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: 4.62%.

ICICI Prudential

ICICI Prudential Income Plan-Growth Option

Latest NAV

₹89.6556

As of

3 Jun 2026

4,870 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	+0.03%	-0.05%	+0.08	7 / 12	Q3
1W	-0.05%	+0.23%	-0.28	9 / 12	Q3
2W	+0.65%	+0.83%	-0.18	3 / 12	Q1
1M	-0.09%	+0.36%	-0.45	9 / 12	Q3
3M	-1.24%	+0.06%	-1.30	7 / 12	Q3
6M	-0.15%	-0.03%	-0.12	4 / 12	Q2
YTD	-0.86%	-0.53%	-0.33	5 / 12	Q2
1Y	-1.61%	-2.56%	+0.95	2 / 12	Q1
2Y	+4.63%	+0.93%	+3.70	2 / 11	Q1
3Y	+5.35%	+0.73%	+4.62	2 / 11	Q1
4Y	+6.46%	+2.95%	+3.52	3 / 10	Q2
5Y	+4.62%	+1.73%	+2.89	3 / 10	Q2
7Y	+5.65%	+1.68%	+3.98	2 / 9	Q1
10Y	+6.63%	+2.01%	+4.62	1 / 3	Q2
Inception	+7.62%	+3.18%	+4.44	2 / 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	-0.86%	-1.33%	+0.48	2 / 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

+8.02%

234 windows

min -2.5% · max 26.0%

94% positive

3-Year rolling

+7.92%

210 windows

min 2.5% · max 13.2%

100% positive

5-Year rolling

+7.77%

185 windows

min 4.3% · max 10.6%

100% positive

7-Year rolling

+7.97%

161 windows

min 5.7% · max 10.2%

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

4.18%

3-year · annualised

Sharpe ratio

-0.29

vs risk-free 6.5%

Sortino ratio

-0.46

Downside-only deviation

Max drawdown

-4.15%

May 2025 → Apr 2026

% positive months

69.4%

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	₹10.4563	3 Jun 2026
NIPPON INDIA NIVESH LAKSHYA LONG DURATION FUND - ANNUAL IDCW Option	Nippon India	₹11.6432	3 Jun 2026
ICICI Prudential Income Plan-Quarterly Dividend	ICICI Prudential	₹12.2541	3 Jun 2026
Franklin India Long Duration Fund - IDCW	Franklin India	₹10.2980	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹89.6556
2 Jun 2026	₹89.7060
1 Jun 2026	₹89.6795
29 May 2026	₹89.9350
27 May 2026	₹89.7273
26 May 2026	₹89.7469
25 May 2026	₹89.6479
22 May 2026	₹89.3076
21 May 2026	₹89.1090
20 May 2026	₹89.2440

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 03 Jun 2026, the NAV of ICICI Prudential Income Plan-Growth Option is ₹89.6556. 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 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 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 -1.61% — +0.95 pp ahead of the Long Duration Fund category average of -2.56%. The fund ranks #2 of 12 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Income Plan-Growth Option has delivered a CAGR of 5.35% — +4.62 pp ahead of the Long Duration Fund category average of 0.73%. 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 4.62% — +2.89 pp ahead of the Long Duration Fund category average of 1.73%. 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 ₹190,028 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 ₹121,993.

A ₹10,000 monthly SIP in ICICI Prudential Income Plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹681,813 today. That's an XIRR (money-weighted annualised return) of 5.05%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Income Plan-Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,601,917 (multiplier 1.33×). XIRR: 5.63%. 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 1.73%; this fund delivered 4.62%.

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 7.77% (best 10.58%, worst 4.34%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.45 — 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: 4.62%.

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

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