ICICI Prudential Retirement Fund - Hybrid Conservative Direct IDCW NAV today
AMFI: 146718ISIN: INF109KC1UB6MUTF_IN: ICIC_PRU_RET_E91I59ICICI Prudential Mutual FundRetirement funds
NAV ₹19.5749
NAV for 23 Oct 2026. Declared once a day.
- Fund sizeAssets under management. The money the fund manages for all its investors, across every plan, at the end of the month.
- ₹95 CrSep 2026
- Expense ratioTotal expense ratio. What the fund charges each year as a share of the money invested, taken out of the NAV every day, so the returns shown are already after it.
- 1.03%15 Oct 2026
- Exit loadExit load. A charge, as a share of the amount redeemed, on units sold before a set period has passed since they were bought.
- None
- P/EP/E. What the fund pays for each rupee of yearly profit its companies earn: the total value of its shares divided by those companies' last four quarters of profit, each in proportion to what the fund holds. The profit leaves out one-off items (exceptional items and businesses sold or demerged), so one company's one-off gain cannot make the fund look cheap. A loss-making company lowers the profit. Shown when at least 80% of the fund's shares are counted.
- 29.330 Sep 2026
- Risk levelRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month.
- Moderately HighAug 2026
- HoldingsHoldings. The number of different securities in the fund's latest monthly portfolio: shares, bonds, money market paper and units of other funds, not cash, overnight lending or futures.
- 3430 Sep 2026
- LaunchedLaunch date. The day the fund first allotted units to investors, at the close of its new fund offer.
- 27 Feb 2019
ICICI Prudential Retirement Fund - Hybrid Conservative returns
Read from the direct plan's growth option: an IDCW plan's NAV falls by every payout, so it carries no return of its own
Over each window to 23 Oct 2026
| Over | ReturnTrailing return. The change in NAV from the start date to the latest NAV; over a year and longer, the yearly rate that would compound to the same change (CAGR). | BenchmarkBenchmark. The index the fund house chose to measure the fund against, in its total return form, with dividends added back. | Rank in categoryRank in category. The fund's place among the funds of its category with a return over the same window, highest return first. | Category medianCategory median. The middle return of the funds in the category over the same window: half returned more, half less. | Middle halfMiddle half of the category. The returns of the fund a quarter of the way down the category and the fund a quarter of the way up, over the same window: half the category's funds returned between the two. |
|---|---|---|---|---|---|
| 1 week | −1.50% | – | – | – | – |
| 1 month | −3.33% | – | 12 of 29 | −3.99% | −7.6% to −2.7% |
| 3 months | −2.50% | – | 7 of 29 | −4.16% | −5.6% to −2.6% |
| 6 months | −0.61% | – | 7 of 29 | −2.12% | −3.2% to −0.7% |
| 1 year | +1.40% | +0.29%to 30 Sep 2026 | 4 of 29 | −3.70% | −5.3% to −1.7% |
| 3 years | +8.89% | +5.80%to 30 Sep 2026 | 11 of 27 | +8.26% | +6.8% to +10.1% |
| 5 years | +8.00% | +5.44%to 30 Sep 2026 | 11 of 25 | +7.83% | +6.3% to +8.6% |
| 10 years | Needs 10 years | – | – | +9.44% | +7.8% to +11.8% |
₹10,000 put in on 28 Feb 2019 is ₹19,560 at the NAV of 23 Oct 2026Growth of ₹10,000. What ₹10,000 put in at the NAV of the first day would be worth at the latest NAV, after the fund's expenses and before tax and any exit load.Over a year and longer, a return is the yearly rate. Benchmark: Nifty 50 Hybrid Composite Debt 15:85 Conservative Index, over the same days as the fund, or to the month end its cell names. Rank, median and middle half among the Direct plans of Retirement funds, each fund's return to its latest NAV on or before 25 Oct 2026.
At the month end, 30 Sep 2026
| Over | FundTrailing return. The change in NAV from the start date to the latest NAV; over a year and longer, the yearly rate that would compound to the same change (CAGR). | BenchmarkBenchmark return. The change in the benchmark index's total return level over the same dates as the fund's return, as a yearly rate over a year and longer. |
|---|---|---|
| 1 year | +4.98% | +0.29% |
| 3 years | +9.52% | +5.80% |
| 5 years | +8.51% | +5.44% |
| Since launch | +9.55% | +7.75% |
Benchmark: Nifty 50 Hybrid Composite Debt 15:85 Conservative Index. Both as the fund house states them for the month.
Return in each calendar year
- Fund, Direct GrowthCalendar year return. The change in NAV from the last NAV of one year to the last NAV of the next.
