Should I invest in ICICI Prudential Target Returns Fund Retail Dividend?

We don't give personal investment advice. ICICI Prudential Target Returns Fund Retail Dividend is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 19.9%. 5-year CAGR: 5.87%.

ICICI Prudential

ICICI Prudential Target Returns Fund Retail Dividend

Latest NAV

₹26.0900

As of

3 Jun 2026

4,187 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	+0.34%	+0.33%	+0.01	1 / 2	Q2
1W	-2.13%	-2.13%	+0.00	1 / 2	Q2
2W	-0.61%	-0.62%	+0.02	1 / 2	Q2
1M	-2.38%	-2.40%	+0.01	1 / 2	Q2
3M	-4.06%	-4.07%	+0.01	1 / 2	Q2
6M	-8.55%	-8.55%	+0.00	1 / 2	Q2
YTD	-9.46%	-9.47%	+0.00	1 / 2	Q2
1Y	-9.05%	-5.03%	-4.03	2 / 2	Q4
2Y	-2.57%	+1.67%	-4.24	2 / 2	Q4
3Y	+7.99%	+12.87%	-4.88	2 / 2	Q4
4Y	+7.34%	+12.36%	-5.02	2 / 2	Q4
5Y	+5.87%	+10.78%	-4.90	2 / 2	Q4
7Y	+6.13%	+11.23%	-5.11	2 / 2	Q4
10Y	+4.18%	+9.44%	-5.26	2 / 2	Q4
Inception	+5.75%	+9.69%	-3.94	2 / 2	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	-9.46%	-9.47%	+0.00	1 / 2
2025	+5.80%	+10.50%	-4.70	2 / 2
2024	+16.50%	+21.47%	-4.98	2 / 2
2023	+16.29%	+21.93%	-5.64	2 / 2
2022	-3.95%	+1.03%	-4.98	2 / 2
2021	+23.93%	+29.43%	-5.50	2 / 2
2020	+15.74%	+20.00%	-4.26	2 / 2
2019	-12.04%	-5.99%	-6.05	2 / 2
2018	-12.70%	-7.61%	-5.08	2 / 2
2017	+8.08%	+15.51%	-7.42	2 / 2
2016	+1.60%	+5.75%	-4.15	2 / 2

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

+7.01%

195 windows

min -36.7% · max 69.6%

59% positive

3-Year rolling

+5.36%

171 windows

min -16.9% · max 18.7%

74% positive

5-Year rolling

+4.94%

147 windows

min -11.3% · max 17.6%

85% positive

7-Year rolling

+3.58%

122 windows

min -3.5% · max 9.2%

90% 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

15.29%

3-year · annualised

Sharpe ratio

0.16

vs risk-free 6.5%

Sortino ratio

0.23

Downside-only deviation

Max drawdown

-19.93%

Aug 2024 → Mar 2026

% positive months

58.3%

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 Focused Fund

Scheme	Fund house	NAV	As of
HDFC Core and Satellite Fund - DIVIDEND	HDFC	₹22.2840	3 Jun 2026
Nippon India Focused Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹131.4877	3 Jun 2026
SBI FOCUSED FUND - DIRECT PLAN -GROWTH	SBI	₹430.6856	2 Jun 2026
ICICI Prudential Focused Equity Fund - Direct Plan - Growth	ICICI Prudential	₹102.5000	3 Jun 2026
Invesco India Focused Fund - Direct Plan - Growth	Invesco	₹28.4200	3 Jun 2026
Bandhan Focused Fund - Direct Plan - Growth	Bandhan	₹101.5750	3 Jun 2026
quant Focused Fund - Growth Option-Direct Plan	Quant	₹100.2827	3 Jun 2026
Aditya Birla Sun Life Focused Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹158.3303	3 Jun 2026
Motilal Oswal Focused Fund - Direct Plan Growth Option	Motilal Oswal	₹54.9491	3 Jun 2026
Franklin India Focused Equity Fund - Direct - Growth	Franklin India	₹110.9849	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹26.0900
2 Jun 2026	₹26.2200
1 Jun 2026	₹26.1300
29 May 2026	₹26.4200
27 May 2026	₹26.8400
26 May 2026	₹26.7900
25 May 2026	₹26.8500
22 May 2026	₹26.5500
21 May 2026	₹26.4600
20 May 2026	₹26.4400

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 Target Returns Fund Retail Dividend is ₹26.0900. It's a Focused Fund from ICICI Prudential, run as a Retail plan Growth option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Target Returns Fund Retail Dividend has NAV history starting from 03 Jun 2009, a track record of about 17 years. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

ICICI Prudential Target Returns Fund Retail Dividend is managed by ICICI Prudential. It's classified by AMFI under the 'Focused Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Target Returns Fund Retail Dividend has delivered a absolute return of -9.05% — -4.03 pp behind the Focused Fund category average of -5.03%. The fund ranks #2 of 2 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ICICI Prudential Target Returns Fund Retail Dividend has delivered a CAGR of 7.99% — -4.88 pp behind the Focused Fund category average of 12.87%. The fund ranks #2 of 2 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Target Returns Fund Retail Dividend has delivered a CAGR of 5.87% — -4.9 pp behind the Focused Fund category average of 10.78%. The fund ranks #2 of 2 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Target Returns Fund Retail Dividend exactly 10 years ago would be worth approximately ₹150,604 today — a multiplier of 1.51×, based on the 10-year CAGR of 4.18%. The category average over the same window would have grown ₹1 lakh to ₹246,403.

A ₹10,000 monthly SIP in ICICI Prudential Target Returns Fund Retail Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹677,869 today. That's an XIRR (money-weighted annualised return) of 4.82%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Target Returns Fund Retail Dividend = ₹1,200,000 invested. It would currently be worth ₹1,652,311 (multiplier 1.38×). XIRR: 6.23%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Target Returns Fund Retail Dividend ranks #2 out of 2 funds in the Focused Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.78%; this fund delivered 5.87%.

The worst peak-to-trough decline ICICI Prudential Target Returns Fund Retail Dividend has experienced over the last 5-year window is 19.93% — its NAV fell from a high on 01 Aug 2024 to a low on 30 Mar 2026. 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 Target Returns Fund Retail Dividend averaged 4.94% (best 17.62%, worst -11.30%). 85% of rolling windows ended positive. The 5-year Sharpe ratio is 0.04 — weak risk-adjusted performance.

In calendar year 2025, ICICI Prudential Target Returns Fund Retail Dividend returned 5.80% — lagging the Focused Fund category average of 10.50% by 4.70 pp. It ranked #2 of 2 in its category that year.

ICICI Prudential Target Returns Fund Retail Dividend is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. ICICI Prudential Target Returns Fund Retail Dividend is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 19.9%. 5-year CAGR: 5.87%.

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