ICICI Prudential Retirement Fund Pure Equity · Regular · Growth
NAV
₹35.2800
as of 31 Jul 2026
Expense Ratio
2.03%
AUM
₹1,881 Cr
Lumpsum returns (CAGR)
- 1Y
- +9.29%
- 3Y
- +19.76%
- 5Y
- +19.78%
- Since Inception
- +18.51%
SIP returns (XIRR)
- 1Y
- +10.66%
- 3Y
- +14.55%
- 5Y
- +18.34%
- Since Inception
- +20.49%
What history actually did — last 7 years (Aug 2019 – Jul 2026)
A ₹5,000 monthly SIP for the last 7 years (Aug 2019 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,57,633 today — ₹4,15,000 invested, 20.8% XIRR.
₹4,15,000
Invested
₹8,57,633
Value today
20.8%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Aug 2019 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹3,55,287 today (19.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2019 would still hold ₹26,95,237.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹8,57,633 in this fund vs ₹6,16,074 in the benchmark — outperformance of ₹2,41,559.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Aug 2019 – Jul 2026) (22 Mar 2020) would be ₹5,20,354 today (5.20×).
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, annualised0.52
Sharpe Ratio
+0.14
Alpha
0.54
Beta
0.50
Sortino
15.70%
Std Dev
-11.51%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Jun 2026- Banks8.66%
- Electrical Equipment8.62%
- Industrial Products5.76%
- Capital Markets5.20%
- Petroleum Products4.53%
- Automobiles4.49%
- Diversified Fmcg4.39%
- Realty4.35%
- Cement & Cement Products4.16%
- Consumer Durables3.80%
- Retailing3.36%
- IT - Software3.19%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Ltd.5.92%
- 2Reliance Industries Ltd.4.53%
- 3Hindustan Unilever Ltd.3.16%
- 4Multi Commodity Exchange Of India Ltd.2.69%
- 5Bharti Airtel Ltd.2.62%
- 6Icici Bank Ltd.2.51%
- 7Britannia Industries Ltd.2.40%
- 8Avenue Supermarts Ltd.2.24%
- 9Mahindra & Mahindra Ltd.2.20%
- 10Larsen & Toubro Ltd.2.02%
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 ₹1,881 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