Should I invest in ICICI Prudential Overnight fund - Unclaimed IDCW Transitory Scheme?

We don't give personal investment advice. ICICI Prudential Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme 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 Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme

Unit split applied to historical metrics

This scheme had a 10× unit consolidation on 17 Aug 2022. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹1,300.4603

As of

19 Jul 2026

1,409 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%	+0.01%	+0.02	26 / 93	Q2
1W	+0.10%	+0.03%	+0.06	19 / 93	Q1
2W	+0.20%	+0.07%	+0.12	20 / 93	Q1
1M	+0.43%	+0.09%	+0.33	10 / 92	Q1
3M	+1.28%	+0.28%	+1.00	10 / 92	Q1
6M	+2.57%	+0.56%	+2.01	6 / 92	Q1
YTD	+2.82%	+0.66%	+2.16	7 / 87	Q1
1Y	+5.36%	+1.00%	+4.36	5 / 86	Q1
2Y	+5.83%	+0.89%	+4.94	4 / 84	Q1
3Y	+6.15%	+0.94%	+5.21	7 / 80	Q1
4Y	+6.16%	+0.96%	+5.20	6 / 74	Q1
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.83%	+1.01%	+4.82	3 / 93	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	+2.82%	+0.70%	+2.12	6 / 76
2025	+5.80%	+0.92%	+4.87	5 / 74
2024	+6.68%	+1.04%	+5.64	7 / 76
2023	+6.67%	+1.18%	+5.49	8 / 70
2022	+4.67%	+0.85%	+3.83	4 / 76
2021	—	—	—	—

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

+6.16%

45 windows

min 4.5% · max 6.8%

100% positive

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

3-Year rolling

+6.28%

21 windows

min 5.9% · max 6.4%

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

0.20%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Peak to trough

% positive months

100.0%

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 Overnight Fund

Scheme	Fund house	NAV	As of
HDFC Overnight Fund - Daily IDCW Option - Direct Plan	HDFC	₹1,042.6600	19 Jul 2026
NIPPON INDIA OVERNIGHT FUND - DIRECT Plan - DAILY IDCW Option	Nippon India	₹100.0050	19 Jul 2026
SBI Overnight Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,380.3311	19 Jul 2026
ICICI Prudential Overnight Fund - Direct Plan - Daily IDCW	ICICI Prudential	₹1,000.0050	19 Jul 2026
Invesco India Overnight Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,000.5303	19 Jul 2026
BANDHAN Overnight Fund - Direct Plan - Daily IDCW	Bandhan	₹1,000.0098	19 Jul 2026
quant Overnight Fund - IDCW Option - Direct Plan	Quant	₹12.5009	19 Jul 2026
ADITYA BIRLA SUN LIFE OVERNIGHT FUND- Direct - Monthly Payout of IDCW	Aditya Birla Sun Life	₹1,002.8608	19 Jul 2026
Franklin India Overnight Fund - Direct Daily Dividend Plan - Daily - IDCW	Franklin India	₹1,000.0007	19 Jul 2026
Mirae Asset Overnight Fund Direct Daily IDCW	Mirae Asset	₹1,000.0244	19 Jul 2026

Recent NAVs

Date	NAV
19 Jul 2026	₹1,300.4603
17 Jul 2026	₹1,300.0893
16 Jul 2026	₹1,299.9046
15 Jul 2026	₹1,299.7188
14 Jul 2026	₹1,299.5394
13 Jul 2026	₹1,299.3575
12 Jul 2026	₹1,299.1742
10 Jul 2026	₹1,298.8035
9 Jul 2026	₹1,298.6198
8 Jul 2026	₹1,298.4340

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 19 Jul 2026, the NAV of ICICI Prudential Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme is ₹1,300.4603. It's a Overnight Fund from ICICI Prudential, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme has NAV history starting from 01 Dec 2021, a track record of about 4 years 7 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

ICICI Prudential Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme is managed by ICICI Prudential. It's classified by AMFI under the 'Overnight Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme has delivered a absolute return of 5.36% — +4.36 pp ahead of the Overnight Fund category average of 1.00%. The fund ranks #5 of 86 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme has delivered a CAGR of 6.15% — +5.21 pp ahead of the Overnight Fund category average of 0.94%. The fund ranks #7 of 80 in its category — the top (Q1) quartile.

ICICI Prudential Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme 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 Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme exactly 3 years ago would be worth approximately ₹119,594 today — a multiplier of 1.20×, based on the 3-year CAGR of 6.15%. The category average over the same window would have grown ₹1 lakh to ₹102,832.

A ₹10,000 monthly SIP in ICICI Prudential Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme over the last 3 years — total invested ₹360,000 — would be worth ₹393,244 today. That's an XIRR (money-weighted annualised return) of 5.82%.

ICICI Prudential Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹393,244 — XIRR 5.82%.

On a 3-year basis, ICICI Prudential Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme ranks #7 out of 80 funds in the Overnight Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 0.94%; this fund delivered 6.15%.

The worst peak-to-trough decline ICICI Prudential Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme has experienced over the last 3-year window is 0.00%. 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 Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme averaged 6.28% (best 6.45%, worst 5.90%). 100% of rolling windows ended positive.

In calendar year 2025, ICICI Prudential Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme returned 5.80% — beating the Overnight Fund category average of 0.92% by 4.87 pp. It ranked #5 of 74 in its category that year.

ICICI Prudential Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme 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 Overnight fund - Direct Plan - Unclaimed IDCW Transitory Scheme 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.