Should I invest in ICICI Prudential Tax Plan?

We don't give personal investment advice. ICICI Prudential Tax Plan-Growth Option 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: 17.8%. 5-year CAGR: 11.47%.

ICICI Prudential

ICICI Prudential Tax Plan-Growth Option

Latest NAV

₹887.6900

As of

3 Jun 2026

4,964 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%	-2.11%	+2.06	64 / 90	Q3
1W	-2.05%	-4.12%	+2.07	72 / 87	Q4
2W	-0.63%	-3.75%	+3.12	56 / 87	Q3
1M	-2.89%	-5.60%	+2.71	68 / 87	Q4
3M	-3.79%	-5.40%	+1.60	60 / 87	Q3
6M	-8.26%	-3.98%	-4.28	68 / 89	Q4
YTD	-7.90%	-5.20%	-2.70	62 / 89	Q3
1Y	-2.82%	+1.41%	-4.23	46 / 87	Q3
2Y	+3.91%	-0.15%	+4.06	21 / 86	Q1
3Y	+12.38%	+6.12%	+6.26	36 / 81	Q2
4Y	+12.34%	+7.91%	+4.44	38 / 78	Q2
5Y	+11.47%	+6.94%	+4.52	37 / 77	Q2
7Y	+12.49%	+8.75%	+3.73	23 / 75	Q2
10Y	+12.68%	+8.10%	+4.58	17 / 69	Q1
Inception	+11.97%	+5.86%	+6.11	21 / 91	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	-7.90%	-7.12%	-0.78	27 / 47
2025	+9.09%	+1.54%	+7.55	3 / 47
2024	+16.45%	+18.17%	-1.72	28 / 47
2023	+22.77%	+23.46%	-0.69	32 / 49
2022	+2.32%	+0.75%	+1.57	20 / 52
2021	+33.34%	+28.91%	+4.43	15 / 54
2020	+13.40%	+11.40%	+1.99	29 / 56
2019	+8.40%	+2.03%	+6.37	17 / 59
2018	+0.97%	-9.68%	+10.65	5 / 61
2017	+25.27%	+29.95%	-4.68	45 / 65
2016	+3.55%	-0.31%	+3.86	19 / 70

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

+16.44%

234 windows

min -56.7% · max 132.9%

80% positive

3-Year rolling

+14.39%

210 windows

min -13.3% · max 37.6%

98% positive

5-Year rolling

+14.29%

185 windows

min -0.8% · max 29.9%

99% positive

7-Year rolling

+14.06%

161 windows

min 6.2% · max 27.2%

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

12.48%

3-year · annualised

Sharpe ratio

0.48

vs risk-free 6.5%

Sortino ratio

0.76

Downside-only deviation

Max drawdown

-17.84%

Sep 2024 → Mar 2025

% positive months

72.2%

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 ELSS

Scheme	Fund house	NAV	As of
HDFC TaxSaver-Dividend Plan	HDFC	₹63.5390	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.9775	3 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹85.4857	3 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.4000	3 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹121.5100	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.6508	3 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.8774	3 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.1340	3 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.5000	3 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.1600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹887.6900
2 Jun 2026	₹888.4500
1 Jun 2026	₹888.9000
29 May 2026	₹895.7500
27 May 2026	₹906.6000
26 May 2026	₹907.0100
25 May 2026	₹909.1200
22 May 2026	₹898.4900
21 May 2026	₹895.7800
20 May 2026	₹894.6600

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 Tax Plan-Growth Option is ₹887.6900. It's a ELSS from ICICI Prudential, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Tax Plan-Growth Option has NAV history starting from 02 Apr 2006, a track record of about 20 years 2 months. 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 Tax Plan-Growth Option is managed by ICICI Prudential. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Tax Plan-Growth Option has delivered a absolute return of -2.82% — -4.23 pp behind the ELSS category average of 1.41%. The fund ranks #46 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ICICI Prudential Tax Plan-Growth Option has delivered a CAGR of 12.38% — +6.26 pp ahead of the ELSS category average of 6.12%. The fund ranks #36 of 81 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ICICI Prudential Tax Plan-Growth Option has delivered a CAGR of 11.47% — +4.52 pp ahead of the ELSS category average of 6.94%. The fund ranks #37 of 77 in its category — the second (Q2) quartile.

₹1 lakh invested in ICICI Prudential Tax Plan-Growth Option exactly 10 years ago would be worth approximately ₹330,021 today — a multiplier of 3.30×, based on the 10-year CAGR of 12.68%. The category average over the same window would have grown ₹1 lakh to ₹217,976.

A ₹10,000 monthly SIP in ICICI Prudential Tax Plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹752,001 today. That's an XIRR (money-weighted annualised return) of 8.96%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Tax Plan-Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,281,342 (multiplier 1.90×). XIRR: 12.33%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Tax Plan-Growth Option ranks #37 out of 77 funds in the ELSS category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.94%; this fund delivered 11.47%.

The worst peak-to-trough decline ICICI Prudential Tax Plan-Growth Option has experienced over the last 5-year window is 17.84% — its NAV fell from a high on 26 Sep 2024 to a low on 04 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 Tax Plan-Growth Option averaged 14.29% (best 29.87%, worst -0.81%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.41 — weak risk-adjusted performance.

In calendar year 2025, ICICI Prudential Tax Plan-Growth Option returned 9.09% — beating the ELSS category average of 1.54% by 7.55 pp. It ranked #3 of 47 in its category that year.

ICICI Prudential Tax Plan-Growth Option 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 Tax Plan-Growth Option 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: 17.8%. 5-year CAGR: 11.47%.

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