ICICI Prudential Retirement Fund Pure Debt · Regular · Growth
NAV
₹15.6619
as of 14 Jul 2026
Expense Ratio
2.16%
AUM
₹86 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.49%
- 3Y
- +5.99%
- 5Y
- +5.17%
- Since Inception
- +6.27%
SIP returns (XIRR)
- 1Y
- +4.61%
- 3Y
- +5.52%
- 5Y
- +5.59%
- Since Inception
- +5.57%
What history actually did — last 7 years (Jul 2019 – Jul 2026)
A ₹5,000 monthly SIP for the last 7 years (Jul 2019 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹5,08,255 today — ₹4,20,000 invested, 5.5% XIRR.
₹4,20,000
Invested
₹5,08,255
Value today
5.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Jul 2019 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹1,48,358 today (5.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2019 would still hold ₹9,75,329.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹5,08,255 in this fund vs ₹6,18,883 in the benchmark — underperformance of ₹1,10,628.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Jul 2019 – Jul 2026) (22 Mar 2020) would be ₹1,43,240 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-0.61
Sharpe Ratio
+0.00
Alpha
0.03
Beta
-0.59
Sortino
1.59%
Std Dev
-1.13%
Max Drawdown
Performance Comparison
Thinking about ICICI Prudential Retirement Fund Pure Debt · Regular · Growth?
Talk to our AMFI-registered team — free, no pressure. We'll help you see if this fund fits your goals.
Fund Details
Available transactions
Portfolio holdings
- 1Government Securities11.70%
- 2Government Securities8.72%
- 3Nirma Ltd. **7.32%
- 4Government Securities7.06%
- 5Lic Housing Finance Ltd.6.21%
- 6Muthoot Finance Ltd. **6.11%
- 7Summit Digitel Infrastructure Ltd **6.10%
- 8Yes Bank Ltd. **6.07%
- 9Government Securities5.76%
- 10Government Securities5.50%
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 ₹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