Highest year to Dec 2023, +16.3%; lowest year to Dec 2022, +2.7%
ICICI Prudential Retirement Fund - Hybrid Conservative SIP returns
₹10,000 on the 1st of every month, valued at the NAV of 23 Oct 2026
| Period | InvestedAmount invested. ₹10,000 on the 1st of every month, or the next day the fund priced, added up over the period. | Value todayValue today. What the units bought by every instalment are worth at the latest NAV. | Invested against value today | SIP returnSIP return (XIRR). The yearly rate that, applied to each monthly instalment from the day it was invested, gives the value of all the units today. | After stamp dutySIP return after stamp duty. The same SIP return with stamp duty of 0.005% taken from every instalment since 1 Jul 2020, so ₹10,000 buys ₹9,999.50 of units. | Stamp dutyStamp duty paid. The stamp duty on all the instalments, in rupees: 0.005% of each purchase made since 1 Jul 2020. |
|---|---|---|---|---|---|---|
| 1 year12 instalments | ₹1,20,000 | ₹1,18,949₹1,18,943 after stamp duty | −1.69% | −1.70% | ₹6 | |
| 3 years36 instalments | ₹3,60,000 | ₹3,88,521₹3,88,502 after stamp duty | +5.09% | +5.09% | ₹18 | |
| 5 years60 instalments | ₹6,00,000 | ₹7,29,622₹7,29,586 after stamp duty | +7.82% | +7.82% | ₹30 | |
| Since Feb 201992 instalments | ₹9,20,000 | ₹12,81,004₹12,80,955 after stamp duty | +8.51% | +8.51% | ₹38 |
10 years: Launched 27 Feb 2019, needs 10 years of history.
From the Direct Growth plan's NAV, since an IDCW plan's NAV falls by each payout.
Rolling returns
Per cent a year, every window from 28 Feb 2019 to 23 Oct 2026
Lowest to highestAverage
LowestLowest rolling return. The worst yearly return of any window of this length in the fund's history, one window starting on each day it priced.AverageAverage rolling return. The average of the yearly returns of every window of this length in the fund's history.HighestHighest rolling return. The best yearly return of any window of this length in the fund's history.Ended higherWindows that ended higher. The share of all the windows of this length in which the NAV ended above where it started.
1 year1,611 windows−1.7%+10.0%+25.3%99.8%
3 years1,127 windows+7.1%+10.1%+13.4%100.0%
5 years642 windows+8.0%+10.1%+12.2%100.0%
10 yearsLaunched 27 Feb 2019, needs 11 years of history
Every 3 and 5-year window ended higher than it started.From the Direct Growth plan's NAV, since an IDCW plan's NAV falls by each payout.
ICICI Prudential Retirement Fund - Hybrid Conservative expense ratio and exit load
Per cent of the money invested, a year. Each month shows its last day filed; the parts were redefined from Apr 2026.
- Regular over directDirect and regular plan cost gap. The regular plan's expense ratio less the direct plan's: what buying through a distributor costs each year, since both plans own the same portfolio.
- 1.21 ptsA year, on 15 Oct 2026
- Direct, 30-day averageExpense ratio, 30-day average. The total expense ratio averaged over the last 30 days the fund filed it, which evens out the day-to-day moves in brokerage and levies.
- 1.04%Over the last 30 days filed
- Regular, 30-day averageExpense ratio, 30-day average. The total expense ratio averaged over the last 30 days the fund filed it, which evens out the day-to-day moves in brokerage and levies.
- 2.25%Over the last 30 days filed
Total expense ratio, month by month
- Regular plan
- Direct plan
Direct plan highest 1.09%, Apr 2024.Direct plan lowest 0.13%, Aug 2019.
What the expense ratio is made of
| Part | Direct | Regular |
|---|---|---|
| Base expense ratioBase expense ratio. The part of the expense ratio that pays the fund house and the distributor, before brokerage, transaction costs, levies and GST. | 0.79% | 1.84% |
| Brokerage | 0.02% | 0.02% |
| Transaction costs | None | None |
| Statutory levies | 0.22% | 0.38% |
Per cent of assets a year, filed for 15 Oct 2026. The parts add up to that day's total.
Buying and selling
- Lump-sum purchases
- Not accepted
- Minimum investmentMinimum investment. The smallest amount the plan accepts for a first purchase.
- ₹5,000
- Minimum top-up
- ₹1,000
- Minimum redemption
- ₹0
- SIP
- Not accepted
- SIP dates
- All dates
- STP, transfers to another fund
- Not accepted
- SWP, regular withdrawals
- Accepted
- Switches
- Accepted
- Lock-inLock-in. The time after each purchase during which those units cannot be sold.
- 5 years, or until retirement age if sooner
- SIP minimum
- 100Choti SIP = Monthly = Rs. 250 only (For classifying as Choti SIP amount should not be more or less than Rs.250/-)
- SIP instalments, at least
- Daily, Weekly, Fortnightly, Monthly will be 6 and Quarterly 4Choti SIP = Monthly = 60
As listed for this plan on 24 Oct 2026.
