ICICI Prudential Retirement Fund - Pure Debt - Growth Option
₹15.4132
₹0.01 (+0.10%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹15.4132
₹0.01 (+0.10%)
29 May 2026
AMFI: 146726
Direct · Growth
₹₹16.8636
₹0.02 (+0.10%)
29 May 2026
AMFI: 146727
Regular · IDCW
₹₹15.4134
₹0.01 (+0.10%)
29 May 2026
AMFI: 146724
Direct · IDCW
₹₹16.8635
₹0.02 (+0.10%)
29 May 2026
AMFI: 146725
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹100/month became
Real NAV backtest from day one
₹8,700
Invested
₹10,572
Value today
5.3%
XIRR (p.a.)
₹100/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹5,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹5,000
Invested
₹7,707
Value today
6.1%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹4,35,000
Withdrawn
₹10,12,741
Corpus left
+₹4,47,741 net gain — withdrew ₹4,35,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹9,07,323
Value today
-1.9%
vs lumpsum
Direct lumpsum would have beaten STP by 1.9% — but STP reduced timing risk
Model your own STP with real NAVThis fund trailed its benchmark
Top performers in Retirement Fund by 5Y CAGR
ICICI Prudential Retirement Fund - Pure Equity - Growth Option
ICICI Prudential Retirement Fund - Hybrid Aggressive - Growth Option
HDFC Retirement Savings Fund - Equity Plan - Growth Option
₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,40,966
Value today
1.4×
Multiple
Staying invested through that crash turned ₹1L into ₹1,40,966 — a 1.4× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 7 years
Expense ratio drag on your actual returns
Direct plan
₹53,423
Regular plan
₹51,329
Direct earns ₹2,094 more on a ₹42K investment — 0.71% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-1.25
Sharpe Ratio
-0.00
Alpha
0.02
Beta
-1.22
Sortino
1.49%
Std Dev
-1.13%
Max Drawdown
Portfolio Holdings
Top 37 holdings · as of Apr 2026
| Security | % NAV |
|---|---|
Government Securities IN0020240035 | 11.66% |
Government Securities IN0020240035 | 11.48% |
Government Securities IN0020210137 | 8.69% |
Government Securities IN0020210137 | 8.62% |
Nirma Ltd. ** INE091A07208 | 7.31% |
Nirma Ltd. ** INE091A07208 | 7.26% |
LIC Housing Finance Ltd. ** INE115A07NP6 | 6.22% |
LIC Housing Finance Ltd. ** INE115A07NP6 | 6.20% |
Muthoot Finance Ltd. ** INE414G07IR6 | 6.12% |
Government Securities IN0020240019 | 6.11% |
Muthoot Finance Ltd. ** INE414G07IR6 | 6.08% |
Summit Digitel Infrastructure Ltd ** INE507T07062 | 6.08% |
Government Securities IN0020240019 | 6.08% |
Yes Bank Ltd. ** INE528G08345 | 6.06% |
Summit Digitel Infrastructure Ltd ** INE507T07062 | 6.03% |
Yes Bank Ltd. ** INE528G08345 | 6.00% |
Government Securities IN0020250042 | 5.73% |
Government Securities IN0020250042 | 5.65% |
Government Securities IN0020250018 | 5.51% |
Rural Electrification Corporation Ltd. ** INE020B08BO2 | 4.96% |
Rural Electrification Corporation Ltd. ** INE020B08BO2 | 4.95% |
Government Securities IN0020250018 | 4.31% |
Cholamandalam Investment And Finance Company Ltd. ** INE121A08PT9 | 3.69% |
Vedanta Ltd. INE205A08046 | 3.67% |
Cholamandalam Investment And Finance Company Ltd. ** INE121A08PT9 | 3.67% |
Eris Lifesciences Ltd. ** INE406M08011 | 3.67% |
Power Finance Corporation Ltd. ** INE134E08MI4 | 3.65% |
Vedanta Ltd. ** INE205A08046 | 3.65% |
Power Finance Corporation Ltd. ** INE134E08MI4 | 3.64% |
Eris Lifesciences Ltd. ** INE406M08011 | 3.64% |
HDFC Bank Ltd. ** INE040A08773 | 1.34% |
HDFC Bank Ltd. ** INE040A08773 | 1.33% |
Small Industries Development Bank Of India. ** INE556F08KS8 | 1.21% |
Small Industries Development Bank Of India. ** INE556F08KS8 | 1.20% |
Government Securities IN0020250091 | 1.17% |
Power Finance Corporation Ltd. ** INE134E08IO0 | 0.97% |
Power Finance Corporation Ltd. ** INE134E08IO0 | 0.96% |
Performance Comparison
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Investment Objective
ICICI Prudential Retirement Fund - Pure Debt - Growth Option 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 - Growth Option 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 ₹86.5 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