Should I invest in ICICI Prudential Medium Term Bond Fund - Annual IDCW?

We don't give personal investment advice. ICICI Prudential Medium Term Bond Fund -Direct Plan - Annual IDCW 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: 8.9%. 5-year CAGR: 2.45%.

ICICI Prudential

ICICI Prudential Medium Term Bond Fund -Direct Plan - Annual IDCW

Latest NAV

₹14.3488

As of

16 Sep 2022

1,597 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	-0.06%	+52.33%	-52.39	40 / 45	Q4
1W	-0.11%	+32.00%	-32.11	41 / 52	Q4
2W	+0.12%	+49.51%	-49.39	38 / 46	Q4
1M	+0.40%	+49.76%	-49.36	12 / 46	Q2
3M	+2.85%	+50.68%	-47.82	9 / 46	Q1
6M	+2.38%	+52.99%	-50.61	12 / 46	Q2
YTD	-3.21%	+49.92%	-53.13	43 / 46	Q4
1Y	-2.22%	+58.11%	-60.32	39 / 46	Q4
2Y	-1.11%	+18.22%	-19.33	42 / 45	Q4
3Y	+2.65%	+3.00%	-0.35	20 / 37	Q3
4Y	+4.17%	+3.75%	+0.42	17 / 35	Q2
5Y	+2.45%	+3.25%	-0.80	19 / 35	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+3.97%	+6.67%	-2.70	16 / 47	Q2

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
2022 YTD	-3.21%	+59.88%	-63.09	41 / 41
2021	-2.48%	-0.67%	-1.81	29 / 40
2020	+11.02%	-0.27%	+11.30	3 / 33
2019	+9.93%	+0.77%	+9.16	2 / 32
2018	+5.84%	+1.73%	+4.11	5 / 32
2017	-1.51%	+1.25%	-2.77	30 / 32
2016	—	—	—	—

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

+3.99%

69 windows

min -4.2% · max 12.0%

65% positive

3-Year rolling

+4.97%

45 windows

min 2.6% · max 8.9%

100% positive

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

5-Year rolling

+3.85%

20 windows

min 2.3% · max 6.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

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

6.20%

3-year · annualised

Sharpe ratio

-0.60

vs risk-free 6.5%

Sortino ratio

-0.69

Downside-only deviation

Max drawdown

-8.87%

Jan 2021 → May 2022

% positive months

83.3%

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 Medium Duration Fund

Scheme	Fund house	NAV	As of
HDFC Medium Term Debt Fund - Fortnightly IDCW Opt - Direct Plan	HDFC	₹10.1151	3 Jun 2026
NIPPON INDIA MEDIUM DURATION FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Medium Duration Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.5440	3 Jun 2026
ICICI Prudential Medium Term Bond Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.4292	3 Jun 2026
Invesco India Medium Duration Fund - Direct Plan - Discretionary IDCW (Payout/Reinvestment)	Invesco	₹1,326.0991	3 Jun 2026
Bandhan Medium Duration Fund - Direct Plan - Bi Monthly IDCW	Bandhan	₹10.5750	3 Jun 2026
Aditya Birla Sun Life Medium Term Plan - DIRECT - HALF YEARLY IDCW	Aditya Birla Sun Life	₹14.7184	3 Jun 2026
Kotak Medium Term Fund - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹26.7908	3 Jun 2026
DSP Bond Fund - Direct Plan - IDCW	DSP	₹11.5232	3 Jun 2026
HSBC Medium Duration Fund - Direct Annual IDCW	HSBC	₹11.4485	3 Jun 2026

Recent NAVs

Date	NAV
16 Sep 2022	₹14.3488
15 Sep 2022	₹14.3575
14 Sep 2022	₹14.3729
13 Sep 2022	₹14.3827
12 Sep 2022	₹14.3667
9 Sep 2022	₹14.3641
8 Sep 2022	₹14.3661
7 Sep 2022	₹14.3524
6 Sep 2022	₹14.3502
5 Sep 2022	₹14.3419

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 16 Sep 2022, the NAV of ICICI Prudential Medium Term Bond Fund -Direct Plan - Annual IDCW is ₹14.3488. It's a Medium Duration Fund from ICICI Prudential, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Medium Term Bond Fund -Direct Plan - Annual IDCW has NAV history starting from 09 Feb 2016, a track record of about 10 years 3 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

ICICI Prudential Medium Term Bond Fund -Direct Plan - Annual IDCW is managed by ICICI Prudential. It's classified by AMFI under the 'Medium Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Medium Term Bond Fund -Direct Plan - Annual IDCW has delivered a absolute return of -2.22% — -60.32 pp behind the Medium Duration Fund category average of 58.11%. The fund ranks #39 of 46 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ICICI Prudential Medium Term Bond Fund -Direct Plan - Annual IDCW has delivered a CAGR of 2.65% — -0.35 pp behind the Medium Duration Fund category average of 3.00%. The fund ranks #20 of 37 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ICICI Prudential Medium Term Bond Fund -Direct Plan - Annual IDCW has delivered a CAGR of 2.45% — -0.8 pp behind the Medium Duration Fund category average of 3.25%. The fund ranks #19 of 35 in its category — the third (Q3) quartile.

₹1 lakh invested in ICICI Prudential Medium Term Bond Fund -Direct Plan - Annual IDCW exactly 5 years ago would be worth approximately ₹112,867 today — a multiplier of 1.13×, based on the 5-year CAGR of 2.45%. The category average over the same window would have grown ₹1 lakh to ₹117,355.

A ₹10,000 monthly SIP in ICICI Prudential Medium Term Bond Fund -Direct Plan - Annual IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹639,228 today. That's an XIRR (money-weighted annualised return) of 2.49%.

ICICI Prudential Medium Term Bond Fund -Direct Plan - Annual IDCW doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹639,228 — XIRR 2.49%.

On a 5-year basis, ICICI Prudential Medium Term Bond Fund -Direct Plan - Annual IDCW ranks #19 out of 35 funds in the Medium Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.25%; this fund delivered 2.45%.

The worst peak-to-trough decline ICICI Prudential Medium Term Bond Fund -Direct Plan - Annual IDCW has experienced over the last 5-year window is 8.87% — its NAV fell from a high on 08 Jan 2021 to a low on 06 May 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 Medium Term Bond Fund -Direct Plan - Annual IDCW averaged 3.85% (best 6.56%, worst 2.30%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.62 — negative risk-adjusted performance.

In calendar year 2021, ICICI Prudential Medium Term Bond Fund -Direct Plan - Annual IDCW returned -2.48% — lagging the Medium Duration Fund category average of -0.67% by 1.81 pp. It ranked #29 of 40 in its category that year.

ICICI Prudential Medium Term Bond Fund -Direct Plan - Annual IDCW 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 Medium Term Bond Fund -Direct Plan - Annual IDCW 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: 8.9%. 5-year CAGR: 2.45%.

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