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: 9.09%.

ICICI Prudential

ICICI Prudential Regular Savings Fund - Direct Plan - Growth

Latest NAV

₹85.9815

As of

3 Jun 2026

3,235 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	+0.12%	+28.03%	-27.91	8 / 19	Q2
1W	-0.36%	+21.43%	-21.79	15 / 20	Q3
2W	+0.13%	+21.87%	-21.74	13 / 20	Q3
1M	+0.18%	+17.95%	-17.76	4 / 20	Q1
3M	+0.68%	+24.54%	-23.87	6 / 19	Q2
6M	+0.20%	+17.20%	-17.00	9 / 18	Q2
YTD	+0.10%	+9.83%	-9.73	8 / 19	Q2
1Y	+4.36%	+20.85%	-16.48	4 / 18	Q1
2Y	+7.49%	+10.57%	-3.08	3 / 18	Q1
3Y	+9.91%	+8.42%	+1.49	2 / 17	Q1
4Y	+9.72%	+8.73%	+0.99	5 / 17	Q2
5Y	+9.09%	+8.00%	+1.09	4 / 16	Q1
7Y	+9.55%	+8.39%	+1.17	3 / 15	Q1
10Y	+9.95%	+8.30%	+1.65	2 / 15	Q1
Inception	+10.32%	+22.72%	-12.40	3 / 18	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	+0.10%	-0.59%	+0.69	7 / 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%	+21.59%	-15.66	5 / 17
2021	+10.82%	+3.40%	+7.43	9 / 17
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%

152 windows

min -0.6% · max 28.4%

99% positive

3-Year rolling

+10.67%

127 windows

min 6.2% · max 16.1%

100% positive

5-Year rolling

+10.43%

103 windows

min 7.7% · max 13.4%

100% positive

7-Year rolling

+10.37%

79 windows

min 9.4% · max 12.3%

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

3.31%

3-year · annualised

Sharpe ratio

0.92

vs risk-free 6.5%

Sortino ratio

2.11

Downside-only deviation

Max drawdown

-3.02%

Feb 2026 → Mar 2026

% positive months

86.1%

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	₹87.6361	3 Jun 2026
Nippon India Conservative Hybrid Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹67.3366	3 Jun 2026
SBI Conservative Hybrid Fund - Direct Plan - Growth	SBI	₹82.3146	3 Jun 2026
BANDHAN Conservative Hybrid Fund-Direct Plan-Growth	Bandhan	₹36.1366	3 Jun 2026
Aditya Birla Sun Life Regular Savings Fund - Growth / Payment - Direct Plan	Aditya Birla Sun Life	₹77.2696	3 Jun 2026
Franklin India Conservative Hybrid Fund - Direct - GROWTH	Franklin India	₹100.2188	3 Jun 2026
Kotak Debt Hybrid - Growth - Direct	Kotak	₹67.9807	3 Jun 2026
Parag Parikh Conservative Hybrid Fund - Direct Plan - Growth	Parag Parikh	₹15.7248	3 Jun 2026
DSP Regular Savings Fund - Direct Plan - Growth	DSP	₹67.7367	3 Jun 2026
HSBC Conservative Hybrid Fund - Direct Growth	HSBC	₹70.4441	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹85.9815
2 Jun 2026	₹86.0996
1 Jun 2026	₹86.0005
29 May 2026	₹86.1651
27 May 2026	₹86.3866
26 May 2026	₹86.4095
25 May 2026	₹86.4017
22 May 2026	₹86.0192
21 May 2026	₹85.9258
20 May 2026	₹85.9738

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 03 Jun 2026, the NAV of ICICI Prudential Regular Savings Fund - Direct Plan - Growth is ₹85.9815. 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 4 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 4.36% — -16.48 pp behind the Conservative Hybrid Fund category average of 20.85%. The fund ranks #4 of 18 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 9.91% — +1.49 pp ahead of the Conservative Hybrid Fund category average of 8.42%. The fund ranks #2 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 9.09% — +1.09 pp ahead of the Conservative Hybrid Fund category average of 8.00%. The fund ranks #4 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 ₹258,158 today — a multiplier of 2.58×, based on the 10-year CAGR of 9.95%. The category average over the same window would have grown ₹1 lakh to ₹222,018.

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 ₹747,296 today. That's an XIRR (money-weighted annualised return) of 8.71%.

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 ₹1,953,252 (multiplier 1.63×). XIRR: 9.41%. 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 #4 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 8.00%; this fund delivered 9.09%.

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 10.43% (best 13.43%, worst 7.67%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.68 — 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: 9.09%.

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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