Should I invest in ICICI Prudential Savings Fund - Daily IDCW?

We don't give personal investment advice. ICICI Prudential Savings Fund - Direct Plan - Daily IDCW 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: 0.6%. 5-year CAGR: 0.00%.

ICICI Prudential

ICICI Prudential Savings Fund - Direct Plan - Daily IDCW

Latest NAV

₹105.7358

As of

3 Jun 2026

3,237 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%	+0.02%	-0.02	70 / 87	Q4
1W	+0.14%	-4.24%	+4.37	62 / 91	Q3
2W	+0.10%	-2.10%	+2.20	66 / 89	Q3
1M	+0.00%	-2.19%	+2.19	66 / 87	Q4
3M	+0.00%	-2.06%	+2.06	58 / 87	Q3
6M	+0.00%	-1.60%	+1.60	58 / 86	Q3
YTD	+0.00%	-1.70%	+1.70	57 / 86	Q3
1Y	+0.00%	-0.19%	+0.19	57 / 86	Q3
2Y	+0.00%	+2.47%	-2.47	62 / 81	Q4
3Y	+0.00%	+2.22%	-2.22	53 / 76	Q3
4Y	+0.06%	+2.25%	-2.19	44 / 73	Q3
5Y	+0.00%	+2.13%	-2.13	55 / 69	Q4
7Y	+0.00%	+2.14%	-2.14	61 / 69	Q4
10Y	+0.00%	+1.65%	-1.65	48 / 57	Q4
Inception	+0.00%	+1.88%	-1.88	79 / 86	Q4

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	+0.00%	+0.49%	-0.49	49 / 75
2025	+0.00%	+2.26%	-2.26	50 / 73
2024	+0.00%	+2.19%	-2.19	55 / 76
2023	+0.00%	-0.53%	+0.53	63 / 78
2022	+0.11%	+1.51%	-1.40	39 / 73
2021	-0.11%	+1.54%	-1.65	54 / 69
2020	+0.00%	+3.37%	-3.37	57 / 69
2019	+0.00%	-1.02%	+1.02	28 / 69
2018	+0.00%	+1.75%	-1.75	43 / 65
2017	+0.00%	+2.28%	-2.28	31 / 62
2016	-0.04%	+2.32%	-2.36	54 / 61

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

+0.00%

152 windows

min -0.5% · max 0.5%

20% positive

3-Year rolling

+0.00%

127 windows

min -0.2% · max 0.4%

21% positive

5-Year rolling

0.00%

103 windows

min -0.1% · max 0.1%

18% positive

7-Year rolling

0.00%

79 windows

min -0.1% · max 0.0%

18% 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

0.05%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.27%

Mar 2024 → May 2026

% positive months

11.1%

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 Low Duration Fund

Scheme	Fund house	NAV	As of
HDFC Low Duration Fund - Direct Plan - Daily IDCW	HDFC	₹10.0655	3 Jun 2026
NIPPON INDIA LOW DURATION FUND - DIRECT Plan - DAILY IDCW Option	Nippon India	₹1,012.2892	3 Jun 2026
SBI Low Duration Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,473.8948	3 Jun 2026
ICICI Prudential Savings Fund - Direct Plan - Fortnightly IDCW	ICICI Prudential	₹101.7575	3 Jun 2026
Invesco India Low Duration Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹4,153.7681	3 Jun 2026
BANDHAN Low Duration Fund-Direct Plan-Daily IDCW	Bandhan	₹10.1108	3 Jun 2026
Aditya Birla Sun Life Low Duration Fund -Direct - daily IDCW	Aditya Birla Sun Life	₹100.0001	3 Jun 2026
Franklin India Low Duration Fund-Direct-IDCW	Franklin India	₹10.5878	3 Jun 2026
Mirae Asset Low Duration Fund - Direct Plan - Daily IDCW	Mirae Asset	₹1,208.9337	3 Jun 2026
Kotak Low Duration Fund - Direct Plan - Monthly - Reinvestment & Payout of Income Distribution cum Capital Withdrawal Option	Kotak	₹1,000.2840	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹105.7358
2 Jun 2026	₹105.7358
1 Jun 2026	₹105.7358
29 May 2026	₹105.7103
27 May 2026	₹105.6194
26 May 2026	₹105.5926
25 May 2026	₹105.6033
22 May 2026	₹105.5251
21 May 2026	₹105.5100
20 May 2026	₹105.5983

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 Savings Fund - Direct Plan - Daily IDCW is ₹105.7358. It's a Low Duration Fund from ICICI Prudential, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Savings Fund - Direct Plan - Daily IDCW has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 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 - Direct Plan - Daily IDCW 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 - Direct Plan - Daily IDCW has delivered a absolute return of 0.00% — +0.19 pp ahead of the Low Duration Fund category average of -0.19%. The fund ranks #57 of 86 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ICICI Prudential Savings Fund - Direct Plan - Daily IDCW has delivered a CAGR of 0.00% — -2.22 pp behind the Low Duration Fund category average of 2.22%. The fund ranks #53 of 76 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ICICI Prudential Savings Fund - Direct Plan - Daily IDCW has delivered a CAGR of 0.00% — -2.13 pp behind the Low Duration Fund category average of 2.13%. The fund ranks #55 of 69 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Savings Fund - Direct Plan - Daily IDCW exactly 10 years ago would be worth approximately ₹100,000 today — a multiplier of 1.00×, based on the 10-year CAGR of 0.00%. The category average over the same window would have grown ₹1 lakh to ₹117,784.

A ₹10,000 monthly SIP in ICICI Prudential Savings Fund - Direct Plan - Daily IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹600,135 today. That's an XIRR (money-weighted annualised return) of 0.01%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Savings Fund - Direct Plan - Daily IDCW = ₹1,200,000 invested. It would currently be worth ₹1,200,207 (multiplier 1.00×). XIRR: 0.00%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Savings Fund - Direct Plan - Daily IDCW ranks #55 out of 69 funds in the Low Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.13%; this fund delivered 0.00%.

The worst peak-to-trough decline ICICI Prudential Savings Fund - Direct Plan - Daily IDCW has experienced over the last 5-year window is 0.61% — its NAV fell from a high on 02 Jun 2021 to a low on 28 Jun 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 Savings Fund - Direct Plan - Daily IDCW averaged -0.00% (best 0.06%, worst -0.10%). 18% of rolling windows ended positive.

In calendar year 2025, ICICI Prudential Savings Fund - Direct Plan - Daily IDCW returned 0.00% — lagging the Low Duration Fund category average of 2.26% by 2.26 pp. It ranked #50 of 73 in its category that year.

ICICI Prudential Savings Fund - Direct Plan - Daily IDCW 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 - Direct Plan - Daily IDCW 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: 0.6%. 5-year CAGR: 0.00%.

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