ICICI Prudential Retirement Fund - Hybrid Conservative AUM
₹ crore, every plan of the fund together.
- Average assetsAverage assets under management. The money the fund managed, averaged over every day of the quarter, added up across its plans.
- ₹97 CrQuarter to Sep 2026
- In the direct plansShare of assets in the direct plans. The direct plans' average assets for the quarter as a percentage of the fund's total; the rest is in the regular plans, bought through distributors.
- 11.7%Of the quarter's average
Average assets by quarter, by plan
- Regular plans
- Direct plans
The latest quarter is the largest since the quarter to Jun 2018.
Assets at each month end
Highest ₹98 Cr, Aug 2026.Lowest ₹51 Cr, Sep 2020.
ICICI Prudential Retirement Fund - Hybrid Conservative portfolio
Portfolio disclosed for 30 Sep 2026.
Holdings on 30 Sep 2026
| Large, mid and small cap. Companies ranked by average market value over six months: the first 100 are large cap, the next 150 mid cap, the rest small cap, by the list in force for the portfolio's month. | Weight in the fund. The holding's market value on the portfolio date as a share of the fund's net assets. | Yield to maturity. The yearly return the fund's bonds would earn if each were held to maturity at today's price, weighted by what the fund holds of each. | Held since. The first month end of the fund's current run of holding this position; marked "or earlier" where that month is the fund's first portfolio on record or the first after a gap in its portfolios. | ||||
|---|---|---|---|---|---|---|---|
| Government SecuritiesSOV, 6.94% coupon, repaid 11 May 2036 | Bonds and bills | 32.70% | 31.15 | 31,66,400 | 7.31% | Jun 2026 | |
| Government SecuritiesSOV, 7.34% coupon, repaid 22 Apr 2064 | Bonds and bills | 5.99% | 5.71 | 6,00,000 | 7.89% | Mar 2025 | |
| Housing and Urban Development Corporation Ltd.ICRA AAA, repaid 12 Nov 2028 | Bonds and bills | 5.35% | 5.10 | 50 | 7.71% | Jul 2026 | |
| NABARDCRISIL AAA, repaid 31 Jan 2028 | Bonds and bills | 5.24% | 4.99 | 500 | 7.75% | Mar 2025 | |
| Rural Electrification Corporation Ltd.CRISIL AAA, 8.30% coupon, repaid 25 Mar 2029 | Bonds and bills | 4.26% | 4.06 | 40 | 7.74% | Mar 2026 | |
| Government SecuritiesSOV, 6.90% coupon, repaid 15 Apr 2065 | Bonds and bills | 3.77% | 3.59 | 4,00,000 | 7.89% | Apr 2026 | |
| Nirma Ltd.CRISIL AA, 8.50% coupon, repaid 7 Apr 2027 | Bonds and bills | 3.68% | 3.51 | 350 | 7.65% | Jul 2024 | |
| Vedanta Ltd.CRISIL AA+, repaid 3 Dec 2027 | Bonds and bills | 2.12% | 2.02 | 200 | 8.53% | Jun 2025 | |
| Life Insurance Corporation of IndiaInsurance | Shares | Large cap11th | 2.09% | 1.99 | 50,400 | – | Aug 2026 |
| Power Finance Corporation Ltd.CRISIL AAA, 7.70% coupon, repaid 15 Apr 2033 | Bonds and bills | 2.08% | 1.98 | 200 | 7.89% | Jul 2025 | |
| India Universal Trust AL1FITCH AAA(SO), repaid 20 Sep 2030 | Bonds and bills | 1.76% | 1.68 | 2 | 8.69% | Sep 2024 | |
| Government SecuritiesSOV, repaid 30 Oct 2034 | Bonds and bills | 1.76% | 1.68 | 1,63,030 | 6.10% | Apr 2022 | |
| Samvardhana Motherson InternationalAuto Components | Shares | Large cap77th | 1.76% | 1.67 | 1,02,452 | – | Feb 2025 |
| Mahindra & MahindraAutomobiles | Shares | Large cap14th | 1.60% | 1.53 | 5,177 | – | Sep 2024 |
| Kotak Mahindra BankBanks | Shares | Large cap16th | 1.54% | 1.47 | 35,170 | – | May 2026 |
Weight is per cent of the fund's net assets; value in ₹ crore.
Cash and receivables on 30 Sep 2026
| Weight in the fund. The holding's market value on the portfolio date as a share of the fund's net assets. | ||
|---|---|---|
| TREPS | 3.61% | 3.44 |
| Net Current Assets | 2.32% | 2.21 |
Weight is per cent of the fund's net assets; value in ₹ crore.
