Should I invest in ICICI Prudential Savings Fund - Bonus?

We don't give personal investment advice. ICICI Prudential Savings Fund - Bonus is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.6%. 5-year CAGR: 7.96%.

ICICI Prudential

ICICI Prudential Savings Fund - Bonus

Latest NAV

₹154.9446

As of

24 Apr 2020

1,319 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	-0.25%	+0.01%	-0.26	45 / 46	Q4
1W	+0.20%	-7.85%	+8.05	21 / 50	Q2
2W	+0.53%	-4.03%	+4.56	1 / 48	Q1
1M	+1.99%	-4.03%	+6.02	1 / 48	Q1
3M	+1.21%	-3.68%	+4.90	4 / 48	Q1
6M	+3.08%	-2.28%	+5.36	4 / 48	Q1
YTD	+1.74%	-2.40%	+4.13	21 / 48	Q2
1Y	+7.91%	-0.31%	+8.22	4 / 48	Q1
2Y	+7.85%	+4.01%	+3.84	3 / 45	Q1
3Y	+7.48%	+3.64%	+3.84	4 / 43	Q1
4Y	+7.75%	+3.46%	+4.30	4 / 43	Q1
5Y	+7.96%	+3.44%	+4.52	2 / 39	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.06%	+4.12%	+3.94	5 / 46	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
2020 YTD	+1.74%	+4.32%	-2.58	20 / 35
2019	+8.76%	+1.00%	+7.76	4 / 39
2018	+7.16%	+2.90%	+4.26	4 / 37
2017	+7.01%	+2.57%	+4.44	3 / 37
2016	+9.03%	+3.64%	+5.38	4 / 38
2015	+8.77%	+2.59%	+6.18	1 / 7
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

+8.06%

55 windows

min 6.3% · max 9.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+7.84%

31 windows

min 7.0% · max 8.5%

100% positive

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

5-Year rolling

+8.08%

6 windows

min 7.7% · max 8.2%

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

1.57%

3-year · annualised

Sharpe ratio

0.48

vs risk-free 6.5%

Sortino ratio

0.87

Downside-only deviation

Max drawdown

-1.62%

Mar 2020 → Mar 2020

% positive months

97.2%

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 Low Duration Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA LOW DURATION FUND - IDCW Option	Nippon India	₹2,089.8894	3 Jun 2026
ICICI Prudential Flexible Income Plan Premium-Daily Dividend Plan	ICICI Prudential	₹105.7358	3 Jun 2026
Invesco India Low Duration Fund - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹4,068.9854	3 Jun 2026
Franklin India Low Duration Fund-IDCW	Franklin India	₹10.5303	3 Jun 2026
BARODA BNP PARIBAS LOW DURATION Fund-Defunct Plan- Daily IDCW Option	Baroda BNP Paribas	₹10.0499	3 Jun 2026
Canara Robeco Floating Rate-SHORT TERM PLAN-DAILY DIVIDEND REINVESTMENT	Canara Robeco	₹10.2600	3 Jun 2026
UTI - Treasury Advantage Fund - Quarterly Dividend Option	UTI	₹2,337.4714	3 Jun 2026
Birla Sun Life Cash Manager-Plan B(Growth)	Birla Sun Life	₹687.0564	3 Jun 2026
IDFC Liquidity Manager - Daily Dividend	IDFC	₹10.1011	3 Jun 2026
JM Low Duration Fund - Bonus Option - Principal Units		₹23.4425	3 Jun 2026

Recent NAVs

Date	NAV
24 Apr 2020	₹154.9446
23 Apr 2020	₹155.3309
22 Apr 2020	₹155.1491
21 Apr 2020	₹155.0565
20 Apr 2020	₹154.9315
17 Apr 2020	₹154.6339
16 Apr 2020	₹154.2390
15 Apr 2020	₹154.1869
13 Apr 2020	₹154.2028
9 Apr 2020	₹154.1268

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 Savings Fund - Bonus is ₹154.9446. It's a Low Duration Fund from ICICI Prudential, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Savings Fund - Bonus has NAV history starting from 05 Nov 2014, a track record of about 11 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 Savings Fund - Bonus is managed by ICICI Prudential. It's classified by AMFI under the 'Low Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Savings Fund - Bonus has delivered a absolute return of 7.91% — +8.22 pp ahead of the Low Duration Fund category average of -0.31%. The fund ranks #4 of 48 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Savings Fund - Bonus has delivered a CAGR of 7.48% — +3.84 pp ahead of the Low Duration Fund category average of 3.64%. The fund ranks #4 of 43 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Savings Fund - Bonus has delivered a CAGR of 7.96% — +4.52 pp ahead of the Low Duration Fund category average of 3.44%. The fund ranks #2 of 39 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Savings Fund - Bonus exactly 5 years ago would be worth approximately ₹146,687 today — a multiplier of 1.47×, based on the 5-year CAGR of 7.96%. The category average over the same window would have grown ₹1 lakh to ₹118,421.

A ₹10,000 monthly SIP in ICICI Prudential Savings Fund - Bonus over the last 5 years — total invested ₹600,000 — would be worth ₹729,393 today. That's an XIRR (money-weighted annualised return) of 7.73%.

ICICI Prudential Savings Fund - Bonus doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹729,393 — XIRR 7.73%.

On a 5-year basis, ICICI Prudential Savings Fund - Bonus ranks #2 out of 39 funds in the Low Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.44%; this fund delivered 7.96%.

The worst peak-to-trough decline ICICI Prudential Savings Fund - Bonus has experienced over the last 5-year window is 1.62% — its NAV fell from a high on 05 Mar 2020 to a low on 24 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 Savings Fund - Bonus averaged 8.08% (best 8.25%, worst 7.72%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.90 — reasonable risk-adjusted performance.

In calendar year 2019, ICICI Prudential Savings Fund - Bonus returned 8.76% — beating the Low Duration Fund category average of 1.00% by 7.76 pp. It ranked #4 of 39 in its category that year.

ICICI Prudential Savings Fund - Bonus is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. ICICI Prudential Savings Fund - Bonus is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.6%. 5-year CAGR: 7.96%.

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

ICICI Prudential Savings Fund - Bonus

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Low Duration Fund

Recent NAVs

Frequently asked questions

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