Closed to new subscriptions
SEBI's 26 Feb 2026 circular (cl. 2.6.3.16) discontinued the Solution-Oriented category; existing investments continue.
What the Solution-Oriented sunset meansICICI Prudential Retirement Fund Pure Debt · Regular · Growth
NAV
₹15.6536
as of 29 Sept 2026
Expense Ratio
2.14%
AUM
₹82 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.13%
- 3Y
- +5.50%
- 5Y
- +4.86%
- Since Inception
- +6.08%
SIP returns (XIRR)
- 1Y
- +3.17%
- 3Y
- +4.71%
- 5Y
- +5.16%
- Since Inception
- +5.27%
What history actually did — last 7 years (Oct 2019 – Sept 2026)
A ₹5,000 monthly SIP for the last 7 years (Oct 2019 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹4,95,929 today — ₹4,15,000 invested, 5.1% XIRR.
₹4,15,000
Invested
₹4,95,929
Value today
5.1%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Oct 2019 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹1,46,361 today (5.6% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2019 would still hold ₹9,67,681.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹4,95,929 in this fund vs ₹5,62,117 in the benchmark — underperformance of ₹66,188.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Oct 2019 – Sept 2026) (22 Mar 2020) would be ₹1,43,164 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-1.41
Sharpe Ratio
-0.01
Alpha
0.03
Beta
-1.36
Sortino
1.66%
Std Dev
-1.13%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Government Securities13.68%
- 2Government Securities11.96%
- 3Government Securities8.88%
- 4Nirma Ltd. **7.49%
- 5Housing And Urban Development Corporation Ltd. **6.39%
- 6Lic Housing Finance Ltd. **6.35%
- 7Muthoot Finance Ltd. **6.23%
- 8Yes Bank Ltd. **6.22%
- 9Government Securities5.65%
- 10Rural Electrification Corporation Ltd. **5.07%
What this fund does
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 ₹82.1 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Composite Debt Index. The current expense ratio is 2.14%.
Who Should Invest?
- •Individuals planning for retirement with a systematic long-term investment approach