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

We don't give personal investment advice. ICICI Prudential Savings Fund - Direct Plan - Quarterly 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: 2.0%. 5-year CAGR: 0.78%.

ICICI Prudential

ICICI Prudential Savings Fund - Direct Plan - Quarterly IDCW

Latest NAV

₹110.4790

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	38 / 87	Q2
1W	+0.22%	-4.24%	+4.46	20 / 91	Q1
2W	+0.18%	-2.10%	+2.29	29 / 89	Q2
1M	+0.18%	-2.19%	+2.37	34 / 87	Q2
3M	-0.24%	-2.06%	+1.82	80 / 87	Q4
6M	-0.55%	-1.60%	+1.05	79 / 86	Q4
YTD	+0.68%	-1.70%	+2.38	31 / 86	Q2
1Y	+0.04%	-0.19%	+0.22	47 / 86	Q3
2Y	+0.64%	+2.47%	-1.83	31 / 81	Q2
3Y	+0.58%	+2.22%	-1.64	27 / 76	Q2
4Y	+1.12%	+2.25%	-1.14	25 / 73	Q2
5Y	+0.78%	+2.13%	-1.34	25 / 69	Q2
7Y	+0.59%	+2.14%	-1.55	34 / 69	Q2
10Y	+0.58%	+1.65%	-1.07	22 / 57	Q2
Inception	+0.57%	+1.88%	-1.31	46 / 86	Q3

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	+0.68%	+0.49%	+0.19	26 / 75
2025	+1.50%	+2.26%	-0.76	24 / 73
2024	+0.50%	+2.19%	-1.69	28 / 76
2023	+0.66%	-0.53%	+1.20	24 / 78
2022	+1.30%	+1.51%	-0.21	26 / 73
2021	+0.32%	+1.54%	-1.21	25 / 69
2020	+0.39%	+3.37%	-2.98	40 / 69
2019	+0.38%	-1.02%	+1.40	19 / 69
2018	+0.53%	+1.75%	-1.21	24 / 65
2017	+0.34%	+2.28%	-1.93	19 / 62
2016	+0.49%	+2.32%	-1.83	27 / 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

+0.62%

134 windows

min -1.6% · max 3.3%

89% positive

3-Year rolling

+0.59%

110 windows

min -0.4% · max 1.6%

96% positive

5-Year rolling

+0.55%

86 windows

min 0.0% · max 1.0%

100% positive

7-Year rolling

+0.56%

61 windows

min 0.1% · max 0.8%

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

2.69%

3-year · annualised

Sharpe ratio

-2.18

vs risk-free 6.5%

Sortino ratio

-2.81

Downside-only deviation

Max drawdown

-1.96%

Jun 2023 → Jun 2023

% positive months

66.7%

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	₹110.4790
2 Jun 2026	₹110.4683
1 Jun 2026	₹110.4343
29 May 2026	₹110.3449
27 May 2026	₹110.2499
26 May 2026	₹110.2220
25 May 2026	₹110.2331
22 May 2026	₹110.1515
21 May 2026	₹110.1357
20 May 2026	₹110.2279

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 - Quarterly IDCW is ₹110.4790. 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 - Quarterly IDCW 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 - Quarterly 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 - Quarterly IDCW has delivered a absolute return of 0.04% — +0.22 pp ahead of the Low Duration Fund category average of -0.19%. The fund ranks #47 of 86 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ICICI Prudential Savings Fund - Direct Plan - Quarterly IDCW has delivered a CAGR of 0.58% — -1.64 pp behind the Low Duration Fund category average of 2.22%. The fund ranks #27 of 76 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ICICI Prudential Savings Fund - Direct Plan - Quarterly IDCW has delivered a CAGR of 0.78% — -1.34 pp behind the Low Duration Fund category average of 2.13%. The fund ranks #25 of 69 in its category — the second (Q2) quartile.

₹1 lakh invested in ICICI Prudential Savings Fund - Direct Plan - Quarterly IDCW exactly 10 years ago would be worth approximately ₹105,910 today — a multiplier of 1.06×, based on the 10-year CAGR of 0.58%. 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 - Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹614,116 today. That's an XIRR (money-weighted annualised return) of 0.92%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Savings Fund - Direct Plan - Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,246,953 (multiplier 1.04×). XIRR: 0.76%. 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 - Quarterly IDCW ranks #25 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 0.78%.

The worst peak-to-trough decline ICICI Prudential Savings Fund - Direct Plan - Quarterly IDCW has experienced over the last 5-year window is 1.96% — its NAV fell from a high on 22 Jun 2023 to a low on 23 Jun 2023. 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 - Quarterly IDCW averaged 0.55% (best 1.00%, worst 0.03%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -2.30 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Savings Fund - Direct Plan - Quarterly IDCW returned 1.50% — lagging the Low Duration Fund category average of 2.26% by 0.76 pp. It ranked #24 of 73 in its category that year.

ICICI Prudential Savings Fund - Direct Plan - Quarterly 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 - Quarterly 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: 2.0%. 5-year CAGR: 0.78%.

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