Should I invest in ICICI Prudential Long Term Plan - Premium Dividend Option?

We don't give personal investment advice. ICICI Prudential Long Term Plan - Premium Dividend 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.

ICICI Prudential

ICICI Prudential Long Term Plan - Premium Dividend Option

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	+0.02%	-9.99%	+10.01	130 / 1129	Q1
1W	+0.17%	-13.04%	+13.21	149 / 1151	Q1
2W	+0.35%	-13.18%	+13.53	126 / 1149	Q1
1M	+0.80%	-13.26%	+14.06	107 / 1137	Q1
3M	+2.26%	-13.15%	+15.41	117 / 1116	Q1
6M	+4.52%	-15.45%	+19.97	139 / 906	Q1
YTD	+6.43%	-15.77%	+22.21	89 / 952	Q1
1Y	+8.74%	-13.09%	+21.83	164 / 820	Q1
2Y	+9.35%	-12.72%	+22.07	26 / 446	Q1
3Y	+8.45%	-11.01%	+19.46	34 / 385	Q1
4Y	+7.76%	-6.52%	+14.28	65 / 339	Q1
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.71%	-13.63%	+21.34	234 / 1199	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
2013 YTD	+6.43%	-1.95%	+8.39	73 / 276
2012	+9.59%	+1.38%	+8.22	70 / 295
2011	+8.68%	-3.16%	+11.84	74 / 317
2010	+4.19%	-5.78%	+9.97	99 / 377
2009	—	—	—	—

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

+7.71%

39 windows

min 4.0% · max 10.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+7.72%

15 windows

min 7.3% · max 8.5%

100% positive

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

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

0.84%

3-year · annualised

Sharpe ratio

1.96

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.31%

Nov 2010 → Dec 2010

% 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.

Recent NAVs

Date	NAV
27 Sep 2013	₹13.6445
26 Sep 2013	₹13.6411
25 Sep 2013	₹13.6377
24 Sep 2013	₹13.6342
23 Sep 2013	₹13.6309
20 Sep 2013	₹13.6218
19 Sep 2013	₹13.6189
18 Sep 2013	₹13.6153
17 Sep 2013	₹13.6116
16 Sep 2013	₹13.6079

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.

ICICI Prudential Long Term Plan - Premium Dividend Option is a Income from ICICI Prudential (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

ICICI Prudential Long Term Plan - Premium Dividend Option has NAV history starting from 24 Jul 2009, a track record of about 16 years 10 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 Long Term Plan - Premium Dividend Option is managed by ICICI Prudential. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Long Term Plan - Premium Dividend Option has delivered a absolute return of 8.74% — +21.83 pp ahead of the Income category average of -13.09%. The fund ranks #164 of 820 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Long Term Plan - Premium Dividend Option has delivered a CAGR of 8.45% — +19.46 pp ahead of the Income category average of -11.01%. The fund ranks #34 of 385 in its category — the top (Q1) quartile.

ICICI Prudential Long Term Plan - Premium Dividend Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in ICICI Prudential Long Term Plan - Premium Dividend Option exactly 3 years ago would be worth approximately ₹127,563 today — a multiplier of 1.28×, based on the 3-year CAGR of 8.45%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in ICICI Prudential Long Term Plan - Premium Dividend Option over the last 3 years — total invested ₹360,000 — would be worth ₹413,291 today. That's an XIRR (money-weighted annualised return) of 9.15%.

ICICI Prudential Long Term Plan - Premium Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹413,291 — XIRR 9.15%.

On a 3-year basis, ICICI Prudential Long Term Plan - Premium Dividend Option ranks #34 out of 385 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -11.01%; this fund delivered 8.45%.

The worst peak-to-trough decline ICICI Prudential Long Term Plan - Premium Dividend Option has experienced over the last 3-year window is 0.31% — its NAV fell from a high on 22 Nov 2010 to a low on 09 Dec 2010. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, ICICI Prudential Long Term Plan - Premium Dividend Option averaged 7.72% (best 8.45%, worst 7.29%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 1.96 — strong risk-adjusted performance.

In calendar year 2012, ICICI Prudential Long Term Plan - Premium Dividend Option returned 9.59% — beating the Income category average of 1.38% by 8.22 pp. It ranked #70 of 295 in its category that year.

ICICI Prudential Long Term Plan - Premium Dividend 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 Long Term Plan - Premium Dividend 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.

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