- Largest holdingLargest holding. The share of the fund in its single largest position, cash and futures not counted as positions.
- 32.70%Government Securities
- Top 5 holdingsTop 5 holdings. The share of the fund held in its five largest positions.
- 53.54%
- Top 10 holdingsTop 10 holdings. The share of the fund held in its ten largest positions.
- 67.27%
- Top 10 sharesTop 10 shares. The share of the fund held in its ten largest shareholdings, bonds and fund units left out.
- 14.52%
- Effective holdingsEffective number of holdings. The number of equal-sized positions that would be as concentrated as the fund's actual weights.
- 7.1Taken over 94.07% of the fund
Asset allocation
Asset allocation. What the fund owns, by kind of asset, each as a share of its net assets; futures and options are shown beside it, not in it, since they are contracts rather than assets bought.- Indian shares22.55%
- Bonds and bills71.52%
- Cash and receivables5.93%
Per cent of the fund's net assets.
Large, mid and small cap
Large, mid and small cap. Companies ranked by average market value over six months: the first 100 are large cap, the next 150 mid cap, the rest small cap, by the list in force for the portfolio's month.- Large cap70.41%Category 60.32%
- Mid cap15.80%Category 19.10%
- Small cap13.79%Category 20.04%
Per cent of the fund's Indian shares. By the list for the six months to Jun 2026. Category is the average of 27 Retirement funds.
Sector allocation
Sector weight. The fund's shares grouped by the business each company is in, less the futures sold on them, each group as a share of the fund's net assets.9sectors
- Financial Services5.64%Category 17.94%
- Automobile And Auto Components4.06%Category 5.30%
- Healthcare2.65%Category 5.00%
- Metals & Mining2.60%Category 1.24%
- Consumer Services2.43%Category 3.46%
- Consumer Durables1.89%Category 2.24%
- Capital Goods1.42%Category 5.26%
- Services1.00%Category 1.87%
- Fast Moving Consumer Goods0.85%Category 3.35%
Per cent of the fund's net assets, less the futures sold on its shares, Sep 2026. Category is the average of 29 Retirement funds. Category average. The sector's weight, less the futures sold on it, averaged over the 29 Retirement funds that disclosed a portfolio for Sep 2026. A fund holding none of the sector counts as 0.
Sector allocation month by month
| 13 months | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Financial Services4 companies | 5.64% | 5.87% | 4.68% | 4.47% | 3.20% | 2.10% | 1.82% | 1.99% | 4.34% | 4.14% | 4.31% | 3.88% | |
| Automobile And Auto Components3 companies | 4.06% | 4.12% | 4.08% | 3.23% | 3.83% | 3.65% | 3.40% | 3.90% | 3.02% | 3.57% | 4.32% | 4.06% | |
| Healthcare3 companies | 2.65% | 2.42% | 2.54% | 0.81% | 0.88% | 0.91% | 0.93% | 0.95% | 0.88% | 0.97% | 1.40% | 0.49% | |
| Metals & Mining3 companies | 2.60% | 2.55% | 3.02% | 3.04% | 3.59% | 4.34% | 4.32% | 4.86% | 6.74% | 6.07% | 6.79% | 6.73% | |
| Consumer Services2 companies | 2.43% | 2.67% | 0.77% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.96% | 1.01% | |
| Consumer Durables2 companies | 1.89% | 2.00% | 1.91% | 1.88% | 1.86% | 0.70% | 0.68% | 0.67% | 0.66% | 0.75% | 0.00% | 0.00% | |
| Capital Goods1 company | 1.42% | 1.43% | 1.40% | 1.34% | 0.64% | 0.00% | 0.58% | 0.72% | 0.00% | 0.00% | 0.00% | 0.04% | |
| Services1 company | 1.00% | 1.03% | 1.03% | 1.08% | 0.93% | 0.92% | 0.85% | 1.00% | 1.45% | 1.60% | 2.76% | 2.67% | |
| Fast Moving Consumer Goods1 company | 0.85% | 1.70% | 1.73% | 1.98% | 2.08% | 1.15% | 0.98% | 0.89% | 0.50% | 0.00% | 0.00% | 0.00% | |
| Oil Gas & Consumable Fuels | 0.00% | 0.00% | 0.00% | 0.00% | 0.22% | 0.22% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| Information Technology | 0.00% | 0.00% | 1.28% | 1.10% | 1.22% | 1.23% | 1.26% | 1.20% | 1.57% | 1.47% | 1.41% | 1.34% | |
| Chemicals | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Per cent of the fund's net assets, less the futures sold on its shares, at each month end, Oct 2025 to Sep 2026; the line runs from Sep 2025.
- Yield to maturityYield to maturity. The yearly return the fund's bonds would earn if each were held to maturity at today's price, weighted by what the fund holds of each.
