ICICI Prudential Regular Savings Fund

Q: What are the returns of this mutual fund scheme?

The ICICI Prudential Regular Savings Fund is a 21 yrs 11 m old fund and has delivered average annual returns of 9.85% since inception. ICICI Prudential Regular Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.25% 10.05% 8.75% 9.65% 9.85%

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹77.405-0.23% 1 day change	9.85% p.a.	App exclusive #NA View Ranked Funds	₹3,359 Cr

Historical NAV & returns

NAV: ₹77.405 as on Feb 02, 2026

This fund Category average

ICICI Prudential Regular Savings Fund overview

AUM (Fund size)	₹3,359 Cr
Exit load	1.0% Exit load for units in excess of 30% of the investment,1% will be charged for redemption within 1 year!
Lock-in Period	Nil
Age	21 yrs 11 m since Feb 16, 2004
Benchmark	NIFTY 50 Hybrid Composite Debt 15:85 Conservative
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.72% as on Feb 02, 2026
Plan type	Regular
Risk	High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

ICICI Prudential Regular Savings Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Feb 03, 2026

Period	This fund	Category average
1 Month	-0.85%	-0.96%
3 Months	-0.16%	-0.44%
6 Months	1.94%	0.8%
1 Year	7.25%	6.29%
2 Years	8.68%	7.64%
3 Years	10.05%	8.86%
4 Years	8.56%	7.44%
5 Years	8.75%	7.5%
7 Years	9.37%	8.09%
10 Years	9.65%	7.93%

Asset allocationas on Dec 31, 2025

Large Cap 13.7%

Mid Cap 2.52%

Small Cap 6.51%

Other Cap 0%

Top holdings

ICICI Bank Ltd.1.49%

SBI Life Insurance Company Ltd.1.06%

Bharti Airtel Ltd.1.05%

HDFC Bank Ltd.1.0%

Top sectors

Financial 4.2%

Energy 3.19%

Insurance 2.67%

Technology 2.17%

AA 19.13130817%

SOV 14.50704021%

AAA 14.48990242%

A1+ 7.34259602%

Top Debt Holdings

GOI 9.77%

HDFC Bank Ltd. 3.69%

Eris Lifesciences Ltd. 3.01%

Manappuram Finance Ltd. 2.97%

Allocation by Instruments

Non Convertible Debenture 24.61333375%

Debenture 16.610559280000004%

GOI Securities 9.776101579999999%

Certificate of Deposit 7.34259602%

Other Holdings

Others 1.67%

Mindspace Business Parks REIT 1.01%

Embassy Office Parks REIT 0.38%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
ICICI Prudential Regular Savings Fund	-0.85%	1.94%	7.25%	10.05%	8.75%	9.65%
SBI Conservative Hybrid Fund	-1.28%	1.03%	6.26%	9.47%	9.06%	8.96%
HDFC Hybrid Debt Fund	-0.98%	0.66%	5.07%	9.44%	9.23%	9.25%
Nippon India Conservative Hybrid Fund	-0.32%	3.51%	9.0%	9.04%	8.28%	6.02%
DSP Regular Savings Fund	-0.83%	1.27%	6.75%	9.67%	8.01%	7.45%

Fund name	Std. deviation	Beta	Sharpe	Sortino
ICICI Prudential Regular Savings Fund	2.91	0.74	1.23	1.87
SBI Conservative Hybrid Fund	3.46	0.85	0.92	1.47
HDFC Hybrid Debt Fund	3.88	0.97	0.82	1.41
Nippon India Conservative Hybrid Fund	1.89	0.45	1.4	2.36
DSP Regular Savings Fund	3.22	0.81	1.04	1.97

Fund name	ETM Rank	AUM	Fund age	Expense ratio
ICICI Prudential Regular Savings Fund	N.A.	3,359 Cr	21 yrs 11 m	1.72%
SBI Conservative Hybrid Fund	N.A.	9,851 Cr	24 yrs 11 m	1.54%
HDFC Hybrid Debt Fund	N.A.	3,354 Cr	22 yrs 2 m	1.76%
Nippon India Conservative Hybrid Fund	N.A.	933 Cr	22 yrs 1 m	1.87%
DSP Regular Savings Fund	N.A.	184 Cr	21 yrs 9 m	1.21%

View all Conservative Hybrid funds

Key risk & return ratios Compared to other funds in the category

Alpha	1.26 vs. 2.77 Underperformed at beating benchmark
Sharpe	1.23 vs. 2.91 Poor risk-adjusted returns
Beta	0.74 vs. 1.05 Less sensitive to market ups & downs
Standard deviation	2.91 vs. 3.47 More stable returns

Compare ICICI Prudential Regular Savings Fund in detail with

About this fund

About ICICI Prudential Regular Savings Fund

ICICI Prudential Regular Savings Fund is a Conservative Hybrid mutual fund scheme from Icici Prudential Mutual Fund. This fund has been in existence for 21 yrs 11 m, having been launched on 16/02/2004. ICICI Prudential Regular Savings Fund has ₹3,359 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of ICICI Prudential Regular Savings Fund as of 02/02/2026 is ₹77.41. The fund has an expense ratio of 1.72%, which is higher than what most other Conservative Hybrid funds charge. Currently, the fund has a 22.72% allocation to equity and 68.72% to Debt.

