Should I invest in ICICI Prudential Savings Fund?

We don't give personal investment advice. ICICI Prudential Savings Fund - Direct Plan - IDCW Others 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: 4.7%. 5-year CAGR: 4.67%.

ICICI Prudential

ICICI Prudential Savings Fund - Direct Plan - IDCW Others

Latest NAV

₹195.2981

As of

3 Jun 2026

2,890 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	+0.03%	+0.02%	+0.01	36 / 87	Q2
1W	+0.22%	-4.24%	+4.46	19 / 91	Q1
2W	+0.18%	-2.10%	+2.29	28 / 89	Q2
1M	+0.18%	-2.19%	+2.37	35 / 87	Q2
3M	+1.08%	-2.06%	+3.14	23 / 87	Q2
6M	+2.43%	-1.60%	+4.03	13 / 86	Q1
YTD	+2.01%	-1.70%	+3.71	11 / 86	Q1
1Y	+5.94%	-0.19%	+6.13	8 / 86	Q1
2Y	+4.64%	+2.47%	+2.17	25 / 81	Q2
3Y	+5.73%	+2.22%	+3.51	21 / 76	Q2
4Y	+6.08%	+2.25%	+3.83	19 / 73	Q2
5Y	+4.67%	+2.13%	+2.54	21 / 69	Q2
7Y	+4.16%	+2.14%	+2.02	20 / 69	Q2
10Y	+5.30%	+1.65%	+3.65	7 / 57	Q1
Inception	+5.32%	+1.88%	+3.44	11 / 86	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	+2.01%	+0.49%	+1.53	9 / 75
2025	+2.67%	+2.26%	+0.41	21 / 73
2024	+8.03%	+2.19%	+5.84	2 / 76
2023	+7.74%	-0.53%	+8.27	1 / 78
2022	+0.50%	+1.51%	-1.01	27 / 73
2021	-4.86%	+1.54%	-6.40	69 / 69
2020	+8.65%	+3.37%	+5.27	5 / 69
2019	+8.88%	-1.02%	+9.91	2 / 69
2018	+7.32%	+1.75%	+5.57	8 / 65
2017	+7.15%	+2.28%	+4.87	6 / 62
2016	+9.16%	+2.32%	+6.84	2 / 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

+5.72%

134 windows

min -4.9% · max 9.7%

85% positive

3-Year rolling

+5.48%

110 windows

min 1.0% · max 8.8%

100% positive

5-Year rolling

+5.13%

86 windows

min 2.7% · max 8.4%

100% positive

7-Year rolling

+5.11%

61 windows

min 4.2% · max 6.7%

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

2.54%

3-year · annualised

Sharpe ratio

-0.35

vs risk-free 6.5%

Sortino ratio

-0.40

Downside-only deviation

Max drawdown

-4.70%

Mar 2025 → Mar 2025

% 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
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 - Daily IDCW	ICICI Prudential	₹105.7358	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	₹195.2981
2 Jun 2026	₹195.2792
1 Jun 2026	₹195.2191
29 May 2026	₹195.0610
27 May 2026	₹194.8931
26 May 2026	₹194.8438
25 May 2026	₹194.8634
22 May 2026	₹194.7192
21 May 2026	₹194.6913
20 May 2026	₹194.8542

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 - IDCW Others is ₹195.2981. 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 - IDCW Others has NAV history starting from 12 Jun 2014, a track record of about 11 years 11 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 - IDCW Others 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 - IDCW Others has delivered a absolute return of 5.94% — +6.13 pp ahead of the Low Duration Fund category average of -0.19%. The fund ranks #8 of 86 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Savings Fund - Direct Plan - IDCW Others has delivered a CAGR of 5.73% — +3.51 pp ahead of the Low Duration Fund category average of 2.22%. The fund ranks #21 of 76 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ICICI Prudential Savings Fund - Direct Plan - IDCW Others has delivered a CAGR of 4.67% — +2.54 pp ahead of the Low Duration Fund category average of 2.13%. The fund ranks #21 of 69 in its category — the second (Q2) quartile.

₹1 lakh invested in ICICI Prudential Savings Fund - Direct Plan - IDCW Others exactly 10 years ago would be worth approximately ₹167,585 today — a multiplier of 1.68×, based on the 10-year CAGR of 5.30%. 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 - IDCW Others over the last 5 years — total invested ₹600,000 — would be worth ₹684,894 today. That's an XIRR (money-weighted annualised return) of 5.23%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Savings Fund - Direct Plan - IDCW Others = ₹1,200,000 invested. It would currently be worth ₹1,522,742 (multiplier 1.27×). XIRR: 4.66%. 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 - IDCW Others ranks #21 out of 69 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 2.13%; this fund delivered 4.67%.

The worst peak-to-trough decline ICICI Prudential Savings Fund - Direct Plan - IDCW Others has experienced over the last 5-year window is 4.70% — its NAV fell from a high on 25 Mar 2025 to a low on 26 Mar 2025. 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 - IDCW Others averaged 5.13% (best 8.39%, worst 2.72%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.70 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Savings Fund - Direct Plan - IDCW Others returned 2.67% — beating the Low Duration Fund category average of 2.26% by 0.41 pp. It ranked #21 of 73 in its category that year.

ICICI Prudential Savings Fund - Direct Plan - IDCW Others 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 - IDCW Others 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: 4.7%. 5-year CAGR: 4.67%.

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 - IDCW Others

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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