- 7.57%Lines stating a yield: 95.20% of the bond book
- Yield after expensesYield after expenses. The yield to maturity less the plan's expense ratio.
- 6.52%Direct plan
- Maturity date knownMaturity date known. The share of the bond book, perpetual bonds left out, whose repayment date is known: the bonds the durations and the maturity profile are taken over.
- 100.00%Of the bond book, perpetual bonds left out
- Perpetual bondsPerpetual bonds. Bonds with no maturity date: the issuer pays interest with no fixed day to repay. Their share of the bond book; they are in no duration and no maturity window.
- None
The bond book is the fund's bonds, bills and overnight lending.
Credit rating
Credit rating. A rating agency's grade for how likely the borrower is to repay on time: AAA down to D for loans of over a year, A1+ down to A4 for loans of under a year, two scales that are never compared.Loans of over a year
- Sovereign44.21%
- AAA21.51%
- AA5.80%
Other
- Overnight lending3.61%
Per cent of the fund's net assets. A grade is stated for 100.00% of the bonds.
Maturity profile
Maturity profile. The fund's bonds grouped by how long until each is repaid, as a share of the fund's net assets; a bond with no known maturity date is left off.- Up to 1 month3.61%
- 1 to 3 monthsNone
- 3 to 6 monthsNone
- 6 to 12 months5.45%
- 1 to 3 years18.01%
- 3 to 5 years1.76%
- 5 to 10 years36.53%
- Over 10 years9.76%
Per cent of the fund's net assets, over the bonds whose maturity date is known; perpetual bonds have none.
- Largest borrowerLending to one borrower. The share of the fund lent to a single company or group of companies, government bonds left out.
- 5.35%Housing & Urban Development Corporation Limited
- Top 5 borrowersLending to one borrower. The share of the fund lent to a single company or group of companies, government bonds left out.
- 20.71%
- Top 10 borrowersLending to one borrower. The share of the fund lent to a single company or group of companies, government bonds left out.
- 27.30%
Per cent of the fund's net assets. Lent outside the government: 27.30% of the fund, to 9 borrowers; the borrower is named for 100.00% of it, its group for 43.96%.
Bought and sold
Sep 2026 against Aug 2026, position by position.
Positions changed, month by month
- New
- Added
- Trimmed
- Sold out
- New positionsNew positions. Holdings in this month's portfolio that were not in the month before.
- 0
- Sold outSold out. Holdings in last month's portfolio that are gone from this one, other than a bond or deposit repaid on its due date.
- 10.79% of the fund before
- MaturedMatured. Bonds and deposits whose repayment date fell between the two portfolios, so they were repaid rather than sold. One sold in its last days reads the same.
- 1
- Added toAdded to. Holdings with more units than the month before. Where the fund states no units, a weight that rose by more than a tenth.
- 3
- TrimmedTrimmed. Holdings with fewer units than the month before. Where the fund states no units, a weight that fell by more than a tenth.
- 1
- UnchangedUnchanged. Holdings with the same number of units as the month before. Their weight can still move with the price.
- 30
- Traded at leastTraded at least. The smaller of the weight bought in new positions and the weight sold out of old ones, cash left out: the least the fund must have bought and sold in the month.
- 0.00%
- Weight that movedWeight that moved. Half the sum of every position's change in weight between the two month ends, new and sold positions included; price moves alone raise it.
- 10.22%
Changes in Sep 2026
| What changed. New: not held the month before. Added or trimmed: more or fewer units than the month before, or, where no units are stated, a weight that moved by more than a tenth. Sold out: held the month before, gone now. Matured: a bond or deposit whose repayment date fell between the two portfolios, so it was repaid rather than sold (one sold in its last days reads the same). | Change in weight. The holding's weight this month less its weight the month before, in percentage points; a price move alone changes it. | ||||
|---|---|---|---|---|---|
| Government Securities | Added | 32.70% | 23.71% | +8.98 pts | +8,50,000 |
| Yes Bank Ltd. | Matured | – | 2.05% | −2.05 pts | – |
| Radico Khaitan | Sold out | – | 0.79% | −0.79 pts | −1,726 |
| Apollo Hospitals Enterprise | Added | 1.38% | 0.98% | +0.40 pts | +540 |
| Kotak Mahindra Bank | Trimmed | 1.54% | 1.66% | −0.12 pts | −3,470 |
| Mahindra & Mahindra | Added | 1.60% | 1.59% | +0.02 pts | +460 |
Weights are per cent of the fund's net assets; a change in weight is in percentage points.
Holdings month by month
| Holding | Oct 25 | Nov 25 | Dec 25 | Jan 26 | Feb 26 | Mar 26 | Apr 26 | May 26 | Jun 26 | Jul 26 | Aug 26 | Sep 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Government Securities | – | – | – | – | – | – | – | – | 5.33%Bought | 24.14%Added | 23.71% | 32.70%Added |
| Government Securities | 6.80% | 6.62% | 6.65% | 6.55% | 6.39% | 6.40% | 6.39% | 6.32% | 6.23% | 6.01% | 5.91% | 5.99% |
| Housing and Urban Development Corporation Ltd. | – | – | – | – | – | – | – | – | – | 5.32%Bought | 5.26% | 5.35% |
| NABARD | 5.76% | 5.67% | 5.64% | 5.57% | 5.43% | 5.63% | 5.56% | 5.48% | 5.28% | 5.18% | 5.12% | 5.24% |
| Rural Electrification Corporation Ltd. | – | – | – | – | – | 4.61%Bought | 4.53% | 4.47% | 4.34% | 4.25% | 4.18% | 4.26% |
| Government Securities | – | – | – | – | – | – | 4.03%Bought | 3.97% | 3.91% | 3.78% | 3.72% | 3.77% |
| Nirma Ltd. | 4.00% | 3.94% | 3.92% | 3.88% | 3.79% | 3.94% | 3.90% | 3.85% | 3.69% | 3.63% | 3.59% | 3.68% |
| Vedanta Ltd. | 2.26% | 2.24% | 2.23% | 2.22% | 2.17% | 2.26% | 2.24% | 2.20% | 2.12% | 2.09% | 2.07% | 2.12% |
 Life Insurance Corporation of India | – | – | – | – | – | – | – | – | – | – | 2.16%Bought | 2.09% |
| Power Finance Corporation Ltd. | 2.34% | 2.31% | 2.28% | 2.25% | 2.20% | 2.26% | 2.23% | 2.19% | 2.14% | 2.10% | 2.05% | 2.08% |
| Government Securities | 7.62% | 7.51% | 1.84%Cut | 1.83% | 1.79% | 1.88% | 1.86% | 1.84% | 1.76% | 1.73% | 1.72% | 1.76% |
| India Universal Trust AL1 | 2.12% | 2.08% | 2.06% | 2.02% | 1.96% | 2.02% | 1.99% | 1.94% | 1.85% | 1.80% | 1.75% | 1.76% |
 Samvardhana Motherson International | 0.71% | 0.78% | 0.80% | 0.85%Added | 0.98% | 0.81% | 0.92% | 1.09% | 1.06% | 1.60%Added | 1.79% | 1.76% |
 Mahindra & Mahindra | 1.97% | 2.09% | 2.06% | 1.51%Cut | 1.46% | 1.33% | 1.37% | 1.43%Added | 1.52%Added | 1.66% | 1.59% | 1.60%Added |
 Kotak Mahindra Bank | – | – | – | – | – | – | – | 1.19%Bought | 1.59%Added | 1.56% | 1.66% | 1.54%Cut |
Per cent of the fund's net assets at each month end, Oct 2025 to Sep 2026. Under it, the change on the fund's previous month. "After a gap" is a holding after a month with no portfolio on record, so when it was bought is not known; "Not filed" is one gone across such a gap.
Portfolio turnover, per cent of assets a year
- TurnoverPortfolio turnover. How much of the portfolio the fund bought or sold over the last year, as a share of its assets, as the fund house states it.
Highest 86.0% in Sep 2026
Risk ratios
NAV to 23 Oct 2026
Each bar runs from the lowest to the highest figure among the Direct plans of Retirement funds (26 funds) over the same 3 years; the tick is their average and the dot this fund.
How much the NAV moves
Standard deviationStandard deviation. How far the fund's monthly returns spread around their average, stated as a yearly figure: the wider the spread, the more the NAV moves.4.66%
1.43%Lowest9.93%Average16.83%Highest
Downside deviationDownside deviation. Standard deviation counting only the months in which the fund lost money, stated as a yearly figure.2.50%
0.46%Lowest6.17%Average10.32%Highest
Sharpe ratioSharpe ratio. The monthly return above the 91-day Treasury bill yield, divided by its standard deviation and stated for a year: the extra return for each unit of movement in the NAV.0.72
−0.18Lowest0.31Average0.78Highest
Sortino ratioSortino ratio. The monthly return above the 91-day Treasury bill yield, divided by how far it fell below that yield and stated for a year: the extra return for each unit of movement on the way down.1.05
−0.23Lowest0.45Average1.29Highest
From the Direct Growth plan's NAV, since an IDCW plan's NAV falls by each payout.
