Should I invest in ICICI Prudential Long Term Plan- Regular Growth Option?

We don't give personal investment advice. ICICI Prudential Long Term Plan- Regular 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: 3.7%. 5-year CAGR: 9.04%.

ICICI Prudential

ICICI Prudential Long Term Plan- Regular Growth Option

Latest NAV

₹49.3216

As of

24 Apr 2020

3,391 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	-0.62%	+24.16%	-24.78	48 / 48	Q4
1W	+1.28%	+24.38%	-23.10	5 / 48	Q1
2W	+2.11%	+24.65%	-22.54	5 / 48	Q1
1M	+2.75%	+24.64%	-21.89	5 / 48	Q1
3M	+3.43%	+24.91%	-21.48	5 / 48	Q1
6M	+6.15%	+26.19%	-20.05	5 / 48	Q1
YTD	+3.81%	+24.50%	-20.69	5 / 48	Q1
1Y	+12.12%	+28.03%	-15.91	5 / 48	Q1
2Y	+9.55%	+9.76%	-0.21	5 / 48	Q1
3Y	+8.25%	+2.68%	+5.57	1 / 44	Q1
4Y	+9.35%	+3.22%	+6.13	1 / 42	Q1
5Y	+9.04%	+3.23%	+5.81	1 / 37	Q1
7Y	+10.53%	+2.91%	+7.62	1 / 33	Q1
10Y	+9.50%	+3.49%	+6.01	1 / 25	Q1
Inception	+9.05%	+10.01%	-0.97	5 / 48	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	+3.81%	+2.67%	+1.14	14 / 33
2019	+10.28%	+2.75%	+7.53	3 / 33
2018	+6.26%	+3.81%	+2.45	8 / 27
2017	+4.52%	+1.05%	+3.47	9 / 25
2016	+16.71%	+6.59%	+10.12	1 / 24
2015	+6.24%	+8.15%	-1.92	3 / 3
2014	+19.36%	+19.36%	+0.00	1 / 1
2013	+8.99%	+8.99%	+0.00	1 / 1
2012	+9.09%	+9.09%	+0.00	1 / 1
2011	+8.19%	+8.19%	+0.00	1 / 1
2010	+3.49%	+3.49%	+0.00	1 / 1

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

+9.06%

160 windows

min 2.2% · max 21.3%

100% positive

3-Year rolling

+9.13%

135 windows

min 6.0% · max 14.4%

100% positive

5-Year rolling

+9.35%

111 windows

min 7.1% · max 12.2%

100% positive

7-Year rolling

+9.45%

87 windows

min 7.6% · 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

2.95%

3-year · annualised

Sharpe ratio

0.53

vs risk-free 6.5%

Sortino ratio

1.79

Downside-only deviation

Max drawdown

-2.49%

Mar 2020 → Mar 2020

% positive months

77.8%

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 Dynamic Bond Fund

Scheme	Fund house	NAV	As of
ICICI Prudential Long Term Plan- Regular Dividend	ICICI Prudential	₹10.9534	3 Jun 2026
BANDHAN Dynamic Bond Fund - Regular Plan B - Annual IDCW	Bandhan	₹11.2383	3 Jun 2026
Quantum Dynamic Bond Fund - Regular Plan Monthly IDCW	Quantum	₹10.2522	3 Jun 2026
Aditya Birla Sun Life Dynamic Bond Fund -Regular - IDCW	Aditya Birla Sun Life	₹11.9051	3 Jun 2026
Mirae Asset Dynamic Bond Fund Regular IDCW	Mirae Asset	₹16.8936	3 Jun 2026
Kotak Dynamic Bond Fund Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.4863	3 Jun 2026
HSBC Dynamic Bond Fund - Regular Annual IDCW	HSBC	₹10.0493	3 Jun 2026
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Daily IDCW Option	Baroda BNP Paribas	₹9.9714	3 Jun 2026
UTI Dynamic Bond Fund - Regular Plan - Annual IDCW	UTI	₹13.6913	3 Jun 2026
Axis Dynamic Bond Fund - Regular Plan - Half Yearly IDCW	Axis	₹11.6764	3 Jun 2026

Recent NAVs

Date	NAV
24 Apr 2020	₹49.3216
23 Apr 2020	₹49.6309
22 Apr 2020	₹49.1255
21 Apr 2020	₹49.1336
20 Apr 2020	₹49.0498
17 Apr 2020	₹48.6967
16 Apr 2020	₹48.5207
15 Apr 2020	₹48.4616
13 Apr 2020	₹48.4032
9 Apr 2020	₹48.3008

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 Long Term Plan- Regular Growth Option is ₹49.3216. It's a Dynamic Bond Fund from ICICI Prudential, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Long Term Plan- Regular 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 Long Term Plan- Regular Growth Option is managed by ICICI Prudential. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Long Term Plan- Regular Growth Option has delivered a absolute return of 12.12% — -15.91 pp behind the Dynamic Bond Fund category average of 28.03%. The fund ranks #5 of 48 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Long Term Plan- Regular Growth Option has delivered a CAGR of 8.25% — +5.57 pp ahead of the Dynamic Bond Fund category average of 2.68%. The fund ranks #1 of 44 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Long Term Plan- Regular Growth Option has delivered a CAGR of 9.04% — +5.81 pp ahead of the Dynamic Bond Fund category average of 3.23%. The fund ranks #1 of 37 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Long Term Plan- Regular Growth Option exactly 10 years ago would be worth approximately ₹247,744 today — a multiplier of 2.48×, based on the 10-year CAGR of 9.50%. The category average over the same window would have grown ₹1 lakh to ₹140,905.

A ₹10,000 monthly SIP in ICICI Prudential Long Term Plan- Regular Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹756,635 today. That's an XIRR (money-weighted annualised return) of 9.20%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Long Term Plan- Regular Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,014,460 (multiplier 1.68×). XIRR: 9.99%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Long Term Plan- Regular Growth Option ranks #1 out of 37 funds in the Dynamic Bond Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.23%; this fund delivered 9.04%.

The worst peak-to-trough decline ICICI Prudential Long Term Plan- Regular Growth Option has experienced over the last 5-year window is 3.73% — its NAV fell from a high on 24 Nov 2016 to a low on 10 Mar 2017. 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 Long Term Plan- Regular Growth Option averaged 9.35% (best 12.18%, worst 7.05%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.52 — reasonable risk-adjusted performance.

In calendar year 2019, ICICI Prudential Long Term Plan- Regular Growth Option returned 10.28% — beating the Dynamic Bond Fund category average of 2.75% by 7.53 pp. It ranked #3 of 33 in its category that year.

ICICI Prudential Long Term Plan- Regular 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 Long Term Plan- Regular 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: 3.7%. 5-year CAGR: 9.04%.

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

ICICI Prudential Long Term Plan- Regular Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Dynamic Bond Fund

Recent NAVs

Frequently asked questions

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