ICICI Prudential Retirement Fund Pure Debt · Regular · Growth
NAV
₹15.6720
as of 31 Jul 2026
Expense Ratio
2.16%
AUM
₹82 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.50%
- 3Y
- +5.91%
- 5Y
- +5.15%
- Since Inception
- +6.24%
SIP returns (XIRR)
- 1Y
- +4.35%
- 3Y
- +5.40%
- 5Y
- +5.52%
- Since Inception
- +5.52%
What history actually did — last 7 years (Aug 2019 – Jul 2026)
A ₹5,000 monthly SIP for the last 7 years (Aug 2019 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹5,01,194 today — ₹4,15,000 invested, 5.4% XIRR.
₹4,15,000
Invested
₹5,01,194
Value today
5.4%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Aug 2019 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹1,48,091 today (5.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2019 would still hold ₹9,79,713.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹5,01,194 in this fund vs ₹6,16,074 in the benchmark — underperformance of ₹1,14,880.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Aug 2019 – Jul 2026) (22 Mar 2020) would be ₹1,43,333 today (1.43×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.75
Sharpe Ratio
+0.00
Alpha
0.03
Beta
-0.74
Sortino
1.60%
Std Dev
-1.13%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Government Securities11.99%
- 2Government Securities8.66%
- 3Nirma Ltd. **7.31%
- 4Government Securities7.14%
- 5Lic Housing Finance Ltd. **6.23%
- 6Muthoot Finance Ltd. **6.10%
- 7Yes Bank Ltd. **6.06%
- 8Government Securities5.91%
- 9Government Securities5.64%
- 10Rural Electrification Corporation Ltd. **5.01%
Investment Objective
ICICI Prudential Retirement Fund Pure Debt · Regular · Growth by ICICI Prudential Mutual Fund is a Retirement Fund fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Retirement Fund category.
About This Fund
ICICI Prudential Retirement Fund Pure Debt · Regular · Growth is a Retirement Fund mutual fund offered by ICICI Prudential Mutual Fund. The fund has been operational for over 7 years. It manages assets worth ₹81.9 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Composite Debt Index. The current expense ratio is 2.16%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations