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

We don't give personal investment advice. ICICI Prudential Regular Savings Fund - Plan - Monthly IDCW 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: 5.0%. 5-year CAGR: -0.08%.

ICICI Prudential

ICICI Prudential Regular Savings Fund - Plan - Monthly IDCW

Latest NAV

₹13.7621

As of

24 Jul 2026

4,904 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	0.00%	-0.01%	+0.01	9 / 33	Q2
1W	-0.47%	-0.45%	-0.02	15 / 33	Q2
2W	-0.57%	-0.51%	-0.06	21 / 33	Q3
1M	-1.10%	-0.32%	-0.78	30 / 33	Q4
3M	+0.72%	+0.84%	-0.12	18 / 33	Q3
6M	+1.01%	+0.30%	+0.71	16 / 33	Q2
YTD	+0.06%	-0.83%	+0.89	11 / 33	Q2
1Y	-0.47%	-1.21%	+0.74	17 / 33	Q3
2Y	-0.55%	+0.99%	-1.54	20 / 33	Q3
3Y	-0.30%	+3.62%	-3.92	27 / 33	Q4
4Y	-0.01%	+4.07%	-4.07	29 / 33	Q4
5Y	-0.08%	+3.33%	-3.41	25 / 33	Q4
7Y	+0.11%	+3.99%	-3.88	27 / 33	Q4
10Y	+0.04%	+3.05%	-3.02	22 / 33	Q3
Inception	+0.85%	+3.74%	-2.88	23 / 33	Q3

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	+0.06%	-0.83%	+0.89	11 / 33
2025	+0.06%	+1.83%	-1.77	21 / 33
2024	-0.25%	+6.68%	-6.94	33 / 33
2023	+0.34%	+6.65%	-6.31	32 / 33
2022	-0.69%	-0.18%	-0.51	18 / 33
2021	+0.41%	+6.74%	-6.33	29 / 33
2020	+1.68%	+5.49%	-3.82	25 / 33
2019	-0.39%	+2.15%	-2.53	24 / 33
2018	-2.47%	-3.43%	+0.96	14 / 33
2017	+3.75%	+4.29%	-0.53	15 / 33
2016	+1.45%	+4.98%	-3.54	26 / 33

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

+0.80%

236 windows

min -24.4% · max 26.6%

56% positive

3-Year rolling

+1.09%

211 windows

min -2.1% · max 7.3%

65% positive

5-Year rolling

+1.07%

187 windows

min -1.2% · max 4.5%

74% positive

7-Year rolling

+1.13%

163 windows

min -0.6% · max 5.1%

77% 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

3.05%

3-year · annualised

Sharpe ratio

-2.22

vs risk-free 6.5%

Sortino ratio

-3.02

Downside-only deviation

Max drawdown

-4.75%

Jul 2024 → Mar 2026

% positive months

50.0%

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 Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC Hybrid Debt Fund - Growth Plan	HDFC	₹83.7369	24 Jul 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - MONTHLY IDCW Option	Nippon India	₹0.0000	24 Jul 2026
SBI Conservative Hybrid Fund - Regular Plan - Annual Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹26.8982	24 Jul 2026
Franklin India Conservative Hybrid Fund - Growth	Franklin Templeton	₹92.1044	24 Jul 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹12.1922	24 Jul 2026
DSP Regular Savings Fund - Regular Plan - IDCW - Monthly	DSP BlackRock	₹10.9906	24 Jul 2026
HSBC Conservative Hybrid Fund - Regular Growth	HSBC	₹63.4001	24 Jul 2026
CANARA ROBECO CONSERVATIVE HYBRID FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹98.9873	24 Jul 2026
UTI Conservative Hybrd Fund - Regular Plan - Monthly Payment Option	UTI	₹70.6727	24 Jul 2026
Aditya Birla Sun Life Regular Savings Fund - Growth / Payment - Regular Plan	Birla Sun Life	₹70.0317	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹13.7621
23 Jul 2026	₹13.7622
22 Jul 2026	₹13.7782
21 Jul 2026	₹13.8155
20 Jul 2026	₹13.8142
17 Jul 2026	₹13.8272
16 Jul 2026	₹13.8162
15 Jul 2026	₹13.8174
14 Jul 2026	₹13.8042
13 Jul 2026	₹13.8509

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 Jul 2026, the NAV of ICICI Prudential Regular Savings Fund - Plan - Monthly IDCW is ₹13.7621. It's a Conservative Hybrid Fund from ICICI Prudential, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Regular Savings Fund - Plan - Monthly IDCW has NAV history starting from 02 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

ICICI Prudential Regular Savings Fund - Plan - Monthly IDCW 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 - Monthly IDCW has delivered a absolute return of -0.47% — +0.74 pp ahead of the Conservative Hybrid Fund category average of -1.21%. The fund ranks #17 of 33 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ICICI Prudential Regular Savings Fund - Plan - Monthly IDCW has delivered a CAGR of -0.30% — -3.92 pp behind the Conservative Hybrid Fund category average of 3.62%. The fund ranks #27 of 33 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Regular Savings Fund - Plan - Monthly IDCW has delivered a CAGR of -0.08% — -3.41 pp behind the Conservative Hybrid Fund category average of 3.33%. The fund ranks #25 of 33 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Regular Savings Fund - Plan - Monthly IDCW exactly 10 years ago would be worth approximately ₹100,369 today — a multiplier of 1.00×, based on the 10-year CAGR of 0.04%. The category average over the same window would have grown ₹1 lakh to ₹135,098.

A ₹10,000 monthly SIP in ICICI Prudential Regular Savings Fund - Plan - Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹599,087 today. That's an XIRR (money-weighted annualised return) of -0.06%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Regular Savings Fund - Plan - Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,196,073 (multiplier 1.00×). XIRR: -0.07%. 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 - Plan - Monthly IDCW ranks #25 out of 33 funds in the Conservative Hybrid Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 3.33%; this fund delivered -0.08%.

The worst peak-to-trough decline ICICI Prudential Regular Savings Fund - Plan - Monthly IDCW has experienced over the last 5-year window is 5.02% — its NAV fell from a high on 31 Aug 2021 to a low on 30 Mar 2026. 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 - Monthly IDCW averaged 1.07% (best 4.49%, worst -1.17%). 74% of rolling windows ended positive. The 5-year Sharpe ratio is -2.03 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Regular Savings Fund - Plan - Monthly IDCW returned 0.06% — lagging the Conservative Hybrid Fund category average of 1.83% by 1.77 pp. It ranked #21 of 33 in its category that year.

ICICI Prudential Regular Savings Fund - Plan - Monthly IDCW 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 - Monthly IDCW 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: 5.0%. 5-year CAGR: -0.08%.

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