Should I invest in ICICI Prudential Regular Savings Fund?

We don't give personal investment advice. ICICI Prudential Regular Savings Fund - Direct Plan - Growth 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: 3.1%. 5-year CAGR: 9.40%.

ICICI Prudential

ICICI Prudential Regular Savings Fund - Direct Plan - Growth

Latest NAV

₹87.8731

As of

17 Jul 2026

3,266 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	+0.08%	+0.11%	-0.03	14 / 17	Q4
1W	-0.09%	+0.01%	-0.09	13 / 17	Q4
2W	-0.04%	+0.07%	-0.11	13 / 17	Q4
1M	+0.94%	+0.99%	-0.05	11 / 17	Q3
3M	+1.96%	+1.92%	+0.04	11 / 17	Q3
6M	+2.42%	+2.27%	+0.15	8 / 17	Q2
YTD	+2.16%	+1.77%	+0.40	8 / 17	Q2
1Y	+5.01%	+3.80%	+1.21	4 / 17	Q1
2Y	+7.14%	+5.86%	+1.29	3 / 17	Q1
3Y	+9.69%	+8.60%	+1.10	3 / 17	Q1
4Y	+10.02%	+9.12%	+0.90	4 / 17	Q1
5Y	+9.40%	+8.25%	+1.16	3 / 16	Q1
7Y	+9.85%	+8.75%	+1.10	3 / 15	Q1
10Y	+9.81%	+8.24%	+1.58	2 / 15	Q1
Inception	+10.39%	+9.10%	+1.29	2 / 16	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	+2.16%	+1.77%	+0.40	8 / 17
2025	+8.51%	+6.91%	+1.60	2 / 17
2024	+12.10%	+11.24%	+0.87	5 / 17
2023	+12.14%	+11.79%	+0.35	8 / 17
2022	+5.93%	+4.39%	+1.54	4 / 16
2021	+10.82%	+11.56%	-0.73	9 / 15
2020	+11.71%	+10.27%	+1.44	6 / 15
2019	+10.18%	+7.64%	+2.54	3 / 15
2018	+5.93%	+2.08%	+3.86	1 / 15
2017	+13.09%	+10.89%	+2.21	3 / 15
2016	+11.47%	+10.70%	+0.77	5 / 15

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

+11.12%

153 windows

min 1.2% · max 28.3%

100% positive

3-Year rolling

+10.72%

129 windows

min 6.2% · max 16.4%

100% positive

5-Year rolling

+10.47%

105 windows

min 8.0% · max 13.9%

100% positive

7-Year rolling

+10.37%

80 windows

min 9.4% · max 12.5%

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

3.15%

3-year · annualised

Sharpe ratio

0.90

vs risk-free 6.5%

Sortino ratio

2.45

Downside-only deviation

Max drawdown

-3.02%

Feb 2026 → Mar 2026

% 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 Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC Hybrid Debt Fund - Growth Option - Direct Plan	HDFC	₹90.0707	17 Jul 2026
Nippon India Conservative Hybrid Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹68.7236	17 Jul 2026
SBI Conservative Hybrid Fund - Direct Plan - Growth	SBI	₹84.0111	17 Jul 2026
BANDHAN Conservative Hybrid Fund-Direct Plan-Growth	Bandhan	₹37.1622	17 Jul 2026
Aditya Birla Sun Life Regular Savings Fund - Growth / Payment - Direct Plan	Aditya Birla Sun Life	₹79.1779	17 Jul 2026
Franklin India Conservative Hybrid Fund - Direct - GROWTH	Franklin India	₹102.3696	17 Jul 2026
Kotak Debt Hybrid - Growth - Direct	Kotak	₹69.9432	17 Jul 2026
Parag Parikh Conservative Hybrid Fund - Direct Plan - Growth	Parag Parikh	₹16.1304	17 Jul 2026
DSP Regular Savings Fund - Direct Plan - Growth	DSP	₹69.2221	17 Jul 2026
HSBC Conservative Hybrid Fund - Direct Growth	HSBC	₹72.1056	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹87.8731
16 Jul 2026	₹87.8017
15 Jul 2026	₹87.8077
14 Jul 2026	₹87.7222
13 Jul 2026	₹88.0171
10 Jul 2026	₹87.9502
9 Jul 2026	₹87.6526
8 Jul 2026	₹87.4705
7 Jul 2026	₹88.0603
6 Jul 2026	₹88.0729

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 17 Jul 2026, the NAV of ICICI Prudential Regular Savings Fund - Direct Plan - Growth is ₹87.8731. It's a Conservative Hybrid Fund from ICICI Prudential, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Regular Savings Fund - Direct Plan - Growth has NAV history starting from 04 Jan 2013, a track record of about 13 years 6 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 - Growth 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 - Growth has delivered a absolute return of 5.01% — +1.21 pp ahead of the Conservative Hybrid Fund category average of 3.80%. The fund ranks #4 of 17 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Regular Savings Fund - Direct Plan - Growth has delivered a CAGR of 9.69% — +1.1 pp ahead of the Conservative Hybrid Fund category average of 8.60%. The fund ranks #3 of 17 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Regular Savings Fund - Direct Plan - Growth has delivered a CAGR of 9.40% — +1.16 pp ahead of the Conservative Hybrid Fund category average of 8.25%. The fund ranks #3 of 16 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Regular Savings Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹254,968 today — a multiplier of 2.55×, based on the 10-year CAGR of 9.81%. The category average over the same window would have grown ₹1 lakh to ₹220,638.

A ₹10,000 monthly SIP in ICICI Prudential Regular Savings Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹754,139 today. That's an XIRR (money-weighted annualised return) of 9.08%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Regular Savings Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,970,144 (multiplier 1.64×). XIRR: 9.58%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Regular Savings Fund - Direct Plan - Growth ranks #3 out of 16 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 8.25%; this fund delivered 9.40%.

The worst peak-to-trough decline ICICI Prudential Regular Savings Fund - Direct Plan - Growth has experienced over the last 5-year window is 3.13% — its NAV fell from a high on 17 Jan 2022 to a low on 07 Mar 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 Regular Savings Fund - Direct Plan - Growth averaged 10.47% (best 13.92%, worst 8.00%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.72 — reasonable risk-adjusted performance.

In calendar year 2025, ICICI Prudential Regular Savings Fund - Direct Plan - Growth returned 8.51% — beating the Conservative Hybrid Fund category average of 6.91% by 1.60 pp. It ranked #2 of 17 in its category that year.

ICICI Prudential Regular Savings Fund - Direct Plan - Growth 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 - Growth 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: 3.1%. 5-year CAGR: 9.40%.

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 - Growth

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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