Sharpe ratio
0.88Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.45%1Y Absolute Return
-0.27%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| ICICI Prudential Regular Savings Fund - Direct Plan - GrowthFund 5Y annualised return | ₹8,96,479 | ₹7,32,612 | ₹1,63,867 | +8.31% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.10
₹1 Lakh since launch₹1.10 Lakh
Fund age13.9 yrs
Fund information
Scheme code120616
ISININF109K01S39
BenchmarkNIFTY 50 Hybrid Composite Debt 15:85 Conservative
CategoryHybrid Scheme - Conservative Hybrid Fund
Expense ratio1.03%
Exit loadExit load for units in excess of 30% of the investment,1% will be charged for redemption within 1 year
Minimum SIP₹100 SIP
Return comparison
13th / 104 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +32.14% | — | — |
| 3M | +1.77% | — | — |
| 6M | +6.53% | — | — |
| 1Y | +3.45% | — | -0.90% |
| 3Y | +9.12% | — | +3.51% |
| 5Y | +8.31% | — | +2.85% |
| 10Y | +9.50% | — | — |
| Since Launch | +10.21% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.29Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
3.77%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
1.15How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt86.86%
Cash13.14%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 143 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 4.166% |
| ADANI ENTERPRISES LIMITED 8.70 NCD 24MR28 FVRS1LAC | Materials | Non Convertible Debenture | 2.9968% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 24C 7.83 BD 30DC26 FVRS1LAC | Financial | Bonds/NCDs | 2.9945% |
| Others IRS | Unspecified | Interest Rate Swap | 2.9871% |
| MANAPPURAM FINANCE LIMITED 8 NCD 15DC27 FVRS1LAC | Financial | Non Convertible Debenture | 2.9688% |
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 2.2728% |
| GODREJ PROPERTIES LIMITED SR 1 8.40 NCD 25JN28 FVRS1LAC | Real Estate | Debenture | 2.2589% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23I 7.62 LOA 31JN28 FVRS1LAC | Financial | Debenture | 2.2534% |
| Yes Bank Ltd Bonds 8.00 30/09/2026 | Financial | Bonds | 1.9393% |
| Repo | Unspecified | Repo | 1.8961% |
Fund management
SH
Sharmila D'Silva
Since 2022 · She joined ICICI Prudential AMC Limited in September 2016.
Ms. D'Silva is CA and BAF
RO
Roshan Chutkey
Since 2022 · He is associated with ICICI Prudential AMC from February 2015 and has 12 years of overall experience in the industry.
Roshan Chutkey did his engineering from IIT Madras, MBA from IIM Lucknow and has a Masters in Finance degree from London Business School.
AK
Akhil Kakkar
Since 2024 · Prior to Joining ICICI Prudential Mutual Fund he has worked with Kotak Mahindra Bank in Debt Capital Markets, SBI Capital Markets in Project Advisory & Structured Finance and Goldman Sachs Services Pvt Ltd as Analyst Developer.
Mr. Kakkar is B.Tech (IIT Roorkee) and PGDM (Finance)
MA
Manish Banthia
Since 2013 · He is associated with ICICI Prudential Asset Management Company since Oct 2005, ICICI Prudential AMC - Fixed Income Investments - Aug 2007 to Oct 2009, ICICI Prudential AMC - New Product Development - Oct 2005 to Jul 2007, Aditya Birla Nuvo Ltd. - From May 2005 to Oct 2005, Aditya Birla Management Corporation Ltd. - From May 2004 to May 2005.
Mr. Banthia is B.Com, CA and MBA
Compare similar funds
No comparable category funds are available yet.
Summary
A high-risk hybrid scheme - conservative hybrid fund. Ahead of its category average over 3Y by 5.6 points.
Strengths
- Ahead of its category average over 3Y by 5.6 points.
- Recovered from its worst fall in 3 months.
- Well spread out — top 10 holdings are only 3% of the portfolio.
- Same fund manager for 13+ years — the strategy has not chopped and changed.
- Ranks 13 of 104 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 2–3+ years horizon to ride out its high risk level.
Risk drivers
- None