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AI Fund Dissection
AI Fund Dissection
Compare ICICI Prudential Multi - Asset Fund against another fund →NAV as of 28 Jul 2026 · AMFI publishes T+1
Since inception
2 Apr 2006
ISIN
INF109K01761
AI briefing
ICICI Prudential Multi-Asset Fund - Growth is a hybrid multi-asset allocation fund that has historically delivered strong returns across various time periods, significantly outperforming the Nifty 50 benchmark across 1-year, 3-year, 5-year, and 10-year horizons. The fund has demonstrated consistent performance with a 14.16% CAGR since inception and has shown positive returns in 98% of all 3-year rolling periods analyzed.
The fund appears to employ a balanced approach with moderate volatility (16.0%) while maintaining a lower beta (0.69) compared to the market, suggesting a defensive tilt. The fund demonstrates strong downside protection with a downside capture ratio of 63%, indicating it tends to fall less than the market during downturns, while still participating in upside with a 70% upside capture ratio.
Suits
Not for
News & sentiment
Neutral
7 headlines · 5 outlets · 7d
Tone · daily average
Performance
| Window | Fund | Nifty 50 | Difference |
|---|---|---|---|
| 1M | 0.35% | -0.29% | +0.64% |
| 3M | 0.61% | -0.04% | +0.65% |
| 6M | -1.65% | -5.36% | +3.71% |
| 1YCAGR | 7.24% | -2.82% | +10.06% |
| 3YCAGR | 14.65% | 6.88% |
SIP simulator
Monthly amount
For how long
Buys units at the actual published NAV on the same date each month, then computes XIRR over the real cash flows. Not a projection — this is what the SIP would have done.
₹5,000/mo × 181 months
XIRR 15.44%After tax
Tax treatment
Equity
LTCG 12.5% over ₹1.25L (held >1y); STCG 20%
Lock-in
None
Open-ended — redeem any day
₹10,00,000 lumpsum · 5 years at the fund's 17.0% CAGR
Illustrative, using FY2025-26 rules on a hypothetical lumpsum at this fund's realised 5-year CAGR — not a projection or tax advice. Debt gains are added to your income and taxed at your slab (shown at 30%); your actual rate may differ. Surcharge and cess are excluded.
Risk profile
Volatility
16.0%
Annualised, daily NAV
Sharpe
0.48
Excess return per unit of risk
Sortino
0.57
Downside risk only
Max drawdown
-54.4%
7 Jan 2008 → 27 Oct 2008
Recovery
518 days
To reclaim the prior peak
Best 1 year
109.8%
Rolling, any start date
Worst 1 year
-47.8%
Rolling, any start date
Worst-case entry
The unluckiest possible lumpsum: buy at the peak of , and you'd have watched it fall and waited just to break even. A monthly SIP would have softened this by buying through the fall; this is the lumpsum-at-the-top case.
Consistency
Every 3-year holding period since inception — 854 overlapping windows. This is what the fund returned depending on when you happened to buy.
Positive 3y windows
98%
Of 854 windows tested
Median 3y CAGR
15.0%
The typical outcome, not the best one
Vs Nifty 50
Beta
0.69
Moves less than the index
Alpha
+5.23%
Annualised, risk-adjusted
Correlation
0.91
1.0 = moves in lockstep
Upside capture
70%
Of index gains captured
Downside capture
63%
Of index falls absorbed
Capture below 100% on the downside and above it on the upside is the pattern investors pay for. Alpha assumes a 6.5% risk-free rate. Measured against the Nifty 50— the category-appropriate index, though not necessarily this fund's exact stated benchmark.
Cost of advice
| Window | Direct | Regular | Drag |
|---|---|---|---|
| 1Y | 7.96% | 7.24% | 0.72% |
| 3Y | 15.49% | 14.65% | 0.83% |
| 5Y | 17.79% | 16.98% | 0.81% |
| 10Y | 15.82% | 14.95% | 0.87% |
₹10,00,000 held 10 years
Category
| Fund | 1Y | 3Y | 5Y | Volatility |
|---|---|---|---|---|
| Nippon India | 13.9% | 17.5% | 14.9% | 9.5% |
| UTI | 6.6% | 15.1% | 13.3% | 12.0% |
| SBI | 11.7% | 15.1% | 13.1% | 5.7% |
| ICICI Prudentialthis fund |
Category rank
5-year return
17.0% CAGR100th percentile
Out-returned 100% of its category.
Calm (low volatility)
16.0% vol0th percentile
Steadier than 0% of its category.
Ranked against 8 same-category Direct-Growth schemes (the largest AMCs in Multi Asset Allocation by scheme count). A high return percentile with a high calm percentile is the rare combination — most funds trade one for the other. Percentile is of this sample, not the whole category.
Both sides
What the numbers support
What they warn about
Not shown, and why
Portfolio holdings, sector allocation, AUM, expense ratio and the fund manager are absent because no free machine-readable feed publishes them — SEBI mandates monthly disclosure, but each AMC posts its own spreadsheet. Rather than estimate them, this page shows only what AMFI's published NAV series can prove. The cost section derives the expense difference from Direct vs Regular NAVs instead.
NAV as of 28 Jul 2026 · AMFI publishes T+1 · Educational only, not investment advice.
Sensai publishes educational market commentary, not investment advice. We are not SEBI-registered investment advisers or research analysts, and nothing here is a recommendation to buy, sell, or hold any security.
Live prices, index levels, and other market data are pulled from third-party feeds, may be delayed, and can be inaccurate or unavailable. Do not rely on them for trading decisions.
Investing in equities carries risk, including the loss of principal. Always do your own research and consider consulting a SEBI-registered adviser before making any investment decision.
AI interpretation of the computed statistics on this page — educational, not advice. It has no access to portfolio holdings and is instructed not to guess at them.
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Real press coverage from the last 7 days, scored by AI for tone — click any headline for the source. This is news sentiment, not social: X / Reddit / Telegram scoring needs a paid social provider. Educational only.
| +7.77% |
| 5YCAGR | 16.98% | 8.83% | +8.15% |
| 10YCAGR | 14.95% | 10.72% | +4.24% |
| InceptionCAGR | 14.16% | — | — |
Compared against the Nifty 50, the category-appropriate index — a small-cap fund judged against the large-cap Nifty 50 would look better than it is. Windows under 1 year are absolute; 1 year and beyond are annualised (CAGR). Only windows the fund has actually lived through are shown. Past performance does not indicate future returns.
Sharpe and Sortino assume a 6.5% risk-free rate (~Indian 1-year T-bill).
Both plans hold the identical portfolio, so the gap between their NAVs is the commission — measured here from the published NAV series, not quoted from a TER sheet. Compared against scheme 120334. Distributors provide advice for that fee; whether it's worth it is your call.
| 7.2% |
| 14.7% |
| 17.0% |
| 16.0% |
| HDFC | 4.6% | 11.1% | 10.7% | 6.8% |
| ICICI Prudential | -14.2% | 0.8% | 5.0% | 13.4% |
| Kotak Mahindra | 18.8% | — | — | 12.3% |
Same category (Hybrid Scheme - Multi Asset Allocation), same plan type, sorted by 3-year CAGR. Peers are the largest AMCs in the category by scheme count — a size proxy, since scheme-level AUM isn't published in a machine-readable feed.