Should I invest in ICICI Prudential Regular Savings Fund - Bonus?

We don't give personal investment advice. ICICI Prudential Regular Savings Fund - Direct Plan - Bonus is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 8.8%. 5-year CAGR: 8.58%.

ICICI Prudential

ICICI Prudential Regular Savings Fund - Direct Plan - Bonus

Latest NAV

₹46.3924

As of

24 Apr 2020

1,411 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	-0.63%	+0.08%	-0.71	38 / 38	Q4
1W	-0.50%	-0.01%	-0.49	37 / 38	Q4
2W	+0.71%	+0.09%	+0.62	2 / 38	Q1
1M	+4.01%	+0.32%	+3.69	1 / 38	Q1
3M	-3.70%	+0.69%	-4.39	38 / 38	Q4
6M	-0.58%	-0.19%	-0.40	19 / 38	Q2
YTD	-3.02%	-0.75%	-2.27	34 / 38	Q4
1Y	+3.84%	-1.32%	+5.17	4 / 38	Q1
2Y	+5.86%	+0.31%	+5.55	4 / 38	Q1
3Y	+6.72%	+2.57%	+4.16	5 / 38	Q1
4Y	+9.14%	+3.17%	+5.97	4 / 38	Q1
5Y	+8.58%	+2.64%	+5.94	4 / 36	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+9.67%	+2.83%	+6.84	1 / 35	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	-3.02%	+4.76%	-7.78	33 / 35
2019	+10.18%	+0.47%	+9.71	1 / 35
2018	+5.93%	-3.59%	+9.52	1 / 35
2017	+13.09%	+4.34%	+8.75	2 / 35
2016	+11.47%	+3.67%	+7.80	2 / 33
2015	+7.37%	+7.37%	+0.00	1 / 1
2014	—	—	—	—

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

+9.87%

60 windows

min 0.3% · max 18.1%

100% positive

3-Year rolling

+10.38%

36 windows

min 6.0% · max 13.8%

100% positive

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

5-Year rolling

+9.81%

11 windows

min 7.6% · max 10.9%

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

6.25%

3-year · annualised

Sharpe ratio

0.06

vs risk-free 6.5%

Sortino ratio

0.07

Downside-only deviation

Max drawdown

-8.85%

Feb 2020 → Mar 2020

% positive months

80.6%

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 Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC Hybrid Debt Fund - IDCW Monthly - Direct Plan	HDFC	₹15.2730	17 Jul 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - MONTHLY IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Conservative Hybrid Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹25.6685	17 Jul 2026
ICICI Prudential Regular Savings Fund - Direct Plan - Half Yearly IDCW	ICICI Prudential	₹16.9038	17 Jul 2026
BANDHAN Conservative Hybrid Fund-Direct Plan-IDCW	Bandhan	₹13.2876	17 Jul 2026
Aditya Birla Sun Life Regular Savings Fund - DIRECT - MONTHLY IDCW	Aditya Birla Sun Life	₹27.2234	17 Jul 2026
Franklin India Conservative Hybrid Fund - Plan A - Direct - Monthly - IDCW	Franklin India	₹14.4078	17 Jul 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option - Direct	Kotak	₹13.4782	17 Jul 2026
Parag Parikh Conservative Hybrid Fund - Direct Plan - Monthly IDCW	Parag Parikh	₹11.0406	17 Jul 2026
DSP Regular Savings Fund - Direct Plan - IDCW - Monthly	DSP	₹14.2269	17 Jul 2026

Recent NAVs

Date	NAV
24 Apr 2020	₹46.3924
23 Apr 2020	₹46.6858
22 Apr 2020	₹46.5324
21 Apr 2020	₹46.3460
20 Apr 2020	₹46.6301
17 Apr 2020	₹46.6244
16 Apr 2020	₹46.1447
15 Apr 2020	₹45.9485
13 Apr 2020	₹45.9524
9 Apr 2020	₹46.0643

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 Regular Savings Fund - Direct Plan - Bonus is ₹46.3924. It's a Conservative Hybrid Fund from ICICI Prudential, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Regular Savings Fund - Direct Plan - Bonus has NAV history starting from 12 Jun 2014, a track record of about 12 years 1 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 Regular Savings Fund - Direct Plan - Bonus is managed by ICICI Prudential. It's classified by AMFI under the 'Conservative Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Regular Savings Fund - Direct Plan - Bonus has delivered a absolute return of 3.84% — +5.17 pp ahead of the Conservative Hybrid Fund category average of -1.32%. The fund ranks #4 of 38 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Regular Savings Fund - Direct Plan - Bonus has delivered a CAGR of 6.72% — +4.16 pp ahead of the Conservative Hybrid Fund category average of 2.57%. The fund ranks #5 of 38 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Regular Savings Fund - Direct Plan - Bonus has delivered a CAGR of 8.58% — +5.94 pp ahead of the Conservative Hybrid Fund category average of 2.64%. The fund ranks #4 of 36 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Regular Savings Fund - Direct Plan - Bonus exactly 5 years ago would be worth approximately ₹150,918 today — a multiplier of 1.51×, based on the 5-year CAGR of 8.58%. The category average over the same window would have grown ₹1 lakh to ₹113,892.

A ₹10,000 monthly SIP in ICICI Prudential Regular Savings Fund - Direct Plan - Bonus over the last 5 years — total invested ₹600,000 — would be worth ₹725,416 today. That's an XIRR (money-weighted annualised return) of 7.52%.

ICICI Prudential Regular Savings Fund - Direct Plan - Bonus doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹725,416 — XIRR 7.52%.

On a 5-year basis, ICICI Prudential Regular Savings Fund - Direct Plan - Bonus ranks #4 out of 36 funds in the Conservative Hybrid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.64%; this fund delivered 8.58%.

The worst peak-to-trough decline ICICI Prudential Regular Savings Fund - Direct Plan - Bonus has experienced over the last 5-year window is 8.85% — its NAV fell from a high on 20 Feb 2020 to a low on 23 Mar 2020. 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 Regular Savings Fund - Direct Plan - Bonus averaged 9.81% (best 10.93%, worst 7.60%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.31 — weak risk-adjusted performance.

In calendar year 2019, ICICI Prudential Regular Savings Fund - Direct Plan - Bonus returned 10.18% — beating the Conservative Hybrid Fund category average of 0.47% by 9.71 pp. It ranked #1 of 35 in its category that year.

ICICI Prudential Regular Savings Fund - Direct Plan - Bonus is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. ICICI Prudential Regular Savings Fund - Direct Plan - Bonus is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 8.8%. 5-year CAGR: 8.58%.

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

ICICI Prudential Regular Savings Fund - Direct Plan - Bonus

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Conservative Hybrid Fund

Recent NAVs

Frequently asked questions

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