ICICI Prudential Savings Fund
ICICI Prudential Mutual Fund · Best Low Duration Mutual Funds
This is the Regular plan of ICICI Prudential Savings Fund — bought through a distributor, whose commission is paid out of its expense ratio. Income is distributed daily, which is why this NAV sits below the growth plan of the same fund.
This is the IDCW (dividend) option — it pays its earnings out as dividends rather than reinvesting them, so every payout steps the NAV down and the return figures below leave those payouts out. Your actual return was higher by whatever was distributed. That’s expected for a payout plan, not missing data.
View the Growth plan for compounded returns (+7.39% 3Y CAGR)NAV history
Scorecard
★★★☆☆3/5 vs 90 of 91 Low Duration Fund peers- Performance 60%
- Risk 15%
- Cost 10%
- Downside 15%
How this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Low Duration Fund (same plan and option). 90 of the 91 Low Duration Funds in this cohort carry the full record the stars need, so they are the ones ranked against.
3Y CAGR -0.02% · ranks 59 of 91 Low Duration Funds
Volatility 0.2% vs 1.4% category avg
1.7% expense vs 0.8% category avg
14% of rolling 3Y windows were positive
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
- Less volatile than its Low Duration Fund peers (0.2% vs 1.4%)
Concerns
- Trails the Low Duration Fund average on 3M/6M/1Y — 1Y by 1.60pp
- 3-year return (-0.02%) trails the Low Duration Fund average (+2.12%)
- 5-year return (-0.01%) trails the Low Duration Fund average (+2.05%)
- High expense ratio (1.72%) vs the Low Duration Fund average of 0.80%
- Positive in only 14% of rolling 3-year windows
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk
Risk (trailing 3Y)
DefinitionsBenchmark ratios
Not shown for Low Duration Fund — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.
Fund vs category average (Low Duration Fund)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | -0.05% | +0.10% | -0.15% |
| 3M abs | +0.08% | +0.61% | -0.53% |
| 6M abs | -0.05% | +0.62% | -0.67% |
| 1Y CAGR | -0.05% | +1.55% | -1.60% |
| 3Y CAGR | -0.02% | +2.12% | -2.14% |
| 5Y CAGR | -0.01% | +2.05% | -2.06% |
Category average across peers in Low Duration Fund (up to 91 funds with data), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Category rank
Vs 91 peers in Low Duration Fund
Rolling returns
Return for every possible 1Y holding period, not just today’s
233 overlapping 1Y windows, sampled monthly across the fund’s history.
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
60 monthly installments of ₹10,000 into ICICI Prudential Savings Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | |
|---|---|---|
| 2026part | -0.05% | |
| 2025 | 0.00% | |
| 2024 | 0.00% | |
| 2023 | 0.00% | |
| 2022 | +0.12% | |
| 2021 | -0.12% | |
| 2020 | 0.00% | |
| 2019 | 0.00% | |
| 2018 | 0.00% | |
| 2017 | +0.05% |
January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.
Taxation
Taxed as debtThis is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.
Your income-tax slab — no LTCG or indexation benefit
Pick your slab to see the rate that applies to you.
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
Fund size over time
Quarterly average AUM · AMFIDown +12% from its peak of ₹33,385Cr in January - March 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.
ICICI Prudential in the news
Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.
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Dealroom · 3d ago
Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
About Debt funds
Debt funds lend money to governments and companies and earn interest. They're generally steadier than equity funds; their risk comes from interest-rate moves and, for some, the creditworthiness of borrowers.
Frequently asked questions
What is the NAV of ICICI Prudential Savings Fund?
As of 20 Aug 2026, the NAV of ICICI Prudential Savings Fund is ₹105.68 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has ICICI Prudential Savings Fund delivered?
ICICI Prudential Savings Fund has returned -0.05% over 1 year, -0.02% per year over 3 years, -0.01% per year over 5 years and +0.07% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
What is the expense ratio of ICICI Prudential Savings Fund?
ICICI Prudential Savings Fund charges an expense ratio of 1.72% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.
What are the top holdings of ICICI Prudential Savings Fund?
Its largest holdings are GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 (4.5%), GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 (4.1%), Others IRS (3.7%), ADANI ENTERPRISES LIMITED 8.70 NCD 24MR28 FVRS1LAC (3.0%) and MANAPPURAM FINANCE LIMITED 8 NCD 15DC27 FVRS1LAC (3.0%). Holdings are disclosed monthly and change over time.
How risky is ICICI Prudential Savings Fund?
It is rated low to moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.2% and its worst peak-to-trough fall in our sample was -2.0%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
What is the benchmark of ICICI Prudential Savings Fund?
ICICI Prudential Savings Fund is benchmarked against the NIFTY 50 Hybrid Composite Debt 15:85 Conservative Index. Its alpha and beta on this page are measured against that index.
Who manages ICICI Prudential Savings Fund?
ICICI Prudential Savings Fund is managed by Darshil Dedhia, Manish Banthia, Akhil Kakkar and Roshan Chutkey at ICICI Prudential.
How is ICICI Prudential Savings Fund taxed?
ICICI Prudential Savings Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.