ICICI Prudential Regular Savings Fund returns of last 1-year are 7.30%. Since launch, it has delivered 9.81% average annual returns. The fund has doubled the money invested in it every 9 yrs.
ICICI Prudential Regular Savings Fund scheme's ability to deliver returns consistently is higher than most funds of its category. Its ability to control losses in a falling market is above average.
The fund's equity portion is primarily invested in Financial, Energy, Insurance, Technology, Healthcare sectors. It has taken less exposure in Financial, Energy sectors compared to other funds in the category.
The debt portion of the fund has low credit quality indicating the quality of borrowers it has lent it to is not too great.
The fund's top 5 holdings are in GOI, Eris Lifesciences Ltd., Manappuram Finance Ltd., Adani Enterprises Ltd., Vedanta Ltd..

...

Fund AUM	3,359 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Roshan Chutkey

Roshan Chutkey did his engineering from IIT Madras, MBA from IIM Lucknow and has a Masters in Finance degree from London Business School. He is associated with ICICI Prudential AMC from February 2015 and has 12 years of overall experience in the industry.

Akhil Kakkar

Mr. Kakkar is B.Tech (IIT Roorkee) and PGDM (Finance) 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.

Manish Banthia

Mr. Banthia is B.Com, CA and MBA 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.

Investment objective

The scheme seeks to generate long-term capital appreciation by investments in money market and debt instruments.

ICICI Prudential Mutual Fund details

No. of schemes	104 view all schemes
Total AUM	11,30,333 Cr as on Dec 31, 2025
Address	One BKC , A Wing , 13th Floor, Bandra Kurla Complex, Mumbai, 400051

More funds from ICICI Prudential Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
ICICI Prudential Multi Asset Fund	N.A.	78,179 Cr	13.88%	20.12%
ICICI Prudential Equity & Debt Fund	N.A.	49,641 Cr	10.8%	19.47%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	N.A.	1,082 Cr	13.0%	15.76%
ICICI Prudential Dynamic Asset Allocation Active FoF	N.A.	29,170 Cr	8.8%	12.16%
ICICI Prudential Balanced Advantage Fund	N.A.	70,535 Cr	10.16%	11.69%
ICICI Prudential Passive Multi-Asset FoF	N.A.	1,416 Cr	17.9%	N.A.

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of ICICI Prudential Regular Savings Fund?

The current Net Asset Value (NAV) of the ICICI Prudential Regular Savings Fund plan is approximately ₹77.405 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The ICICI Prudential Regular Savings Fund is a 21 yrs 11 m old fund and has delivered average annual returns of 9.85% since inception.

ICICI Prudential Regular Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.25%	10.05%	8.75%	9.65%	9.85%

How much does this mutual fund charge as expense ratio?

The ICICI Prudential Regular Savings Fund has an expense ratio of 1.72%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The ICICI Prudential Regular Savings Fund currently has assets under management (AUM) or fund size valued at approximately 3,359 Cr as on Dec 31, 2025.

What are the top stock holdings of ICICI Prudential Regular Savings Fund?

The ICICI Prudential Regular Savings Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
ICICI Bank Ltd.	1.49%
SBI Life Insurance Company Ltd.	1.06%
Bharti Airtel Ltd.	1.05%
HDFC Bank Ltd.	1.0%
NTPC Ltd.	1.0%
Infosys Ltd.	0.97%
Axis Bank Ltd.	0.95%
HDFC Life Insurance Co Ltd.	0.92%
Reliance Industries Ltd.	0.89%
Hindustan Unilever Ltd.	0.84%

What are the top sectors ICICI Prudential Regular Savings Fund has invested in?

The ICICI Prudential Regular Savings Fund's equity portion is primarily invested in the following sectors -

Sector	Percentage of Portfolio
Financial	4.2%
Energy	3.19%
Insurance	2.67%
Technology	2.17%
Healthcare	1.96%
Automobile	1.77%
Services	1.6300000000000001%
Consumer Staples	1.6099999999999999%
Communication	1.05%
Chemicals	0.6200000000000001%

To whom does ICICI Prudential Regular Savings Fund lend to?

The top 3 debt holdings of ICICI Prudential Regular Savings Fund are as follows

Holding Name	Percentage of Portfolio
GOI	9.77%
HDFC Bank Ltd.	3.69%
Eris Lifesciences Ltd.	3.01%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The ICICI Prudential Regular Savings Fund's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AA	19.13130817%
SOV	14.50704021%
AAA	14.48990242%

What is risk level of ICICI Prudential Regular Savings Fund?

This is a Conservative Hybrid fund comes with High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in ICICI Prudential Regular Savings Fund?

Redeeming your investments in the ICICI Prudential Regular Savings Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Conservative Hybrid

#NA

Return Consistency: This fund is one of the best in generating consistent return in it's category.
Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Return Outperformance: This fund has generated highest return amongst Conservative Hybrid funds in the last 10 Years.
Chance: This fund has generated a 9.07% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load for units in excess of 30% of the investment,1% will be charged for redemption within 1 year