ICICI Prudential Retirement Fund Pure Debt · Regular · Growth
NAV
₹15.5523
as of 17 Jun 2026
Expense Ratio
2.16%
AUM
₹86 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.16%
- 3Y
- +5.88%
- 5Y
- +5.02%
- Since Inception
- +6.23%
SIP returns (XIRR)
- 1Y
- +3.75%
- 3Y
- +5.35%
- 5Y
- +5.46%
- Since Inception
- +5.49%
This fund trailed its benchmark
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SIP since inception — what ₹100/month became
Real NAV backtest from day one
₹8,800
Invested
₹10,741
Value today
5.4%
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
₹7,757
Value today
6.2%
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
₹4,40,000
Withdrawn
₹10,14,278
Corpus left
+₹4,54,278 net gain — withdrew ₹4,40,000 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
₹9,13,086
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 NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,41,880
Value today
1.4×
Multiple
Staying invested through that crash turned ₹1L into ₹1,41,880 — a 1.4× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.80
Sharpe Ratio
+0.00
Alpha
0.02
Beta
-0.79
Sortino
1.53%
Std Dev
-1.13%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Government Securities11.66%
- 2Government Securities8.69%
- 3Nirma Ltd. **7.31%
- 4Lic Housing Finance Ltd. **6.22%
- 5Muthoot Finance Ltd. **6.12%
- 6Government Securities6.11%
- 7Summit Digitel Infrastructure Ltd **6.08%
- 8Yes Bank Ltd. **6.06%
- 9Government Securities5.73%
- 10Government Securities5.51%
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