HealthyDirect · GrowthFit for a long SIP
ICICI Prudential Dynamic Term Fund
ICICI Prudential Mutual FundIncome/Debt Oriented Schemes - Dynamic Term Fund13.8 years
- NAV
- 42.0717
- 27 Oct 2026
- 1Y
- +3.3%
- Trailing CAGR
- AUM
- ₹12,863.13 Cr
- 30 Sept 2026
- Volatility
- Low
- 2.5% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 27 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 100% of rolling 3-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.63% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -3.6%. Ask whether you can hold through a similar fall.
Vs category
Pass
100% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 44.4% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+3.3%
- 3Y+7.1%
- 5Y+6.7%
- 10Y+7.7%
- SI+9.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.3%
- 3Y+5.6%
- 5Y+6.6%
- 10Y+7.3%
- Since inception
- +9.2%
- Calendar-day CAGR
- Excess 1Y
- +0.7%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 55
- Vs comparable share classes
- SIP 3Y XIRR
- +5.6%
- Simulated monthly SIP
- Worst rolling 3Y
- +6.1%
- 2603 daily-ending windows
- Median rolling 3Y
- +9.0%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2119 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -3.6%
- Worst peak-to-trough
- Current
- -1.8%
- Below last peak
- Current spell
- 74 days
- Days below latest peak
- Time below peak
- +56%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 313 recovered episodes
- Longest recovery
- 78 days
- Trough to prior peak
24 Nov 2016 – 22 May 2017
Trough 10 Mar 2017 · recovered in 73 days
-3.6%
20 Oct 2015 – 14 Mar 2016
Trough 25 Feb 2016 · recovered in 18 days
-2.8%
9 Mar 2020 – 21 Apr 2020
Trough 19 Mar 2020 · recovered in 33 days
-2.5%
6 Apr 2015 – 28 Jul 2015
Trough 16 Jun 2015 · recovered in 42 days
-2.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
55
Vs category
55
Consistency
93
Risk-adjusted
91
Drawdown
91
Mean
77
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 100% of rolling 3-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 92 holdings · top 10 are 44.4%.
- Top 5
- 33.0%
- Top 10
- 44.4%
- Largest holding
- 9.4%
- Effective holdings
- 30.3
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
9.4%
LIC HOUSING FINANCE LTD TR 454 7.58 NCD 23MR35 FVRS1LAC
Financial
7.3%
Others IRS
Unspecified
7.1%
GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100
Entities
5.5%
GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100
Entities
3.8%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak Dynamic Term Fund
Kotak Mahindra Mutual Fund
- 1Y
- +4.0%
- 3Y
- +7.6%
- Vol
- 2.4%
- Max DD
- -3.2%
- Sharpe
- 1.07
- 3Y win
- +89%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
Mahindra Manulife Dynamic Term Fund
Mahindra Manulife Mutual Fund
- 1Y
- +3.2%
- 3Y
- +7.2%
- Vol
- 1.8%
- Max DD
- -2.3%
- Sharpe
- 0.12
- 3Y win
- +24%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
Groww Dynamic Term Fund
Groww Mutual Fund
- 1Y
- +2.6%
- 3Y
- +5.7%
- Vol
- 1.9%
- Max DD
- -2.3%
- Sharpe
- 0.05
- 3Y win
- +0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
HSBC Dynamic Term Fund
HSBC Mutual Fund
- 1Y
- +2.1%
- 3Y
- +6.4%
- Vol
- 2.1%
- Max DD
- -2.0%
- Sharpe
- 0.19
- 3Y win
- +6%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
ITI Dynamic Term Fund
ITI Mutual Fund
- 1Y
- +1.1%
- 3Y
- +5.6%
- Vol
- 1.6%
- Max DD
- -2.2%
- Sharpe
- -0.19
- 3Y win
- +34%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns