ICICI Prudential Retirement Fund Hybrid Conservative Plan
ICICI Prudential Mutual Fund · Retirement · Regular plan, growth option
NAV (₹), 1 Oct 2026
18.0124
1-day change
-0.43%
1Y return
2.9%
3Y CAGR
8.1%
5Y CAGR
7.3%
Max drawdown, 5Y
−4.9%
NAV history month-end NAV, ₹ · 28 Feb 2019 to 1 Oct 2026
Returns vs Retirement median (29 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -2.0% | -4.5% |
| 3 months | -1.2% | -2.7% |
| 6 months | 3.1% | 4.9% |
| Year to date | 0.3% | -2.5% |
| 1 year | 2.9% | -0.1% |
| 3 years (CAGR) | 8.1% | 7.2% |
| 5 years (CAGR) | 7.3% | 7.0% |
| 7 years (CAGR) | 8.1% | 9.9% |
| 10 years (CAGR) | n/a | 9.0% |
| Since first NAV (CAGR) | 8.1% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 8.1% | 8.1% |
| 3Y rolling median | 8.6% | 11.3% |
| 3Y rolling worst | 5.7% | 4.3% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 8.9% | 10.5% |
| 5Y rolling worst | 7.3% | 5.6% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 4.7% | 10.9% |
| Sharpe ratio | 0.37 | 0.10 |
| Sortino ratio | 0.51 | 0.13 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −10.3% | −18.1% |
| Maximum drawdown, last 10Y | n/a | −23.5% |
| Maximum drawdown, last 5Y | −4.9% | −12.7% |
| Current drawdown | −2.8% | −5.8% |
| Recovery time of worst fall | 92 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.26% a year and the Direct plan's 1.05%, a gap of 1.21%; over the last 3 years the Direct plan returned 1.25 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹27,17,503.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 4 Sep 2026: TER increased from 2.25% to 2.26% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Darshil Dedhia | Co-Manages | 22 Jan 2024 |
| Rohit Lakhotia | Co-Manages | 12 Jun 2023 |
| Manasvi Shah | Co-Manages | 29 Aug 2025 |
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.
Stated asset allocation: • Debt Securities, money market instruments = 70% - 95% • Equity & Equity related instruments = 5% - 30% • Units issued by InvITs = 0% - 10%
Benchmark (tier 1): Nifty 50 Hybrid Composite Debt 15:85 Conservative Index
Minimum application: Rs. 5000
Allotment date: 27 Feb 2019
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 2.26% | 2.18% |
| AUM, whole scheme (₹ crore) | 95 | 269 |
| Riskometer | Moderately High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 3.7% | 0.3% TRI |
| Return, 3 years (AMFI) | 8.3% | 5.8% TRI |
| Return, 5 years (AMFI) | 7.3% | 5.4% TRI |
| Month-ends above category median (3Y CAGR) | 14% | 35% median |
| Month-ends in category top quartile (3Y) | 0% | 9% median |
Official benchmark: Nifty 50 Hybrid Composite Debt 15:85 Conservative Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Retirement Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 0.3% | n/a | – |
| 2025 | 8.9% | n/a | – |
| 2024 | 9.9% | n/a | – |
| 2023 | 15.0% | n/a | – |
| 2022 | 1.8% | n/a | – |
| 2021 | 7.1% | n/a | – |
| 2020 | 11.7% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,20,581 | 0.9% |
| 3 years | ₹3,60,000 | ₹3,90,638 | 5.4% |
| 5 years | ₹6,00,000 | ₹7,23,833 | 7.4% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: Retirement
Plan / option: Regular · Growth
AMFI scheme code: 146717
ISIN: INF109KC1TY0
First NAV in MFIC data: 28 Feb 2019
History: 7.6 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | Retirement | 0.95 | 14.8% |
| BANDHAN RETIREMENT FUND | Retirement | 0.94 | n/a |
| Baroda BNP Paribas Retirement Fund | Retirement | 0.94 | n/a |
| Union Retirement Fund | Retirement | 0.94 | 10.2% |
| Union Children's Fund | Children's | 0.93 | n/a |
| ICICI Prudential Children's Fund | Children's | 0.92 | 10.6% |
Questions about ICICI Prudential Retirement Fund Hybrid Conservative Plan
- What is the latest NAV of ICICI Prudential Retirement Fund Hybrid Conservative Plan?
- The NAV of the Regular plan (growth option) was ₹18.0124 on 1 Oct 2026, as published by AMFI.
- Which category is ICICI Prudential Retirement Fund Hybrid Conservative Plan in?
- It is classified as Retirement in AMFI's daily NAV file. MFIC compares it with 29 Retirement schemes (Regular plans).
- What returns has ICICI Prudential Retirement Fund Hybrid Conservative Plan delivered?
- Over one year the NAV changed by 2.9%. The 3-year CAGR is 8.1% (category median 7.2%) and the 5-year CAGR is 7.3% (category median 7.0%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 8.6%, the lowest was 5.7%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in ICICI Prudential Retirement Fund Hybrid Conservative Plan's NAV?
- The largest peak-to-trough fall in its available history was 10.3%; within the last five years it was 4.9% (category median 12.7%).
- How volatile is ICICI Prudential Retirement Fund Hybrid Conservative Plan?
- Its annualised standard deviation of monthly returns over the last 36 months is 4.7%, which is below the Retirement category median of 10.9%.
- What would a monthly SIP in ICICI Prudential Retirement Fund Hybrid Conservative Plan have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,23,833 on 1 Oct 2026, an annualised return (XIRR) of 7.4%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of ICICI Prudential Retirement Fund Hybrid Conservative Plan?
- The total expense ratio of the Regular plan is 2.26% a year, as disclosed to AMFI (median of Retirement Regular plans: 2.18%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is ICICI Prudential Retirement Fund Hybrid Conservative Plan?
- Assets under management of the whole scheme were ₹95 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of ICICI Prudential Retirement Fund Hybrid Conservative Plan?
- AMFI lists the scheme's riskometer as “Moderately High”, and its benchmark's as “Moderately High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of ICICI Prudential Retirement Fund Hybrid Conservative Plan and how has it compared?
- Its official benchmark is the Nifty 50 Hybrid Composite Debt 15:85 Conservative Index. Over 3 years AMFI reports a return of 8.3% for this plan against 5.8% for the benchmark total return index; over 5 years 7.3% against 5.4%. Past performance does not indicate future results.
- How often has ICICI Prudential Retirement Fund Hybrid Conservative Plan beaten its category?
- At 14% of the 56 month-ends compared over the last 10 years, its 3-year return was above the median of Retirement schemes (Regular plans); it was in the top quarter at 0% of them. A typical scheme would show about 50%.
- Who manages ICICI Prudential Retirement Fund Hybrid Conservative Plan?
- According to its Scheme Summary Document, ICICI Prudential Retirement Fund Hybrid Conservative Plan is managed by Darshil Dedhia (since 22 Jan 2024), Rohit Lakhotia (since 12 Jun 2023), Manasvi Shah (since 29 Aug 2025).
- What is the minimum investment in ICICI Prudential Retirement Fund Hybrid Conservative Plan?
- The minimum application amount is Rs. 5000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 4.1% and the Regular plan's by 2.9%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.