Largest falls
| Largest over | FallLargest fall. The biggest drop in NAV from a high to the low that followed, before the NAV went back above that high. | High on | Low on | Back at the highBack at the high. The first day the NAV closed at or above the high it had fallen from. |
|---|---|---|---|---|
| 1 and 3 years | −4.27% | 14 Aug 2026 | 23 Oct 2026 | Not yet |
| 5 years | −4.66% | 13 Jan 2022 | 17 Jun 2022 | 17 Aug 2022 |
| Since Feb 2019 | −10.16% | 14 Feb 2020 | 23 Mar 2020 | 22 Jun 2020 |
Risk level by month
| Months | FundRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month. | BenchmarkBenchmark's risk level. The riskometer level of the fund's benchmark index for the same month, on the same six-step scale as the fund's own. |
|---|---|---|
| Apr 2022 to Aug 202653 months | Moderately High | Moderately HighNifty 50 Hybrid Composite Debt 15:85 Conservative Index |
| Feb 2022 to Mar 20222 months | Moderate | Moderately HighNifty 50 Hybrid Composite Debt 15:85 Conservative Index |
| Oct 2021 to Jan 20224 months | Moderately High | Moderately HighNifty 50 Hybrid Composite Debt 15:85 Conservative Index |
The riskometer at each month end, the fund's and its benchmark's. A month with none on record is left out.
ICICI Prudential Retirement Fund - Hybrid Conservative fund managers
Managers now
| Manager | Return in the manager's time. The change in the plan's NAV from the day the manager took the fund over to the latest NAV; past a year, the yearly rate that would compound to the same change. | Benchmark over the same days. The change in the fund's benchmark index over the same days as the manager's return, worked out the same way, with the dividends of the index's companies added back. | Difference from the benchmark. The fund's return in the manager's time less its benchmark's over the same days, in percentage points. | Portfolio changed after the handover. How much of the portfolio was different three months after the manager took over: half the sum of every holding's change in weight, with each side's holdings scaled to add up to 100 so a move into cash does not count. | Portfolio changed before the handover. The same measure over the three months before the manager took over, since portfolios change anyway. | Assets the manager runs. The latest monthly size of every fund the manager runs now, added up; a fund run with others counts in full for each of its managers, and the line under it counts only the funds they run alone. | ||
|---|---|---|---|---|---|---|---|---|
| Darshil DedhiaCo-Manages | Jan 2024 | +7.95%a year | – | – | 42.7% | 13.4% | 18 | ₹1,30,618 Cr |
| Rohit LakhotiaCo-Manages | Jun 2023 | +10.08%a year | – | – | 24.3% | 15.9% | 16 | ₹25,324 Cr |
| Manasvi ShahCo-Manages | Aug 2025 | +5.21%a year | – | – | 9.8% | 13.9% | 4 | ₹3,490 Cr |
Returns are the direct plan's growth NAV, from the day each took over to the latest NAV, beside the benchmark over the same days.
Other funds they run
| Fund | Return in the manager's time. The change in the plan's NAV from the day the manager took the fund over to the latest NAV; past a year, the yearly rate that would compound to the same change. | Benchmark over the same days. The change in the fund's benchmark index over the same days as the manager's return, worked out the same way, with the dividends of the index's companies added back. | Difference from the benchmark. The fund's return in the manager's time less its benchmark's over the same days, in percentage points. | ||
|---|---|---|---|---|---|
| ICICI Prudential Liquid FundDarshil Dedhia | Jun 2023 | +6.91%a year | – | – | ₹55,340 Cr |
| ICICI Prudential Arbitrage FundDarshil Dedhia | Sep 2024 | +6.89%a year | – | – | ₹35,576 Cr |
| ICICI Prudential Overnight FundDarshil Dedhia | Jun 2023 | +6.09%a year | – | – | ₹12,280 Cr |
| ICICI Prudential Floating Interest FundDarshil Dedhia | Jun 2023 | +7.85%a year | – | – | ₹8,658 Cr |
| ICICI Prudential Nifty PSU Bond Plus SDL Sep 2027 40 60 Index FundDarshil Dedhia | Jan 2024 | +7.38%a year | +7.64% | −0.26 pts | ₹7,771 Cr |
| ICICI Prudential Retirement Fund - Pure EquityDarshil Dedhia | Jan 2024 | +14.20%a year | +6.62% | +7.58 pts | ₹2,106 Cr |
| ICICI Prudential Nifty SDL Sep 2027 Index FundDarshil Dedhia | Jan 2024 | +7.40%a year | +7.70% | −0.30 pts | ₹1,429 Cr |
| ICICI Prudential Children's FundDarshil Dedhia | Jan 2024 | +8.30%a year | – | – | ₹1,376 Cr |
| ICICI Prudential Retirement Fund - Hybrid AggressiveDarshil Dedhia | Jan 2024 | +12.91%a year | – | – | ₹1,268 Cr |
| ICICI Prudential BSE Liquid Rate ETFDarshil Dedhia | Sep 2024 | – | – | – | ₹1,071 Cr |
Up to ten funds a manager, largest first. Returns are the direct plan's.
