Should I invest in ICICI Prudential Savings Fund?

We don't give personal investment advice. ICICI Prudential Savings Fund - Direct Plan - Growth 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: 6.69%.

ICICI Prudential

ICICI Prudential Savings Fund - Direct Plan - Growth

Latest NAV

₹589.8809

As of

17 Jul 2026

3,268 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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%	+0.05%	-0.01	19 / 27	Q3
1W	+0.10%	+0.09%	+0.01	7 / 27	Q2
2W	+0.07%	+0.08%	0.00	11 / 27	Q2
1M	+0.68%	+0.65%	+0.03	4 / 27	Q1
3M	+1.65%	+1.59%	+0.06	7 / 27	Q2
6M	+3.36%	+3.37%	-0.01	13 / 26	Q2
YTD	+3.39%	+3.44%	-0.04	12 / 25	Q2
1Y	+6.40%	+6.66%	-0.26	4 / 25	Q1
2Y	+7.44%	+7.70%	-0.26	8 / 22	Q2
3Y	+7.56%	+7.44%	+0.12	4 / 22	Q1
4Y	+7.65%	+7.31%	+0.34	2 / 21	Q1
5Y	+6.69%	+6.67%	+0.02	8 / 19	Q2
7Y	+6.84%	+6.83%	+0.01	9 / 19	Q2
10Y	+7.17%	+6.85%	+0.33	4 / 16	Q1
Inception	+7.75%	+6.95%	+0.80	4 / 27	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
2026 YTD	+3.39%	+3.34%	+0.05	11 / 24
2025	+7.79%	+7.72%	+0.06	8 / 21
2024	+8.03%	+7.84%	+0.18	2 / 21
2023	+7.74%	+7.37%	+0.37	1 / 21
2022	+4.62%	+4.67%	-0.05	9 / 20
2021	+3.83%	+4.92%	-1.09	12 / 19
2020	+8.65%	+8.39%	+0.26	4 / 19
2019	+8.88%	+6.00%	+2.89	6 / 19
2018	+7.32%	+7.58%	-0.26	14 / 18
2017	+7.15%	+7.15%	+0.00	7 / 17
2016	+9.16%	+8.94%	+0.22	6 / 17

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

+7.74%

153 windows

min 2.8% · max 10.5%

100% positive

3-Year rolling

+7.56%

129 windows

min 5.4% · max 9.6%

100% positive

5-Year rolling

+7.42%

105 windows

min 6.4% · max 8.9%

100% positive

7-Year rolling

+7.47%

80 windows

min 6.8% · max 8.8%

100% 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

0.67%

3-year · annualised

Sharpe ratio

1.24

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.21%

May 2026 → May 2026

% positive months

100.0%

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 Low Duration Fund

Scheme	Fund house	NAV	As of
HDFC Low Duration Fund - Direct Plan - Growth	HDFC	₹66.9311	17 Jul 2026
Nippon India Low Duration Fund - Direct Plan Growth Plan - Bonus Option	Nippon India	₹2,467.5759	17 Jul 2026
SBI LOW DURATION FUND - DIRECT PLAN - GROWTH	SBI	₹3,872.6401	17 Jul 2026
Invesco India Low Duration Fund - Direct Plan - Growth	Invesco	₹4,201.4234	17 Jul 2026
BANDHAN Low Duration Fund-Direct Plan-Growth	Bandhan	₹42.1467	17 Jul 2026
Aditya Birla Sun Life Low duration Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹776.9142	17 Jul 2026
Franklin India Low Duration Fund-Direct-Growth	Franklin India	₹11.0472	17 Jul 2026
Mirae Asset Low Duration Fund - Direct Plan - Growth	Mirae Asset	₹2,629.7394	17 Jul 2026
Kotak Low Duration Fund- Direct Plan- Growth Option	Kotak	₹3,900.1775	17 Jul 2026
Edelweiss Low Duration Fund - Direct Plan Growth	Edelweiss	₹1,094.5613	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹589.8809
16 Jul 2026	₹589.6102
15 Jul 2026	₹589.2959
14 Jul 2026	₹589.1207
13 Jul 2026	₹589.5838
10 Jul 2026	₹589.2945
9 Jul 2026	₹589.0940
8 Jul 2026	₹588.7987
7 Jul 2026	₹589.4043
6 Jul 2026	₹589.6207

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 - Growth is ₹589.8809. It's a Low Duration Fund from ICICI Prudential, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Savings Fund - Direct Plan - Growth has NAV history starting from 02 Jan 2013, a track record of about 13 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 - Direct Plan - Growth 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 - Growth has delivered a absolute return of 6.40% — -0.26 pp behind the Low Duration Fund category average of 6.66%. The fund ranks #4 of 25 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Savings Fund - Direct Plan - Growth has delivered a CAGR of 7.56% — +0.12 pp ahead of the Low Duration Fund category average of 7.44%. The fund ranks #4 of 22 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Savings Fund - Direct Plan - Growth has delivered a CAGR of 6.69% — +0.02 pp ahead of the Low Duration Fund category average of 6.67%. The fund ranks #8 of 19 in its category — the second (Q2) quartile.

₹1 lakh invested in ICICI Prudential Savings Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹199,949 today — a multiplier of 2.00×, based on the 10-year CAGR of 7.17%. The category average over the same window would have grown ₹1 lakh to ₹193,962.

A ₹10,000 monthly SIP in ICICI Prudential Savings Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹721,136 today. That's an XIRR (money-weighted annualised return) of 7.29%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Savings Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,722,166 (multiplier 1.44×). XIRR: 7.02%. 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 - Growth ranks #8 out of 19 funds in the Low Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.67%; this fund delivered 6.69%.

The worst peak-to-trough decline ICICI Prudential Savings Fund - Direct Plan - Growth has experienced over the last 5-year window is 0.61% — its NAV fell from a high on 02 May 2022 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 - Growth averaged 7.42% (best 8.92%, worst 6.41%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.01 — weak risk-adjusted performance.

In calendar year 2025, ICICI Prudential Savings Fund - Direct Plan - Growth returned 7.79% — beating the Low Duration Fund category average of 7.72% by 0.06 pp. It ranked #8 of 21 in its category that year.

ICICI Prudential Savings Fund - Direct Plan - Growth 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 - Growth 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: 6.69%.

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 - Growth

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

More from ICICI Prudential