fund ranks #3 of 10 in its category — the second (Q2) quartile.

₹1 lakh invested in ICICI Prudential Income Plan-Growth Option exactly 10 years ago would be worth approximately ₹189,973 today — a multiplier of 1.90×, based on the 10-year CAGR of 6.63%. The category average over the same window would have grown ₹1 lakh to ₹122,372.

A ₹10,000 monthly SIP in ICICI Prudential Income Plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹697,525 today. That's an XIRR (money-weighted annualised return) of 5.96%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Income Plan-Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,636,039 (multiplier 1.36×). XIRR: 6.04%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Income Plan-Growth Option ranks #3 out of 10 funds in the Long Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.35%; this fund delivered 5.35%.

The worst peak-to-trough decline ICICI Prudential Income Plan-Growth Option has experienced over the last 5-year window is 4.85% — its NAV fell from a high on 08 Dec 2021 to a low on 16 Jun 2022. 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 Income Plan-Growth Option averaged 7.74% (best 10.69%, worst 4.35%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.32 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Income Plan-Growth Option returned 5.17% — beating the Long Duration Fund category average of 1.22% by 3.95 pp. It ranked #1 of 9 in its category that year.

ICICI Prudential Income Plan-Growth Option 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 Income Plan-Growth Option 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: 4.9%. 5-year CAGR: 5.35%.

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

ICICI Prudential Income Plan-Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Long Duration Fund

Recent NAVs

Frequently asked questions

More from ICICI Prudential