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

We don't give personal investment advice. ICICI Prudential Savings Fund - Direct Plan - Fortnightly 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: 0.9%. 5-year CAGR: -0.00%.

ICICI Prudential

ICICI Prudential Savings Fund - Direct Plan - Fortnightly IDCW

Latest NAV

₹101.7350

As of

17 Jul 2026

2,921 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	+0.05%	0.00%	+0.05	46 / 87	Q3
1W	-0.03%	-0.01%	-0.02	83 / 87	Q4
2W	-0.05%	-0.06%	+0.01	68 / 87	Q4
1M	+0.04%	+0.06%	-0.02	46 / 87	Q3
3M	+0.06%	+0.44%	-0.38	36 / 85	Q2
6M	+0.11%	+1.05%	-0.94	50 / 84	Q3
YTD	+0.02%	+0.97%	-0.95	51 / 84	Q3
1Y	+0.07%	+2.29%	-2.21	40 / 84	Q2
2Y	+0.04%	+2.52%	-2.49	43 / 81	Q3
3Y	+0.00%	+2.27%	-2.27	46 / 76	Q3
4Y	+0.02%	+2.26%	-2.25	39 / 73	Q3
5Y	0.00%	+2.18%	-2.18	53 / 69	Q4
7Y	+0.02%	+2.14%	-2.12	45 / 69	Q3
10Y	+0.07%	+1.66%	-1.58	30 / 57	Q3
Inception	+0.06%	+1.91%	-1.84	67 / 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	+0.02%	+0.86%	-0.84	43 / 75
2025	-0.04%	+2.26%	-2.30	59 / 73
2024	-0.01%	+2.19%	-2.20	63 / 76
2023	+0.01%	+2.09%	-2.08	49 / 76
2022	+0.27%	+1.51%	-1.24	35 / 73
2021	-0.12%	+1.54%	-1.66	55 / 69
2020	+0.13%	+3.37%	-3.25	49 / 69
2019	-0.06%	-1.02%	+0.96	40 / 69
2018	-0.05%	+1.75%	-1.80	62 / 65
2017	-0.05%	+2.28%	-2.32	45 / 62
2016	+0.73%	+2.32%	-1.59	22 / 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

+0.07%

136 windows

min -1.2% · max 0.8%

61% positive

3-Year rolling

+0.07%

111 windows

min -0.4% · max 0.3%

70% positive

5-Year rolling

+0.06%

87 windows

min -0.1% · max 0.4%

82% positive

7-Year rolling

+0.07%

63 windows

min 0.0% · max 0.2%

97% 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

0.15%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.80%

Apr 2025 → May 2026

% positive months

52.8%

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 Low Duration Fund

Scheme	Fund house	NAV	As of
HDFC Low Duration Fund - Direct Plan - Daily IDCW	HDFC	₹10.0655	17 Jul 2026
NIPPON INDIA LOW DURATION FUND - DIRECT Plan - DAILY IDCW Option	Nippon India	₹1,012.3553	17 Jul 2026
SBI Low Duration Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,492.8573	17 Jul 2026
ICICI Prudential Savings Fund - Direct Plan - Daily IDCW	ICICI Prudential	₹105.7358	17 Jul 2026
Invesco India Low Duration Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹4,203.3146	17 Jul 2026
BANDHAN Low Duration Fund-Direct Plan-Daily IDCW	Bandhan	₹10.1111	17 Jul 2026
Aditya Birla Sun Life Low Duration Fund -Direct - daily IDCW	Aditya Birla Sun Life	₹100.0000	17 Jul 2026
Franklin India Low Duration Fund-Direct-IDCW	Franklin India	₹10.5950	17 Jul 2026
Mirae Asset Low Duration Fund - Direct Plan - Daily IDCW	Mirae Asset	₹1,208.9337	17 Jul 2026
Kotak Low Duration Fund - Direct Plan - Monthly - Reinvestment & Payout of Income Distribution cum Capital Withdrawal Option	Kotak	₹1,014.4328	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹101.7350
16 Jul 2026	₹101.6883
15 Jul 2026	₹101.7624
14 Jul 2026	₹101.7322
13 Jul 2026	₹101.8122
10 Jul 2026	₹101.7622
9 Jul 2026	₹101.7276
8 Jul 2026	₹101.6766
7 Jul 2026	₹101.7811
6 Jul 2026	₹101.8185

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 Savings Fund - Direct Plan - Fortnightly IDCW is ₹101.7350. 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 - Fortnightly IDCW has NAV history starting from 12 Jun 2014, a track record of about 12 years 1 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 - Fortnightly 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 - Fortnightly IDCW has delivered a absolute return of 0.07% — -2.21 pp behind the Low Duration Fund category average of 2.29%. The fund ranks #40 of 84 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Savings Fund - Direct Plan - Fortnightly IDCW has delivered a CAGR of 0.00% — -2.27 pp behind the Low Duration Fund category average of 2.27%. The fund ranks #46 of 76 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ICICI Prudential Savings Fund - Direct Plan - Fortnightly IDCW has delivered a CAGR of 0.00% — -2.18 pp behind the Low Duration Fund category average of 2.18%. The fund ranks #53 of 69 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Savings Fund - Direct Plan - Fortnightly IDCW exactly 10 years ago would be worth approximately ₹100,742 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.07%. The category average over the same window would have grown ₹1 lakh to ₹117,848.

A ₹10,000 monthly SIP in ICICI Prudential Savings Fund - Direct Plan - Fortnightly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹600,380 today. That's an XIRR (money-weighted annualised return) of 0.02%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Savings Fund - Direct Plan - Fortnightly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,201,605 (multiplier 1.00×). XIRR: 0.03%. 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 - Fortnightly IDCW ranks #53 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 2.18%; this fund delivered -0.00%.

The worst peak-to-trough decline ICICI Prudential Savings Fund - Direct Plan - Fortnightly IDCW has experienced over the last 5-year window is 0.93% — its NAV fell from a high on 30 Aug 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 - Fortnightly IDCW averaged 0.06% (best 0.41%, worst -0.10%). 82% of rolling windows ended positive.

In calendar year 2025, ICICI Prudential Savings Fund - Direct Plan - Fortnightly IDCW returned -0.04% — lagging the Low Duration Fund category average of 2.26% by 2.30 pp. It ranked #59 of 73 in its category that year.

ICICI Prudential Savings Fund - Direct Plan - Fortnightly 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 - Fortnightly 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: 0.9%. 5-year CAGR: -0.00%.

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

ICICI Prudential Savings Fund - Direct Plan - Fortnightly IDCW

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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