ICICI Prudential Dividend Yield Fund
Direct · GrowthAI Summary
The fund's SIP XIRR exceeds the category average across all listed periods, including 21.01% versus 16.1% over three years and 19.79% versus 17.1% over ten years. Against the NIFTY 50, it underperformed on a one-year CAGR basis with a negative alpha of 1.16%, but showed positive alpha over three, five, seven, ten, twelve, and fifteen years.
The reported maximum drawdown is -0.448205%, with a maximum drawdown duration of 789 days and recovery in 287 days, while the average drawdown is -0.06469%. The fund recorded five drawdown events greater than 10%, and its Calmar ratios range from 0.328 to 0.3898 across the listed periods.
The top ten holdings account for about 43.09% of NAV, led by HDFC Bank at 7.35%, ICICI Bank at 6.46%, and Sun Pharmaceutical Industries at 5.24%. The portfolio has 66 holdings, with Banks as the largest sector at 21.8% and the top five sectors together at 45.7%.
The fund ranks above the category average SIP XIRR in every listed horizon, suggesting consistent long-term outperformance relative to peers. Its positive alpha over most benchmark comparison periods also indicates value added beyond the NIFTY 50 over longer time frames.
This fund may suit investors seeking long-term equity exposure with a dividend-yield orientation and tolerance for equity market volatility. A multi-year horizon is appropriate given the longer drawdown duration and the fund's stronger relative performance over three years and beyond.
- SIP XIRR exceeds the category average in every listed period
- Positive alpha versus NIFTY 50 over three, five, seven, ten, twelve, and fifteen years
- Diversified portfolio of 66 holdings with no single holding above 7.35% of NAV
- One-year performance lagged the NIFTY 50 with a negative alpha of 1.16%
- Maximum drawdown duration of 789 days indicates recovery can take an extended period
Generated on 11-11-2026, 2:59 AM. Verify before investing.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.68 L | 17.6% | -60.0% | 100.2% |
| 3 Years | ₹36.00 L | ₹48.58 L | 18.2% | -28.4% | 41.3% |
| 5 Years | ₹60.00 L | ₹96.21 L | 17.9% | -12.9% | 37.6% |
| 7 Years | ₹84.00 L | ₹1.69 Cr | 20.3% | 9.9% | 28.8% |
| 10 Years | ₹1.20 Cr | ₹3.41 Cr | 19.8% | 15.8% | 22.8% |
| 12 Years | ₹1.44 Cr | ₹4.24 Cr | 16.7% | 15.3% | 17.6% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 17.6% | 14.3% | 9.8% | +3.3% |
| 3 Years | 18.2% | 11.0% | 16.1% | +7.2% |
| 5 Years | 17.9% | 10.4% | 17.5% | +7.5% |
| 7 Years | 20.3% | 10.6% | 17.1% | +9.8% |
| 10 Years | 19.8% | 11.4% | 17.1% | +8.3% |
| 12 Years | 16.7% | 11.3% | 15.8% | +5.4% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 17.3% | 12.0% | -37.6% | 98.5% | 0.45 | 1.28 | 76% | — | — |
| 3 Years | 17.5% | 17.6% | -11.1% | 42.8% | 0.99 | 3.09 | 91% | — | — |
| 5 Years | 16.5% | 14.4% | -2.6% | 38.2% | 1.12 | 7.87 | 99% | — | — |
| 10 Years | 16.8% | 17.0% | 14.2% | 19.7% | 10.00 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -0.69 | 0.89 | 87.5% | 87.8% | -1.8% | -2.1% |
| 3 Years | +6.57 | 0.91 | 95.0% | 86.5% | 15.2% | 8.9% |
| 5 Years | +8.92 | 0.86 | 92.0% | 80.9% | 15.7% | 6.8% |
| 7 Years | +9.91 | 0.79 | 87.3% | 76.8% | 20.1% | 11.2% |
| 10 Years | +5.29 | 0.78 | 85.2% | 78.8% | 15.7% | 11.5% |
| 12 Years | +5.01 | 0.80 | 86.3% | 79.9% | 14.0% | 9.6% |
| 15 Years | +4.38 | 0.81 | 87.1% | 80.0% | 12.6% | 8.6% |
| # | Stock | % of NAV |
|---|---|---|
| 1 | HDFC Bank Ltd. | 7.35% |
| 2 | ICICI Bank Ltd. | 6.46% |
| 3 | Sun Pharmaceutical Industries Ltd. | 5.24% |
| 4 | Axis Bank Ltd. | 4.32% |
| 5 | Reliance Industries Ltd. | 4.29% |
| 6 | NTPC Ltd. | 3.50% |
| 7 | Interglobe Aviation Ltd. | 3.19% |
| 8 | Maruti Suzuki India Ltd. | 3.05% |
| 9 | Larsen & Toubro Ltd. | 2.96% |
| 10 | Ultratech Cement Ltd. | 2.73% |