ICICI Prudential Retirement Fund Hybrid Conservative Plan
ICICI Prudential Mutual Fund · Retirement · Direct plan, growth option
NAV (₹), 2 Oct 2026
19.9061
1-day change
-0.42%
1Y return
4.1%
3Y CAGR
9.4%
5Y CAGR
8.5%
Max drawdown, 5Y
−4.7%
NAV history month-end NAV, ₹ · 28 Feb 2019 to 1 Oct 2026
Returns vs Retirement median (29 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -1.9% | -4.4% |
| 3 months | -0.9% | -2.3% |
| 6 months | 3.7% | 5.3% |
| Year to date | 1.3% | -1.7% |
| 1 year | 4.1% | 0.8% |
| 3 years (CAGR) | 9.4% | 8.2% |
| 5 years (CAGR) | 8.5% | 8.4% |
| 7 years (CAGR) | 9.5% | 11.0% |
| 10 years (CAGR) | n/a | 9.9% |
| Since first NAV (CAGR) | 9.5% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 9.7% | 9.6% |
| 3Y rolling median | 9.8% | 12.9% |
| 3Y rolling worst | 7.1% | 5.7% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 10.3% | 11.7% |
| 5Y rolling worst | 8.5% | 6.8% |
| 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 | 0.63 | 0.24 |
| Sortino ratio | 0.91 | 0.34 |
| 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 | −10.2% | −16.5% |
| Maximum drawdown, last 10Y | n/a | −23.2% |
| Maximum drawdown, last 5Y | −4.7% | −12.3% |
| Current drawdown | −2.7% | −5.6% |
| Recovery time of worst fall | 91 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | n/a | 1.27% |
| 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) | 5.0% | 0.3% TRI |
| Return, 3 years (AMFI) | 9.5% | 5.8% TRI |
| Return, 5 years (AMFI) | 8.5% | 5.4% TRI |
| Month-ends above category median (3Y CAGR) | 16% | 41% 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 Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 1.3% | n/a | – |
| 2025 | 10.3% | n/a | – |
| 2024 | 11.0% | n/a | – |
| 2023 | 16.3% | n/a | – |
| 2022 | 2.7% | n/a | – |
| 2021 | 8.9% | n/a | – |
| 2020 | 13.6% | 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 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,21,373 | 2.1% |
| 3 years | ₹3,60,000 | ₹3,98,189 | 6.7% |
| 5 years | ₹6,00,000 | ₹7,46,965 | 8.7% |
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: Direct · Growth
AMFI scheme code: 146716
ISIN: INF109KC1UA8
First NAV in MFIC data: 28 Feb 2019
History: 7.6 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
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 | 16.4% |
| BANDHAN RETIREMENT FUND | Retirement | 0.94 | n/a |
| Baroda BNP Paribas Retirement Fund | Retirement | 0.94 | n/a |
| Union Retirement Fund | Retirement | 0.94 | 11.6% |
| Union Children's Fund | Children's | 0.93 | n/a |
| ICICI Prudential Children's Fund | Children's | 0.92 | 11.5% |
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 Direct plan (growth option) was ₹19.9061 on 2 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 (Direct plans).
- What returns has ICICI Prudential Retirement Fund Hybrid Conservative Plan delivered?
- Over one year the NAV changed by 4.1%. The 3-year CAGR is 9.4% (category median 8.2%) and the 5-year CAGR is 8.5% (category median 8.4%). 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 9.8%, the lowest was 7.1%, 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 10.2%; within the last five years it was 4.7% (category median 12.3%).
- 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 ₹7,46,965 on 2 Oct 2026, an annualised return (XIRR) of 8.7%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- 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 9.5% for this plan against 5.8% for the benchmark total return index; over 5 years 8.5% against 5.4%. Past performance does not indicate future results.
- How often has ICICI Prudential Retirement Fund Hybrid Conservative Plan beaten its category?
- At 16% of the 56 month-ends compared over the last 10 years, its 3-year return was above the median of Retirement schemes (Direct plans); it was in the top quarter at 0% of them. A typical scheme would show about 50%.
- 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.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Direct 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.