Portfolio overlap
Funds holding the most of the same securities, by weight.
Closest funds in the category
| Portfolio overlap. The share of the two funds' portfolios that is the same: for every holding they share, the smaller of its two weights, added up. | Shared holdings. The number of securities both funds hold, cash and futures left out. | |
|---|---|---|
| ICICI Prudential Retirement Fund - Pure DebtICICI Prudential Mutual Fund | 47.38% | 10 |
| ICICI Prudential Retirement Fund - Hybrid AggressiveICICI Prudential Mutual Fund | 26.50% | 25 |
| Baroda BNP Paribas Retirement FundBaroda BNP Paribas Mutual Fund | 13.77% | 7 |
| Axis Retirement Fund - ConservativeAxis Mutual Fund | 12.62% | 6 |
| ICICI Prudential Retirement Fund - Pure EquityICICI Prudential Mutual Fund | 10.69% | 10 |
| Axis Retirement Fund - DynamicAxis Mutual Fund | 8.89% | 9 |
| Axis Retirement Fund - AggressiveAxis Mutual Fund | 8.83% | 9 |
| Aditya Birla Sun Life Retirement Fund-The 40sAditya Birla Sun Life Mutual Fund | 8.25% | 5 |
| Nippon India Retirement Fund- Wealth Creation SchemeNippon India Mutual Fund | 8.09% | 7 |
| Tata Retirement Savings Fund- ModerateTata Mutual Fund | 7.44% | 6 |
Portfolios for Sep 2026. Overlap is per cent of the portfolio the two funds hold in common.
Changes to the fund
Newest first.
2026
- 1 AprExpenseExpense ratio stated under the new rules: a base ratio, with brokerage, levies and GST on top
Fund details
Objective
To generate regular income through investments predominantly in debt and money market instruments. The Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. However, there is no assurance or guarantee that the investment objective of the plan would be achieved.
Asset allocation
- Debt Securities, money market instruments = 70% - 95%
- Equity & Equity related instruments = 5% - 30%
- Units issued by InvITs = 0% - 10%
Type of scheme
Open Ended
- Stated category
- Solution Oriented - Retirement Fund
- BenchmarkBenchmark. The index the fund house chose to measure the fund against, in its total return form, with dividends added back.
- Nifty 50 Hybrid Composite Debt 15:85 Conservative Index
- Risk level at launchRiskometer. The fund's own risk label on SEBI's six-step scale, from Low to Very High, set from what the fund holds and reviewed every month.
- Moderately High
- New fund offer
- 7 Feb 2019 to 21 Feb 2019
- Units first allotted
- 27 Feb 2019
- Open for sale again
- 7 Mar 2019
- Price at the offer
- ₹10 a unit
- Minimum at the offer
- ₹5,000
Plans and codes
| Plan | AMFI code | ISIN | MUTF_IN | First NAV |
|---|---|---|---|---|
| Direct Growth | 146716 | INF109KC1UA8 | ICIC_PRU_RET_17Z5QE | 28 Feb 2019 |
| Regular Growth | 146717 | INF109KC1TY0 | ICIC_PRU_RET_1GSXPST | 28 Feb 2019 |
| Direct IDCW | 146718 | INF109KC1UB6 | ICIC_PRU_RET_E91I59 | 28 Feb 2019 |
| Regular IDCW | 146719 | INF109KC1TZ7 | ICIC_PRU_RET_1KCSQ5P | 28 Feb 2019 |
This fund
- Scheme information document (opens in a new tab)The fund's objective, terms, costs and risks in full
Factsheet
- Complete Factsheet September 2026 (opens in a new tab)ICICI Prudential Mutual Fund, Sep 2026
Statement of additional information
- SAI ICICI Prudential Mutual Fund (opens in a new tab)ICICI Prudential Mutual Fund, Oct 2026
Annual report
- ICICI Prudential Aggressive Hybrid Active FOF (opens in a new tab)ICICI Prudential Mutual Fund, Mar 2026
- ICICI Prudential All Seasons Bond Fund (opens in a new tab)ICICI Prudential Mutual Fund, Mar 2026
- ICICI Prudential Banking and Financial Services Fund (opens in a new tab)ICICI Prudential Mutual Fund, Mar 2026
- ICICI Prudential Banking and PSU Debt Fund (opens in a new tab)ICICI Prudential Mutual Fund, Mar 2026
Riskometer disclosure
- Annual Disclosure of Scheme Riskometer FY 2025-26 (opens in a new tab)ICICI Prudential Mutual Fund, Mar 2026
Portfolio overlap disclosure
- Portfolio Overlap September 2026 (opens in a new tab)ICICI Prudential Mutual Fund, Sep 2026