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

We don't give personal investment advice. ICICI Prudential Regular Savings Fund - 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: 8.9%. 5-year CAGR: 7.76%.

ICICI Prudential

ICICI Prudential Regular Savings Fund - Plan - Bonus

Latest NAV

₹18.3554

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%	+48.26%	-48.89	18 / 18	Q4
1W	-0.51%	+48.12%	-48.63	16 / 18	Q4
2W	+0.69%	+48.53%	-47.84	5 / 18	Q2
1M	+3.96%	+48.57%	-44.61	4 / 18	Q1
3M	-3.84%	+48.40%	-52.24	17 / 18	Q4
6M	-0.89%	+49.45%	-50.34	7 / 18	Q2
YTD	-3.21%	+46.71%	-49.92	11 / 18	Q3
1Y	+3.20%	+52.85%	-49.65	5 / 18	Q2
2Y	+5.18%	+13.97%	-8.79	5 / 18	Q2
3Y	+5.94%	+0.79%	+5.15	2 / 15	Q1
4Y	+8.33%	+1.39%	+6.94	1 / 15	Q1
5Y	+7.76%	+1.28%	+6.48	1 / 13	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.87%	+19.56%	-10.69	4 / 15	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
2020 YTD	-3.21%	+4.02%	-7.23	12 / 12
2019	+9.52%	-0.56%	+10.07	1 / 12
2018	+5.14%	-3.29%	+8.43	1 / 12
2017	+12.12%	+3.23%	+8.88	1 / 12
2016	+10.66%	+0.92%	+9.75	1 / 12
2015	+6.45%	+7.14%	-0.69	3 / 3
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

+9.04%

60 windows

min -0.3% · max 17.2%

98% positive

3-Year rolling

+9.51%

36 windows

min 5.2% · max 13.0%

100% positive

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

5-Year rolling

+8.98%

11 windows

min 6.8% · max 10.1%

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

6.24%

3-year · annualised

Sharpe ratio

-0.06

vs risk-free 6.5%

Sortino ratio

-0.08

Downside-only deviation

Max drawdown

-8.90%

Feb 2020 → Mar 2020

% 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
ICICI Prudential Regular Savings Fund - Plan - Half Yearly IDCW	ICICI Prudential	₹12.8911	3 Jun 2026
BANDHAN Conservative Hybrid Fund - Regular Plan - IDCW	Bandhan	₹11.0108	3 Jun 2026
Parag Parikh Conservative Hybrid Fund - Regular Plan - Monthly IDCW	Parag Parikh	₹10.5758	3 Jun 2026
BARODA BNP PARIBAS Conservative hybrid Fund-Regular Plan-Monthly IDCW Option	Baroda BNP Paribas	₹10.5476	3 Jun 2026
CANARA ROBECO CONSERVATIVE HYBRID FUND - REGULAR PLAN - QUARTERLY IDCW (Payout/Reinvestment)	Canara Robeco	₹13.2855	3 Jun 2026
Axis Conservative Hybrid Fund - Regular Plan - Annual IDCW	Axis	₹13.4424	3 Jun 2026
Sundaram Conservative Hybrid Fund (Formerly Known as Sundaram Debt Oriented Hybrid Fund) Regular Plan -Income Distribution cum Capital Withdrawal (IDCW)	Sundaram	₹18.1133	3 Jun 2026

Recent NAVs

Date	NAV
24 Apr 2020	₹18.3554
23 Apr 2020	₹18.4718
22 Apr 2020	₹18.4114
21 Apr 2020	₹18.3380
20 Apr 2020	₹18.4506
17 Apr 2020	₹18.4493
16 Apr 2020	₹18.2597
15 Apr 2020	₹18.1823
13 Apr 2020	₹18.1844
9 Apr 2020	₹18.2297

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 - Plan - Bonus is ₹18.3554. It's a Conservative Hybrid Fund from ICICI Prudential, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Regular Savings Fund - Plan - Bonus has NAV history starting from 12 Jun 2014, a track record of about 11 years 11 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 - 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 - Plan - Bonus has delivered a absolute return of 3.20% — -49.65 pp behind the Conservative Hybrid Fund category average of 52.85%. The fund ranks #5 of 18 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Regular Savings Fund - Plan - Bonus has delivered a CAGR of 5.94% — +5.15 pp ahead of the Conservative Hybrid Fund category average of 0.79%. The fund ranks #2 of 15 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Regular Savings Fund - Plan - Bonus has delivered a CAGR of 7.76% — +6.48 pp ahead of the Conservative Hybrid Fund category average of 1.28%. The fund ranks #1 of 13 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Regular Savings Fund - Plan - Bonus exactly 5 years ago would be worth approximately ₹145,338 today — a multiplier of 1.45×, based on the 5-year CAGR of 7.76%. The category average over the same window would have grown ₹1 lakh to ₹106,564.

A ₹10,000 monthly SIP in ICICI Prudential Regular Savings Fund - Plan - Bonus over the last 5 years — total invested ₹600,000 — would be worth ₹711,313 today. That's an XIRR (money-weighted annualised return) of 6.73%.

ICICI Prudential Regular Savings Fund - 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 ₹711,313 — XIRR 6.73%.

On a 5-year basis, ICICI Prudential Regular Savings Fund - Plan - Bonus ranks #1 out of 13 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 1.28%; this fund delivered 7.76%.

The worst peak-to-trough decline ICICI Prudential Regular Savings Fund - Plan - Bonus has experienced over the last 5-year window is 8.90% — 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 - Plan - Bonus averaged 8.98% (best 10.10%, worst 6.78%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.18 — weak risk-adjusted performance.

In calendar year 2019, ICICI Prudential Regular Savings Fund - Plan - Bonus returned 9.52% — beating the Conservative Hybrid Fund category average of -0.56% by 10.07 pp. It ranked #1 of 12 in its category that year.

ICICI Prudential Regular Savings Fund - 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 - 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: 8.9%. 5-year CAGR: 7.76%.

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