ICICI Prudential Retirement Fund Pure Equity · Regular · Growth
NAV
₹34.9800
as of 14 Jul 2026
Expense Ratio
2.03%
AUM
₹1,682 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.48%
- 3Y
- +20.50%
- 5Y
- +20.48%
- Since Inception
- +18.50%
SIP returns (XIRR)
- 1Y
- +9.88%
- 3Y
- +14.40%
- 5Y
- +18.31%
- Since Inception
- +20.49%
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 ₹8,68,114 today — ₹4,20,000 invested, 20.8% XIRR.
₹4,20,000
Invested
₹8,68,114
Value today
20.8%
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 ₹3,32,194 today (18.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2019 would still hold ₹24,53,823.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹8,68,114 in this fund vs ₹6,18,883 in the benchmark — outperformance of ₹2,49,231.
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 ₹5,15,929 today (5.16×).
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, annualised0.47
Sharpe Ratio
+0.13
Alpha
0.53
Beta
0.45
Sortino
16.08%
Std Dev
-11.51%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 May 2026- Electrical Equipment9.32%
- Banks8.81%
- Industrial Products5.99%
- Automobiles4.99%
- Capital Markets4.73%
- Realty4.65%
- Diversified Fmcg4.61%
- Cement & Cement Products4.16%
- Petroleum Products4.14%
- IT - Software3.80%
- Consumer Durables3.79%
- Chemicals & Petrochemicals2.94%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Ltd.5.74%
- 2Reliance Industries Ltd.4.14%
- 3Hindustan Unilever Ltd.3.34%
- 4Britannia Industries Ltd.2.47%
- 5Icici Bank Ltd.2.38%
- 6Mahindra & Mahindra Ltd.2.27%
- 7Abb India Ltd.2.26%
- 8Usha Martin Ltd.2.12%
- 9Larsen & Toubro Ltd.2.06%
- 10Multi Commodity Exchange Of India Ltd.2.06%
Investment Objective
ICICI Prudential Retirement Fund Pure Equity · 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 Equity · 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 ₹1,682 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 2.03%.
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