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

We don't give personal investment advice. ICICI Prudential Regular Savings Fund - Plan - Quarterly 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: 7.6%. 5-year CAGR: 1.25%.

ICICI Prudential

ICICI Prudential Regular Savings Fund - Plan - Quarterly IDCW

Latest NAV

₹12.2349

As of

17 Jul 2026

3,871 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%	+0.07%	+0.01	9 / 15	Q3
1W	-0.10%	+0.05%	-0.15	11 / 15	Q3
2W	-0.07%	+0.19%	-0.25	14 / 15	Q4
1M	+0.88%	+0.40%	+0.48	4 / 15	Q2
3M	+1.54%	+0.46%	+1.08	3 / 15	Q1
6M	+1.80%	-0.61%	+2.42	2 / 15	Q1
YTD	+1.52%	-1.20%	+2.71	2 / 15	Q1
1Y	+1.31%	-1.84%	+3.15	3 / 15	Q1
2Y	+2.33%	-0.87%	+3.20	3 / 15	Q1
3Y	+1.85%	+1.01%	+0.84	5 / 15	Q2
4Y	+1.79%	+1.67%	+0.12	5 / 15	Q2
5Y	+1.25%	+1.53%	-0.28	7 / 13	Q3
7Y	+1.16%	+1.62%	-0.46	5 / 11	Q2
10Y	+0.15%	+0.69%	-0.54	8 / 11	Q3
Inception	+1.27%	+1.56%	-0.29	7 / 12	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	+1.52%	-1.58%	+3.10	1 / 12
2025	+4.35%	-0.79%	+5.13	1 / 14
2024	+0.15%	+1.77%	-1.62	11 / 14
2023	+1.08%	+3.34%	-2.26	12 / 14
2022	-1.68%	-2.02%	+0.34	6 / 12
2021	+0.88%	+4.94%	-4.06	10 / 11
2020	+1.23%	+4.02%	-2.79	10 / 12
2019	+0.42%	-0.56%	+0.98	5 / 12
2018	-0.91%	-3.29%	+2.38	3 / 12
2017	-2.02%	+3.23%	-5.25	12 / 12
2016	-0.12%	+0.92%	-1.04	7 / 12

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

+1.07%

184 windows

min -6.6% · max 12.9%

58% positive

3-Year rolling

+0.82%

159 windows

min -3.3% · max 6.3%

70% positive

5-Year rolling

+0.69%

135 windows

min -2.1% · max 3.6%

76% positive

7-Year rolling

+0.53%

111 windows

min -0.9% · max 2.3%

70% 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

4.35%

3-year · annualised

Sharpe ratio

-1.05

vs risk-free 6.5%

Sortino ratio

-1.55

Downside-only deviation

Max drawdown

-5.21%

Sep 2024 → Mar 2025

% positive months

58.3%

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	₹13.1634	17 Jul 2026
BANDHAN Conservative Hybrid Fund - Regular Plan - IDCW	Bandhan	₹11.2536	17 Jul 2026
Parag Parikh Conservative Hybrid Fund - Regular Plan - Monthly IDCW	Parag Parikh	₹10.7948	17 Jul 2026
BARODA BNP PARIBAS Conservative hybrid Fund-Regular Plan-Monthly IDCW Option	Baroda BNP Paribas	₹10.6875	17 Jul 2026
CANARA ROBECO CONSERVATIVE HYBRID FUND - REGULAR PLAN - QUARTERLY IDCW (Payout/Reinvestment)	Canara Robeco	₹13.4607	17 Jul 2026
Axis Conservative Hybrid Fund - Regular Plan - Annual IDCW	Axis	₹13.7500	17 Jul 2026
Sundaram Conservative Hybrid Fund (Formerly Known as Sundaram Debt Oriented Hybrid Fund) Regular Plan -Income Distribution cum Capital Withdrawal (IDCW)	Sundaram	₹18.4064	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹12.2349
16 Jul 2026	₹12.2252
15 Jul 2026	₹12.2262
14 Jul 2026	₹12.2146
13 Jul 2026	₹12.2559
10 Jul 2026	₹12.2472
9 Jul 2026	₹12.2060
8 Jul 2026	₹12.1809
7 Jul 2026	₹12.2633
6 Jul 2026	₹12.2653

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 - Plan - Quarterly IDCW is ₹12.2349. 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 - Quarterly IDCW has NAV history starting from 07 Jul 2010, a track record of about 16 years. 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 - Quarterly 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 - Quarterly IDCW has delivered a absolute return of 1.31% — +3.15 pp ahead of the Conservative Hybrid Fund category average of -1.84%. The fund ranks #3 of 15 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Regular Savings Fund - Plan - Quarterly IDCW has delivered a CAGR of 1.85% — +0.84 pp ahead of the Conservative Hybrid Fund category average of 1.01%. The fund ranks #5 of 15 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ICICI Prudential Regular Savings Fund - Plan - Quarterly IDCW has delivered a CAGR of 1.25% — -0.28 pp behind the Conservative Hybrid Fund category average of 1.53%. The fund ranks #7 of 13 in its category — the third (Q3) quartile.

₹1 lakh invested in ICICI Prudential Regular Savings Fund - Plan - Quarterly IDCW exactly 10 years ago would be worth approximately ₹101,495 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.15%. The category average over the same window would have grown ₹1 lakh to ₹107,144.

A ₹10,000 monthly SIP in ICICI Prudential Regular Savings Fund - Plan - Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹629,191 today. That's an XIRR (money-weighted annualised return) of 1.87%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Regular Savings Fund - Plan - Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,265,386 (multiplier 1.05×). XIRR: 1.05%. 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 - Quarterly IDCW ranks #7 out of 13 funds in the Conservative Hybrid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 1.53%; this fund delivered 1.25%.

The worst peak-to-trough decline ICICI Prudential Regular Savings Fund - Plan - Quarterly IDCW has experienced over the last 5-year window is 7.61% — its NAV fell from a high on 30 Sep 2021 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 - Plan - Quarterly IDCW averaged 0.69% (best 3.64%, worst -2.12%). 76% of rolling windows ended positive. The 5-year Sharpe ratio is -1.03 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Regular Savings Fund - Plan - Quarterly IDCW returned 4.35% — beating the Conservative Hybrid Fund category average of -0.79% by 5.13 pp. It ranked #1 of 14 in its category that year.

ICICI Prudential Regular Savings Fund - Plan - Quarterly 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 - Quarterly 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: 7.6%. 5-year CAGR: 1.25%.

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